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Original filing (PDF)20251010074454NAL0007764449001
U.S. COTTON, LLC
Form 5500
FILING_RECEIVED
U.S. COTTON, LLC RETIREMENT SAVINGS PLAN
401(k) retirement plan
Active participants
955
Accounts w/ balance
463
Plan assets (EOY)
$34.0M
Net assets (EOY)
$34.0M
How this plan invests
This plan
29 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
100
Vendor stack
100
Participation health
65
Knocking points off
- Only 48% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for U.S. COTTON, LLC.
Plan sponsor
Name
U.S. COTTON, LLC
EIN
85-0437023
Address
531 COTTON BLOSSOM CIRCLE · GASTONIA, NC · 28054
Phone
(704) 874-5024
Industry
Manufacturingsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
010
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-10
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2R · Participant-directed brokerage (SDBA)
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
ARROWOOD & ASSOCIATES, PA
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $35K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CBIZ INVESTMENT ADVISORY SERVICES L | — | CLEVELAND, OH | INVESTMENT ADVISOR | $26K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $15K | — |
Investments
29 direct securities· $34.0M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Empower MassMutual Stable Value Core | — | — | — | $5.1M | 15.0% | |
| Fidelity 500 Index | — | — | — | $3.2M | 9.5% | |
| Vanguard Windsor II Adm | — | — | — | $2.8M | 8.3% | |
| MFS Growth R6 | — | — | — | $2.8M | 8.1% | |
| Vanguard Institutional Target Retirement 2035 | — | — | — | $2.5M | 7.3% | |
| Metropolitan West Total Ret Bd-P | — | — | — | $1.8M | 5.4% | |
| American Funds Europacific GR6 | — | — | — | $1.7M | 5.0% | |
| DFA US Small Cap Value Portfolio | — | — | — | $1.7M | 4.9% | |
| Notes receivable from participants 3.25% to 9.50% | — | — | — | $1.4M | 4.0% | |
| Vanguard Wellington Fund Adm | — | — | — | $1.0M | 3.1% | |
| JPMorgan Mid Cap Growth R6 | — | — | — | $1.0M | 3.0% | |
| Vanguard Institutional Target Retirement 2030 | — | — | — | $992K | 2.9% | |
| Vanguard Institutional Target Retirement 2025 | — | — | — | $911K | 2.7% | |
| Vanguard Small Cap Index Admiral | — | — | — | $901K | 2.6% | |
| Vanguard Ttl Intl Stock Index Adm | — | — | — | $865K | 2.5% | |
| Vanguard Institutional Target Retirement 2040 | — | — | — | $754K | 2.2% | |
| Vanguard Ttl Bond Market Index Adm | — | — | — | $730K | 2.1% | |
| Vanguard Institutional Target Retirement 2055 | — | — | — | $645K | 1.9% | |
| Vanguard Institutional Target Retirement 2045 | — | — | — | $603K | 1.8% | |
| Vanguard Institutional Target Retirement 2050 | — | — | — | $585K | 1.7% | |
| Vanguard Inflation Protected Secs | — | — | — | $511K | 1.5% | |
| Vanguard Institutional Target Retirement Income | — | — | — | $461K | 1.4% | |
| Vanguard Selected Value | — | — | — | $390K | 1.1% | |
| Vanguard Extended Mkt Index Adm | — | — | — | $390K | 1.1% | |
| Vanguard Institutional Target Retirement 2060 | — | — | — | $110K | 0.3% | |
| Vanguard International Value Fund | — | — | — | $64K | 0.2% | |
| Vanguard Institutional Target Retirement 2020 | — | — | — | $58K | 0.2% | |
| Vanguard Institutional Target Retirement 2065 | — | — | — | $17K | <0.1% | |
| Vanguard Institutional Target Retirement 2070 | — | — | — | $2K | <0.1% |