Original filing (PDF)20250926133339NAL0004037267001

THE COTTAGE CORPORATION

Name: THE COTTAGE CORPORATION — MIRROR LAKE INN 401(K) PROFIT SHARING PLAN, Form 5500 (2024)
Creator: THE COTTAGE CORPORATION

Form 5500

FILING_RECEIVED

MIRROR LAKE INN 401(K) PROFIT SHARING PLAN

401(k) retirement plan

Signals · 1

30% in single holding

Active participants

103

Accounts w/ balance

131

Plan assets (EOY)

$7.7M

Net assets (EOY)

$7.7M

How this plan invests

This plan

25 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score

Above-average plan

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

100

Total plan cost

Plan health

Vendor & structure

100

Helping the score

High average account balance (87th percentile).

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for THE COTTAGE CORPORATION.

Plan sponsor

Name

THE COTTAGE CORPORATION

EIN

14-1681546

Address

77 MIRROR LAKE DR · LAKE PLACID, NY · 12946

Phone

(518) 523-2544

Industry

Accommodation & Food Servicessee all

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

002

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-09-26

Pension benefit codes

2E · Profit-sharing

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2J · 401(k) feature

2K · 401(m) arrangement

2T · Default investment account (QDIA)

3D · Pre-approved plan (master / prototype / VS)

3H · Sponsor in controlled / affiliated group

Service providers (Schedule C)

3 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
EPIC RETIREMENT PLAN SERVICES	16-1450952	—	NONE	$0	—

Other service providers

Name	EIN	Location	Relation	Direct comp	Indirect comp
NBT BANCORP NA	16-1268674	—	NONE	$45K	—
CHARLES SCHWAB & CO., INC.	94-1737782

Investments

25 direct securities· $7.7M(99% of reported assets)

Other securities

$6.9M

22 holdings

Cash / Money Market

$781K

1 holding

Common Stock

$6K

1 holding

Agency / Mortgage-Backed

$4K

1 holding

					% of plan
American Funds Target Date Retirement 2030 R6 Mutual fund	Other securities	—	—	$2.3M	29.4%
American Funds Target Date Retirement 2040 R6 Mutual fund	Other securities	—	—	$1.6M	20.6%
American Funds Target Date Retirement 2050 R6 Mutual fund	Other securities	—	—	$1.3M	16.4%
American Funds Target Date Retirement 2020 R6 Mutual fund	Other securities	—	—	$933K	12.1%
Schwab Bank Savings Money market fund	Cash / Money Market	—	—	$781K	10.1%
American Funds Target Date Retirement 2060 R6 Mutual fund	Other securities	—	—	$580K	7.5%
Vanguard 500 Index Fund Mutual fund	Other securities	—	—	$54K	0.7%
American Funds Target Date Retirement 2055 R6 Mutual fund	Other securities	—	—	$50K	0.6%
American Funds Target Date Retirement 2025 R6 Mutual fund	Other securities	—	—	$33K	0.4%
Vanguard Growth Index Fund Admiral Shares Mutual fund	Other securities	—	—	$26K	0.3%
American Funds New Perspective R6 Mutual fund	Other securities	—	—	$22K	0.3%
American Funds Target Date Retirement 2045 R6 Mutual fund	Other securities	—	—	$21K	0.3%
Vanguard Equity Inc Fund Admiral Shares Mutual fund	Common Stock	—	—	$6K	<0.1%
American Funds Target Date Retirement 2015 R6 Mutual fund	Other securities	—	—	$6K	<0.1%
Blackrock High Yield Bond Fund K Mutual fund	Other securities	—	—	$6K	<0.1%
Carillon Eagle Mid Cap Growth Fund Mutual fund	Other securities	—	—	$5K	<0.1%
TCW Metwest Total Return Bond Fund Mutual fund	Other securities	—	—	$4K	<0.1%
Vanguard GNMA Fund Admiral Shares Mutual fund	Agency / Mortgage-Backed	—	—	$4K	<0.1%
BNY Mellon Small Cap Stock Index Mutual fund	Other securities	—	—	$4K	<0.1%
Vanguard Small Cap Value Index Admiral Shares Mutual fund	Other securities	—	—	$3K	<0.1%
Fidelity Puritan Fund Mutual fund 106 Janus Henderson Triton Fund Mutual fund	Other securities	—	—	$3K	<0.1%
Vanguard Mid Cap Index Fund Admiral Shares Mutual fund	Other securities	—	—	$2K	<0.1%
American Funds Target Date Retirement 2035 R6 Mutual fund	Other securities	—	—	$2K	<0.1%
Vanguard Mid Cap Value Index Admiral Shares Mutual fund	Other securities	—	—	$2K	<0.1%
DFA Emerging Markets Portfolio Institutional Class Mutual fund	Other securities	—	—	$2K	<0.1%