Plan Snapshot
- Plan Sponsor: Cowles Company
- Sponsor EIN: 910420030
- Sponsor Address: 999 W RIVERSIDE AVE, SPOKANE, WA, 99201
- Plan Type: 401(k)
- Plan Number: 502
- Total Participants: 491
- Total Assets: $3.5M
Key Plan Design Features
- Auto-Enrollment: No
- Auto-Escalation: No
- Allows Roth Contributions: No
- Participant Loans: No
- Participant-Directed Investments: No
- ERISA Section 404(c) Fiduciary Safe Harbor: No
Plan Financials by Year
| Year | Participants | Total Assets | Employer Contrib. | Employee Contrib. |
|---|---|---|---|---|
| 2024 | 491 | $3.5M | $3.3M | $1.3M |
| 2023 | 509 | $3.5M | $3.0M | $1.3M |
| 2022 | 466 | $3.3M | $2.4M | $1.5M |
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 |
|---|---|---|---|---|
| UMR | Other Service Provider | $128,971 | — | $128,971 |
| KAISER PERMANENTE | Other Service Provider | $108,488 | — | $108,488 |
| DELTA DENTAL OF WASHINGTON | Other Service Provider | $37,929 | — | $37,929 |
| DECORIA MAICHEL & TEAGUE | Auditor | $22,600 | — | $22,600 |
| ALLIANT | Investment Advisor | $15,506 | — | $15,506 |
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $313,494
- Estimated Expense Ratio: 8.916% 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 | $810,468 | $2,500 | $275,388 | $22,600 | — |
| 2023 | $773,472 | $2,500 | $282,953 | $22,000 | — |
| 2022 | $737,012 | $2,500 | $285,187 | — | $22,300 |