Cato 401(k) and retirement plans

The Cato Corporation, Charlotte, NC. EIN 56-0484485. Annual reports 2009–2024. Also filed as Cato Corporation.

The Cato Corporation has 2 active retirement plans on file. The largest is the The Cato Corporation Employee Stock Ownership Plan, with 6,073 participants and $15.7 million in assets in 2024. No traditional pension plan appears in Cato's filings since 2009.

Active plans: 2
Participants: 9,664
Plan assets: $88.5 million
401(k) recordkeeper: Fidelity
Plans on file: 2
Industry: Retail

All 2 plans

Active plans first

The Cato Corporation Employee Stock Ownership Plan

Employee stock ownership plan (ESOP)Active

Active. The plan filed its annual report for the 2024 plan year.

Plan number: 001Employer EIN 56-0484485
Participants (2024): 6,073
Net assets (2024): $15.7 million
Plan administrator: The Cato Corporation
8100 Denmark Road
Charlotte, NC 28273
(704) 551-7347As filed for 2024
In effect since: January 28, 1979

Earlier plan names: The Cato Corporation; The Cato Corporation Employee Stock Purchase Plan.

Year by year, 2009 to 2024

Plan year	Participants	Net assets	Recordkeeper
2024	6,073	$15.7 million	not listed
2023	7,437	$28.6 million	not listed
2022	6,977	$38.0 million	not listed
2021	7,013	$66.5 million	not listed
2020	6,683	$37.3 million	not listed
2019	6,407	$33.8 million	not listed
2018	6,171	$21.8 million	not listed
2017	5,817	$23.4 million	not listed
2016	5,133	$43.1 million	not listed
2015	4,936	$54.7 million	not listed
2014	4,527	$67.7 million	not listed
2013	4,241	$46.9 million	not listed
2012	5,171	$44.8 million	not listed
2011	4,357	$40.0 million	not listed
2010	4,651	$46.1 million	not listed
2009	4,807	$27.3 million	not listed

The Cato Corporation 401(k) /PROFIT Sharing Plan

401(k)Active

Active. The plan filed its annual report for the 2024 plan year.

Plan number: 002Employer EIN 56-0484485
Participants (2024): 3,591
Net assets (2024): $72.9 million
Recordkeeper: Fidelity2009–2024
Plan administrator: Cato Corporation
8100 Denmark Road
Charlotte, NC 28273
(704) 551-7347As filed for 2024
In effect since: January 28, 1984

Year by year, 2009 to 2024

Plan year	Participants	Net assets	Recordkeeper
2024	3,591	$72.9 million	Fidelity
2023	3,467	$70.5 million	Fidelity
2022	3,542	$62.9 million	Fidelity
2021	3,644	$77.5 million	Fidelity
2020	4,216	$74.3 million	Fidelity
2019	4,451	$68.9 million	Fidelity
2018	4,506	$57.4 million	Fidelity
2017	4,532	$59.4 million	Fidelity
2016	4,491	$53.1 million	Fidelity
2015	4,518	$52.4 million	Fidelity
2014	4,581	$52.6 million	Fidelity
2013	5,001	$51.2 million	Fidelity
2012	4,771	$44.7 million	Fidelity
2011	5,036	$42.1 million	Fidelity
2009	4,529	$37.2 million	Fidelity

If you had money in one of these plans

Call Fidelity (fidelity.com), which runs the The Cato Corporation 401(k) /PROFIT Sharing Plan. With your Social Security number and the plan name, it can tell you whether you still have a balance and, if not, where it went.
Or call the plan administrator listed on the plan below ((704) 551-7347). That number was filed for 2024; ask for the benefits or retirement plan office.
Still stuck? The Department of Labor's benefits advisers help for free: askebsa.dol.gov or 1-866-444-3272. Never pay anyone to find your own money.

What these numbers are

They come from the Form 5500 annual reports each plan files with the Department of Labor, as the plan filed them. A plan year is usually a calendar year.
Participants counts everyone in the plan at year end: current employees, former employees who still have a balance or a pension coming, and retirees or beneficiaries being paid.
The recordkeeper is the service provider whose Schedule C entry says it keeps the plan's records. Small plans do not file Schedule C, so some plans show none.
We cannot see anyone's account. Only the plan or its recordkeeper can tell you your balance.

Sources: U.S. Department of Labor, Form 5500 datasets and PBGC trusteed plans. How we read them.

All 2 plans

The Cato Corporation Employee Stock Ownership Plan

The Cato Corporation 401(k) /PROFIT Sharing Plan

If you had money in one of these plans

What these numbers are

Other retail employers in NC