401k Plan data: R & M RICHARDS, INC. MANHATTAN PROFIT SHARING PLAN plan

R & M RICHARDS, INC. MANHATTAN PROFIT SHARING PLAN 401k Plan overview

Plan Name	R & M RICHARDS, INC. MANHATTAN PROFIT SHARING PLAN
Plan identification number	001

R & M RICHARDS, INC. MANHATTAN PROFIT SHARING PLAN Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Age/Service Weighted or new comparability or similar plan - Age/Service Weighted Plan: Allocations are based on age, service, or age and service. New comparability or similar plan: Allocations are based on participant classifications and a classification(s) consists entirely or predominantly of highly compensated employees; or the plan provides an additional allocation rate on compensation above a specified threshold, and the theshold or additional rate exceeds the maximum threshold or rate allowed under the permitted disparity rules of section 401(l).
Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b), (c), or (m)).

401k Sponsoring company profile

R&M RICHARDS, INC. has sponsored the creation of one or more 401k plans.

Company Name: R&M RICHARDS, INC.

Employer identification number (EIN): 133614299

NAIC Classification: 315240
NAIC Description: Women's, Girls', and Infants' Cut and Sew Apparel Manufacturing

Form 5500 Filing Information

Submission information for form 5500 for 401k plan R & M RICHARDS, INC. MANHATTAN PROFIT SHARING PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2022-01-01 ROBERT DELL'ANNO 2023-06-13
001 2021-01-01 ROBERT DELL'ANNO 2022-06-24
001 2020-01-01 RICHARD DELL'ANNO 2021-09-28
001 2019-01-01 RICHARD DELL'ANNO 2020-10-14
001 2018-01-01
001 2017-01-01 RICHARD DELL'ANNO
001 2016-01-01 STEVEN GARDINER 2017-10-05
001 2015-01-01 STEVEN GARDINER 2016-10-12
001 2014-01-01 STEVEN GARDINER 2015-10-15
001 2013-01-01 STEVEN GARDINER 2014-10-13
001 2012-01-01 STEVEN GARDINER 2013-10-11
001 2011-01-01 STEVEN GARDINER 2012-10-15
001 2010-01-01 STEVEN GARDINER 2011-06-29
001 2009-01-01 STEVEN GARDINER

Plan id#	Filing Submission Date	Name of Administrator	Date Administrator Signed
001	2022-01-01	ROBERT DELL'ANNO	2023-06-13
001	2021-01-01	ROBERT DELL'ANNO	2022-06-24
001	2020-01-01	RICHARD DELL'ANNO	2021-09-28
001	2019-01-01	RICHARD DELL'ANNO	2020-10-14
001	2018-01-01
001	2017-01-01	RICHARD DELL'ANNO
001	2016-01-01	STEVEN GARDINER	2017-10-05
001	2015-01-01	STEVEN GARDINER	2016-10-12
001	2014-01-01	STEVEN GARDINER	2015-10-15
001	2013-01-01	STEVEN GARDINER	2014-10-13
001	2012-01-01	STEVEN GARDINER	2013-10-11
001	2011-01-01	STEVEN GARDINER	2012-10-15
001	2010-01-01	STEVEN GARDINER	2011-06-29
001	2009-01-01	STEVEN GARDINER

Plan Statistics for R & M RICHARDS, INC. MANHATTAN PROFIT SHARING PLAN

401k plan membership statisitcs for R & M RICHARDS, INC. MANHATTAN PROFIT SHARING PLAN

Measure Date Value
2018: R & M RICHARDS, INC. MANHATTAN PROFIT SHARING PLAN 2018 401k membership
Total participants, beginning-of-year 2018-01-01 113
Total number of active participants reported on line 7a of the Form 5500 2018-01-01 89
Number of retired or separated participants receiving benefits 2018-01-01 0
Number of other retired or separated participants entitled to future benefits 2018-01-01 29
Total of all active and inactive participants 2018-01-01 118
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2018-01-01 0
Total participants 2018-01-01 118
Number of participants with account balances 2018-01-01 88
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-01-01 0
2017: R & M RICHARDS, INC. MANHATTAN PROFIT SHARING PLAN 2017 401k membership
Total participants, beginning-of-year 2017-01-01 134
Total number of active participants reported on line 7a of the Form 5500 2017-01-01 85
Number of retired or separated participants receiving benefits 2017-01-01 0
Number of other retired or separated participants entitled to future benefits 2017-01-01 28
Total of all active and inactive participants 2017-01-01 113
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2017-01-01 0
Total participants 2017-01-01 113
Number of participants with account balances 2017-01-01 87
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-01-01 0
2009: R & M RICHARDS, INC. MANHATTAN PROFIT SHARING PLAN 2009 401k membership
Total participants, beginning-of-year 2009-01-01 115
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 78
Number of retired or separated participants receiving benefits 2009-01-01 0
Number of other retired or separated participants entitled to future benefits 2009-01-01 33
Total of all active and inactive participants 2009-01-01 111
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-01-01 0
Total participants 2009-01-01 111
Number of participants with account balances 2009-01-01 87
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 0

