The Cottage Corporation 401(k) Plan: Login, Facts & Contact Information

The Cottage Corporation 401(k) Plan Facts

Plan name
MIRROR LAKE INN 401(K) PROFIT SHARING PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
THE COTTAGE CORPORATION
Participants
152 (103 active employees)
Former employees with a balance
42
Plan assets
$7,742,208 at Dec 31, 2024
Average account balance
$59,101 across 131 accounts
Employer contributions
$196,434 in plan year 2024 (35% of all contributions)
Recordkeeper
Epic Retirement Plan Services
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Jan 1, 2006
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 26, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $568,142 went into the plan in contributions, $196,434 of it from the employer (35%).
  • $1.15 million was paid out to participants.
  • Investment and other income added $834,999.
  • Administrative expenses were $44,652, about $341 per account.

How the The Cottage Corporation 401(k) changed, 20192024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019145$5.75 million$168,183$614,071
2020155$6.55 million$137,932$418,348
2021169$7.66 million$187,573$366,561
2022151$6.48 million$188,760$575,652
2023157$7.53 million$191,677$416,215
2024152$7.74 million$196,434$1.15 million

The Cottage Corporation 401(k) Contact Information

Phone
518-523-2544
Mailing address
77 MIRROR LAKE DR, LAKE PLACID NY 12946
Plan sponsor
THE COTTAGE CORPORATION
Employer identification number (EIN)
14-1681546
Plan number
002

Questions about the The Cottage Corporation 401(k)

Does The Cottage Corporation contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $196,434, 35% of all contributions.

Does the The Cottage Corporation 401(k) have automatic enrollment?

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

How many people are in the The Cottage Corporation 401(k) plan?

152 participants at the start of plan year 2024, 103 of them active employees, and 42 former employees who still had money in the plan.

What is the average 401(k) balance at The Cottage Corporation?

About $59,101 per account: $7.74 million in plan assets across 131 accounts with a balance at the end of plan year 2024.

Who manages the The Cottage Corporation 401(k) accounts?

EPIC Retirement Plan Services is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at The Cottage Corporation. How do I access my 401(k)?

Your account stays with EPIC Retirement Plan Services 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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