Plan Ledger DOL Form 5500 · updated monthly

Cotton Holdings, Inc.401(k)

COTTON HOLDINGS, INC. 401(K) PLAN · HOUSTON, TX · plan year 2024

Reported admin expense ratio · 2024
0.59%

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

Cotton Holdings, Inc. reported $112,103 in plan administrative expenses for 2024: 0.59% of average plan assets, higher than ~75% of peers. Employer contributions averaged $1,459 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 2 years on file its reported administrative ratio fell from 1.39% to 0.59%. The plan sits in the $10M–$50M size bracket, benchmarked here against 27,838 comparable plans and shown alongside other administrative & support services employers. By assets it is the 1,888th-largest of 5,688 plans among Texas employers on file, and the 566th of 2,534 in administrative & support services. In 2024, employees put in $2.58 for every $1.00 the employer contributed; active participation has grown from 990 to 1,132 since 2022.

Plan summary
Net assets, end of year$22,124,268
Participants with balances1,070
Active participants1,132
Employer contributions$1,652,102
Employee contributions$4,266,180
Employer contribution per active participant$1,459
Average account balance$20,677
Benefits paid to participants$2,948,959
Plan auditUnmodified (clean) audit opinion
AuditorHARPER & PEARSON COMPANY, P.C.
Plan history3
Yearassets · accounts · employer contribution
2024$22.1M · 1,070 accts · $1.7M emplr
2023$16.1M · 965 accts · $1.4M emplr
2022$9.5M · 818 accts · $1.0M emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$112,103
Total administrative$112,103
The Cotton Holdings, Inc. 401(k) match · 2024
Employer contribution per active participant$1,459
Median for plans this size$2,416
2024$1,459 per active participant
2023$1,409 per active participant
2022$1,028 per active participant

Cotton Holdings, Inc.'s 2024 employer contribution ran below the $2,416 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 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20242
PRINCIPAL LIFE INSURANCE COMPANY · Contract administrator · Loan processing$112,103
GALLAGHER FIDUCIARY ADVISORS, LLC · Investment advisory (plan)indirect comp

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

Administrative cost history3
2024$112,103 · 0.59%
2023$110,010 · 0.86%
2022$120,744 · 1.39%
Same employer
Similar plansAdministrative & Support Services · Texas
Cart.com, Inc. TX$25.5M · 0.27%
Iris Telehealth, Inc TX$22.9M · 0.36%
The Bms Enterprises, LLC TX$21.7M · 0.42%
Embrey Development Company TX$21.2M · 0.37%

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Source: U.S. Department of Labor, Form 5500 series, EIN 264371554 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.