Retirement plan

NATICK OUTDOOR STORE, INC. PROFIT SHARING PLAN

Name: S. COTTON CORP D/B/A NATICK OUTDOOR STORE - NATICK OUTDOOR STORE, INC. PROFIT SHARING PLAN (2025) Form 5500
Creator: S. COTTON CORP D/B/A NATICK OUTDOOR STORE
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, NATICK OUTDOOR STORE, INC. PROFIT SHARING PLAN, S. COTTON CORP D/B/A NATICK OUTDOOR STORE

S. COTTON CORP D/B/A NATICK OUTDOOR STOREEIN 04-2047591Plan #001PY 2025

38 NORTH AVENUE - NATICK, MA 01760508-653-9400

Prospect flagsHigh feesHigh assets / participantLow fidelity bond

How to read this page

Total assets (EOY)

$6M

+8.8% from 2024

Total participants

+18.8% from 2024

Average account balance

$335,891

-3.3% from 2024

Annual return

7.34%

-6.45 pp from 2024

Benchmarks

See 2,151 peers

Peer group

Industry45 - Retail Trade

Plan typeDefined contribution

Participants<25

Cohort2,151 peers

Snapshot2025

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$6.05M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$336K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

138.5%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$82K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$6K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+7.34%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$2101

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

0 years with F_SCH_H allocation on file

Free accounts unlock saves, downloads, and 3-year history.

Service providers

Providers data not reported

Schedule C was not filed on this plan's most recent Form 5500, so no compensated service providers are available to display.

Plan features & details

Pension benefit codes2E2F2H2J3D2T

Plan features

2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2H
Partial participant-directed account plan
Participants have the opportunity to direct the investment of a portion of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

Opportunity flags

3 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
ComplianceLow fidelity bond
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
InformationalHigh assets / participant
Assets per participant exceed $250,000 - top-decile high-value plan.

Expense breakdown

Schedule H Part II

Admin total

$38K

$2909 / participant

Other / not subdivided$38K100.0%

% of EOY assets

0.626%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

No opinion code on file for this filing.

Auditor firm: (not reported)
Auditor EIN: -
Audit fees: (not subdivided)
Opinion code: -

Metric

This plan

Peer set

Industry

Size

Avg account balance

$335,891

$177,353+89.4%

$158,226+112.3%

$198,609+69.1%

Participation rate

92.3%

77.0%+15.3pp

74.8%+17.5pp

82.4%+9.9pp

Annual return

7.34%

599.50%-592.2pp

501.41%-494.1pp

202.70%-195.4pp

Employer contribution / active EE

$2,127

$3,239-34.3%

$2,986-28.8%

$5,055-57.9%

Participant deferral / active EE

$4,191

$4,615-9.2%

$4,317-2.9%

$6,977-39.9%

Admin fee / account holder

$2,101

$10,960-80.8%

$10,217-79.4%

$19,030-89.0%

NATICK OUTDOOR STORE, INC. PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

NATICK OUTDOOR STORE, INC. PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion