Cta Inc. 401(k) Plan: Login, Facts & Contact Information

Cta Inc. 401(k) Plan Facts

Plan name
CUSHING TERRELL 401(K) RETIREMENT PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
CUSHING TERRELL · formerly Cta Inc.
Participants
574 (497 active employees)
Former employees with a balance
142
Plan assets
$91,604,567 at Dec 31, 2024
Average account balance
$150,418 across 609 accounts
Employer contributions
$2,123,308 in plan year 2024 (20% of all contributions)
Recordkeeper
Empower Annuity Insurance Company O
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Jan 1, 1985
✓ Employer contributions— Automatic enrollment✓ Default investment for undecided participants✓ Participants choose their own investments— Self-directed brokerage window✓ Profit sharing— Company stock (ESOP)

Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Sep 17, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $10.5 million went into the plan in contributions, $2.12 million of it from the employer (20%).
  • $4.89 million was paid out to participants.
  • Investment and other income added $12.5 million.
  • Administrative expenses were $198,505, about $326 per account.

How the Cta Inc. 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019558$50.9 million$1.29 million$4.37 million
2020560$60.5 million$1.58 million$4.37 million
2021515$71.3 million$1.67 million$3.64 million
2022561$60.8 million—$3.03 million
2023573$73.7 million$1.92 million$5.34 million
2024574$91.6 million$2.12 million$4.89 million

Cta Inc. 401(k) Contact Information

Phone
406-248-7455
Mailing address
POB 1439 13 NORTH 23RD STREET, BILLINGS MT 59103
Plan sponsor
CUSHING TERRELL
Employer identification number (EIN)
81-0305543
Plan number
001

Questions about the Cta Inc. 401(k)

Does Cta Inc contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $2.12 million, 20% of all contributions.

Does the Cta Inc 401(k) have automatic enrollment?

No. The plan does not report automatic enrollment; employees enroll themselves.

How many people are in the Cta Inc 401(k) plan?

574 participants at the start of plan year 2024, 497 of them active employees, and 142 former employees who still had money in the plan.

What is the average 401(k) balance at Cta Inc?

About $150,418 per account: $91.6 million in plan assets across 609 accounts with a balance at the end of plan year 2024.

Who manages the Cta Inc 401(k) accounts?

Empower (listed on the filing as EMPOWER ANNUITY INSURANCE COMPANY O) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Cta Inc. How do I access my 401(k)?

Your account stays with Empower after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.

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