U.s. Cotton, Llc 401(k) Plan: Login, Facts & Contact Information

U.s. Cotton, Llc 401(k) Plan Facts

Plan name
U.S. COTTON, LLC RETIREMENT SAVINGS PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
U.S. COTTON, LLC
Participants
1,037 (955 active employees)
Former employees with a balance
76
Plan assets
$34,033,129 at Dec 31, 2024
Average account balance
$73,506 across 463 accounts
Employer contributions
$873,512 in plan year 2024 (32% of all contributions)
Recordkeeper
Empower Annuity Insurance Company O
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Oct 1, 1979
✓ 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 Oct 10, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $2.75 million went into the plan in contributions, $873,512 of it from the employer (32%).
  • $4.96 million was paid out to participants.
  • Investment and other income added $3.73 million.
  • Administrative expenses were $75,953, about $164 per account.

How the U.s. Cotton, Llc 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019940$29.6 million$773,778$2.60 million
2020958$30.6 million$853,693$4.90 million
20211,091$34.3 million$862,696$3.27 million
20221,098$29.4 million$871,345$2.50 million
20231,132$32.6 million$727,981$3.40 million
20241,037$34.0 million$873,512$4.96 million

U.s. Cotton, Llc 401(k) Contact Information

Phone
704-874-5024
Mailing address
531 COTTON BLOSSOM CIRCLE, GASTONIA NC 28054
Plan sponsor
U.S. COTTON, LLC
Employer identification number (EIN)
85-0437023
Plan number
010

Questions about the U.s. Cotton, Llc 401(k)

Does U.s. Cotton, Llc contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $873,512, 32% of all contributions.

Does the U.s. Cotton, Llc 401(k) have automatic enrollment?

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

How many people are in the U.s. Cotton, Llc 401(k) plan?

1,037 participants at the start of plan year 2024, 955 of them active employees, and 76 former employees who still had money in the plan.

What is the average 401(k) balance at U.s. Cotton, Llc?

About $73,506 per account: $34.0 million in plan assets across 463 accounts with a balance at the end of plan year 2024.

Who manages the U.s. Cotton, Llc 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 U.s. Cotton, Llc. 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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