Original filing (PDF)20251006180613NAL0004090641001

COTTONWOOD CAPITAL MANAGEMENT, INC.

Name: COTTONWOOD CAPITAL MANAGEMENT, INC. — COTTONWOOD CAPITAL MANAGEMENT, INC. 401(K) SAFE HARBOR RETIREMENT PLAN, Form 5500 (2024)
Creator: COTTONWOOD CAPITAL MANAGEMENT, INC.

Form 5500

FILING_RECEIVED

COTTONWOOD CAPITAL MANAGEMENT, INC. 401(K) SAFE HARBOR RETIREMENT PLAN

401(k) retirement plan

Signals · 2

~96 bps in Sched C feesNo recordkeeper disclosed

Active participants

225

Accounts w/ balance

164

Plan assets (EOY)

$11.8M

Net assets (EOY)

$11.8M

How this plan invests

This plan

38 securities

funds · stocks · CUSIPs

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

Plan health score

Average plan with room to improve

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

Knocking points off

Total administrative cost in the bottom quartile of peers (6th percentile).
Low account-holder ratio — balance-holders per active participant in the bottom quartile of peers (12th percentile).

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for COTTONWOOD CAPITAL MANAGEMENT, INC..

Plan sponsor

Name

COTTONWOOD CAPITAL MANAGEMENT, INC.

EIN

26-2255801

Address

1245 BRICKYARD RD STE 250 · SALT LAKE CITY, UT · 84106

Phone

(801) 449-3377

Industry

Finance & Insurancesee all

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

001

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-10-06

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)

Audit & trust (Schedule H)

Service providers (Schedule C)

3 rows

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
QBOX	46-2486380	—	CONSULTANT	$27K	—
CAPITAL MANAGEMENT	75-3093123	—	INVESTMENT ADVISORY	$0	—

TPA / Administrator

Name	EIN	Location	Relation	Direct comp	Indirect comp
PRINCIPAL LIFE INSURANCE COMPANY	42-0127290

Investments

38 direct securities· $11.8M(100% of reported assets)

Other securities

$11.6M

37 holdings

Bonds / Notes

$157K

1 holding

					% of plan
Vanguard Tgt Rmt 2030 Inv Fund Mutual Fund	Other securities	—	—	$2.1M	18.1%
Vanguard Tgt Rmt 2045 Inv Fund Mutual Fund	Other securities	—	—	$2.0M	16.6%
Vanguard Tgt Rmt 2035 Inv Fund Mutual Fund	Other securities	—	—	$1.8M	15.1%
Vanguard Tgt Rmt 2050 Inv Fund Mutual Fund	Other securities	—	—	$1.6M	13.2%
Vanguard Tgt Rmt 2040 Inv Fund Mutual Fund	Other securities	—	—	$1.1M	9.5%
Vanguard Tgt Rmt 2055 Inv Fund Mutual Fund	Other securities	—	—	$535K	4.5%
Vanguard Tgt Rmt 2025 Inv Fund Mutual Fund	Other securities	—	—	$268K	2.3%
Vanguard Growth Index Adm Fund Mutual Fund	Other securities	—	—	$265K	2.2%
Vanguard Tgt Rmt 2060 Inv Fund Mutual Fund	Other securities	—	—	$186K	1.6%
Vanguard 500 Index Admiral Fd Mutual Fund	Other securities	—	—	$175K	1.5%
Vanguard Info Tech Idx Adm Fd Mutual Fund	Other securities	—	—	$169K	1.4%
Fidelity US Bond Index Fund Mutual Fund ** 83 * PRINCIPAL GUARANTEED OPTION Investment Contract	Other securities	—	—	$166K	1.4%
Participant Loans Interest Rate: 6.0% - 10.5% -	Bonds / Notes	—	—	$157K	1.3%
Vanguard Hi Div Yld Idx Adm Fd Mutual Fund	Other securities	—	—	$140K	1.2%
Vanguard Tgt Rmt 2065 Inv Fund Mutual Fund	Other securities	—	—	$125K	1.1%
Vanguard MidCp Grth Idx Adm Fd Mutual Fund	Other securities	—	—	$115K	1.0%
Vanguard LifeStrategy Conservative Growth Inv Fund Mutual Fund ** 527 Vgd LifeStrategy Growth Inv Fd Mutual Fund	Other securities	—	—	$92K	0.8%
Vanguard RE Index Adm Fund Mutual Fund	Other securities	—	—	$87K	0.7%
Vanguard MidCap Val Idx Adm Fd Mutual Fund	Other securities	—	—	$81K	0.7%
Vanguard Tl Stk Mkt Inx Adm Fd Mutual Fund	Other securities	—	—	$73K	0.6%
Vanguard Short-Term Bond Index Admiral Fund Mutual Fund ** 514 Vanguard ST Inpr SC IX Adm Fund Mutual Fund	Other securities	—	—	$71K	0.6%
American Funds NewPrsp R6 Fnd Mutual Fund	Other securities	—	—	$58K	0.5%
Vanguard Intl Growth Adm Fd Mutual Fund	Other securities	—	—	$57K	0.5%
Vanguard Tgt Rmt 2020 Inv Fund Mutual Fund	Other securities	—	—	$54K	0.5%
T. Rowe Price Hlth Sci I Fd Mutual Fund	Other securities	—	—	$53K	0.4%
Vanguard Mid Cap Index Adm Fd Mutual Fund	Other securities	—	—	$40K	0.3%
Vanguard Value Index Admiral Fund Mutual Fund	Other securities	—	—	$39K	0.3%
Vanguard Sm Cap Gr Idx Adm Fd Mutual Fund	Other securities	—	—	$37K	0.3%
Vgd LifeStrategy Income Inv Fd Mutual Fund	Other securities	—	—	$25K	0.2%
Vgd Ttl Intl Stk Idx Adm Fd Mutual Fund	Other securities	—	—	$24K	0.2%
Vanguard Sm Cap Val Idx Adm Fd Mutual Fund	Other securities	—	—	$22K	0.2%
Fidelity Sm Cap Index Fund Mutual Fund	Other securities	—	—	$21K	0.2%
Schwab Internationl Index Fund Mutual Fund	Other securities	—	—	$19K	0.2%
Vangd Ttl Intl Bond Idx Adm Fd Mutual Fund	Other securities	—	—	$17K	0.1%
Vanguard Target Retirement 2070 Inv Fund Mutual Fund 837 Vanguard Target Retirement Income Inv Fund Mutual Fund 264 Vanguard Ttl Bd Mkt Idx Adm Fd Mutual Fund	Other securities	—	—	$15K	0.1%
Vgd Infl-Prot Sec Adm Fund Mutual Fund	Other securities	—	—	$14K	0.1%
Vanguard Emg Mk Stk Idx Adm Fd Mutual Fund	Other securities	—	—	$14K	0.1%
Vanguard Balncd Index Admrl Fd Mutual Fund	Other securities	—	—	$3K	<0.1%