Plan Ledger DOL Form 5500 · updated monthly

C. Cowles & Company401(k)

C. COWLES & COMPANY 401(K) PLAN · NORTH HAVEN, CT · plan year 2025

Reported admin expense ratio · 2025
0.33%

Peer grade: B · admin costs + employer contributions vs same-size plans · how grading works

C. Cowles & Company reported $32,694 in plan administrative expenses for 2025: 0.33% of average plan assets, below the peer median. Employer contributions averaged $1,351 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 3 years on file its reported administrative ratio fell from 0.36% to 0.33%. The plan sits in the $1M–$10M size bracket, benchmarked here against 809 comparable plans and shown alongside other manufacturing employers. By assets it is among the smaller plans on file in Connecticut (745th of 1,106), and 8,696th of 13,661 in manufacturing. In 2025, employees put in $4.28 for every $1.00 the employer contributed; active participation has shrunk from 112 to 97 since 2022.

Plan summary
Net assets, end of year$10,189,144
Participants with balances116
Active participants97
Employer contributions$131,016
Employee contributions$560,941
Employer contribution per active participant$1,351
Average account balance$87,837
Benefits paid to participants$1,775,384
Plan auditUnmodified (clean) audit opinion
AuditorCBIZ
Plan history4
Yearassets · accounts · employer contribution
2025$10.2M · 116 accts · $131K emplr
2024$9.6M · 116 accts · $129K emplr
2023$8.4M · 121 accts · $110K emplr
2022$7.9M · 124 accts · $126K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$11,445
Investment management$21,249
Total administrative$32,694
The C. Cowles & Company 401(k) match · 2025
Employer contribution per active participant$1,351
Median for plans this size$1,464
2025$1,351 per active participant
2024$1,233 per active participant
2023$985 per active participant
2022$1,122 per active participant

C. Cowles & Company's 2025 employer contribution ran below the $1,464 median for plans its size. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20253
ROCKLAND TRUST · Investment advisory (plan)$15,641
EMPOWER ADVISORY GROUP, LLC · Investment management$5,608

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Administrative cost history4
2025$32,694 · 0.33%
2024$29,145 · 0.32%
2023$28,000 · 0.34%
2022$29,398 · 0.36%
Similar plansManufacturing · Connecticut
Luvata Waterbury, Inc. CT$11.8M · 0.23%
The J. E. Shepard Company CT$11.4M · 0.11%
Commercial Sewing, Inc. CT$10.8M · 0.62%
Acme Monaco Corporation CT$10.7M · 0.16%
Talalay Global, Inc. CT$10.1M · 0.28%
Polymer Resources LTD CT$10.0M · 0.18%

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Source: U.S. Department of Labor, Form 5500 series, EIN 060309660 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.