Cotton 401(k) match, vesting and fees
What Cotton's 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | John Hancock USA | Schedule C ↗ |
| Independent auditor | Bdo USA, P.C. (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 942 defined-contribution plans in other services with 100 to 499 participants.
| Cotton: employer contribution per participant | $3,248 | |
| Peer median | $1,890 |
| Cotton: average balance | $263,986 | |
| Peer median | $56,033 |
| Cotton: admin expenses ÷ assets | 0.20% | |
| Peer median | 0.37% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $35.3M at the end of plan year 2021 to $45.1M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 173 | $45.1M | $555K | $3,248 | 0.20% | Not published | Form 5500 ↗ |
| 2024 | 174 | $41.6M | $583K | $3,369 | 0.21% | Not published | Form 5500 ↗ |
| 2023 | 174 | $36.4M | $554K | $3,182 | 0.13% | Not published | Form 5500 ↗ |
| 2022 | 169 | $29.6M | $522K | $3,089 | 0.13% | Not published | Form 5500 ↗ |
| 2021 | 166 | $35.3M | $496K | $2,986 | 0.12% | Not published | Form 5500 ↗ |
Other Cotton plans (1)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Cotton Incorporated Pension Plan
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Independent auditor | Bdo USA, P.C. (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Active | Form 5500 ↗ |
Common questions
Does Cotton match 401(k) contributions?
The match terms for the Tax Deferred Investment Program for Employees of Cotton Incorporated have not been published from its filing yet. The plan year 2025 filing reports $555K in employer contributions, about $3,248 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Cotton 401(k) match vested?
The vesting schedule for the Tax Deferred Investment Program for Employees of Cotton Incorporated is not in the data published so far. Your Summary Plan Description states it.
Who manages the Cotton 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is John Hancock USA. The plan administrator is Cotton Incorporated.
I left Cotton. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Cotton Incorporated, (919) 678-2306) or the recordkeeper, John Hancock USA. The Cotton old 401(k) page lists the contacts from every plan filing. Find an old Cotton 401(k)
Data from the public Form 5500 annual reports Cotton filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024 and 2025) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Cotton. Not financial advice. Report a correction · Methodology