Plan Snapshot
- Plan Sponsor: C. Cowles & Company
- Sponsor EIN: 060309660
- Sponsor Address: 126 BAILEY RD, NORTH HAVEN, CT, 06473
- Plan Type: 401(k)
- Total Participants: 105
- Total Assets: $9.6M
Key Plan Design Features
- Auto-Enrollment: Yes
- Auto-Escalation: No
- Allows Roth Contributions: No
- Participant Loans: Yes
- Participant-Directed Investments: Yes
- ERISA Section 404(c) Fiduciary Safe Harbor: Yes
Plan Financials by Year
| Year | Participants | Total Assets | Employer Contrib. | Employee Contrib. |
|---|---|---|---|---|
| 2024 | 105 | $9.6M | $129,428 | $533,574 |
| 2023 | 112 | $8.4M | $110,352 | $471,801 |
| 2022 | 112 | $7.9M | $125,663 | $529,027 |
Service Providers (Schedule C)
Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).
| Provider Name | Role | Direct Compensation | Indirect Compensation | Total Fees |
|---|---|---|---|---|
| ROCKLAND TRUST | Investment Advisor | $13,761 | — | $13,761 |
| EMPOWER ANNUITY INSURANCE COMPANY O | Recordkeeper | $9,885 | — | $9,885 |
| EMPOWER ADVISORY GROUP, LLC | Investment Advisor | $5,499 | — | $5,499 |
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $29,145
- Estimated Expense Ratio: 0.303% of plan assets
Historical Administrative Expenses
Breakdown of administrative expense categories reported on Form 5500 filings.
| Year | Total Admin Expenses | Investment Mgmt Fees | Contract Admin Fees | IQPA Audit Fees | Professional Fees |
|---|---|---|---|---|---|
| 2024 | $29,145 | $19,260 | — | — | — |
| 2023 | $28,000 | $20,338 | — | — | — |
| 2022 | $29,398 | $22,440 | $6,958 | — | — |