Measure	Date	Value
2018: R & M RICHARDS, INC. MANHATTAN PROFIT SHARING PLAN 2018 401k membership
Total participants, beginning-of-year	2018-01-01	113
Total number of active participants reported on line 7a of the Form 5500	2018-01-01	89
Number of retired or separated participants receiving benefits	2018-01-01	0
Number of other retired or separated participants entitled to future benefits	2018-01-01	29
Total of all active and inactive participants	2018-01-01	118
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2018-01-01	0
Total participants	2018-01-01	118
Number of participants with account balances	2018-01-01	88
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-01-01	0
2017: R & M RICHARDS, INC. MANHATTAN PROFIT SHARING PLAN 2017 401k membership
Total participants, beginning-of-year	2017-01-01	134
Total number of active participants reported on line 7a of the Form 5500	2017-01-01	85
Number of retired or separated participants receiving benefits	2017-01-01	0
Number of other retired or separated participants entitled to future benefits	2017-01-01	28
Total of all active and inactive participants	2017-01-01	113
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2017-01-01	0
Total participants	2017-01-01	113
Number of participants with account balances	2017-01-01	87
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-01-01	0
2009: R & M RICHARDS, INC. MANHATTAN PROFIT SHARING PLAN 2009 401k membership
Total participants, beginning-of-year	2009-01-01	115
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	78
Number of retired or separated participants receiving benefits	2009-01-01	0
Number of other retired or separated participants entitled to future benefits	2009-01-01	33
Total of all active and inactive participants	2009-01-01	111
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-01-01	0
Total participants	2009-01-01	111
Number of participants with account balances	2009-01-01	87
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	0

Financial Data on R & M RICHARDS, INC. MANHATTAN PROFIT SHARING PLAN

Measure	Date	Value
2018 : R & M RICHARDS, INC. MANHATTAN PROFIT SHARING PLAN 2018 401k financial data
Total unrealized appreciation/depreciation of assets	2018-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$2,734
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$99
Total income from all sources (including contributions)	2018-12-31	$93,317
Total loss/gain on sale of assets	2018-12-31	$0
Total of all expenses incurred	2018-12-31	$249,444
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2018-12-31	$221,160
Value of total corrective distributions	2018-12-31	$3,902
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2018-12-31	$276,966
Value of total assets at end of year	2018-12-31	$3,596,990
Value of total assets at beginning of year	2018-12-31	$3,750,482
Total of administrative expenses incurred including professional, contract, advisory and management fees	2018-12-31	$24,382
Total interest from all sources	2018-12-31	$1,495
Total dividends received (eg from common stock, registered investment company shares)	2018-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2018-12-31	No
Administrative expenses professional fees incurred	2018-12-31	$24,382
Was this plan covered by a fidelity bond	2018-12-31	Yes
Value of fidelity bond cover	2018-12-31	$500,000
If this is an individual account plan, was there a blackout period	2018-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2018-12-31	No
Contributions received from participants	2018-12-31	$184,834
Participant contributions at end of year	2018-12-31	$37,413
Participant contributions at beginning of year	2018-12-31	$22,159
Income. Received or receivable in cash from other sources (including rollovers)	2018-12-31	$51
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2018-12-31	$2,734
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2018-12-31	$99
Total non interest bearing cash at end of year	2018-12-31	$0
Total non interest bearing cash at beginning of year	2018-12-31	$1,737
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-12-31	No
Value of net income/loss	2018-12-31	$-156,127
Value of net assets at end of year (total assets less liabilities)	2018-12-31	$3,594,256
Value of net assets at beginning of year (total assets less liabilities)	2018-12-31	$3,750,383
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2018-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2018-12-31	No
Were any leases to which the plan was party in default or uncollectible	2018-12-31	No
Value of interest in pooled separate accounts at end of year	2018-12-31	$3,559,577
Value of interest in pooled separate accounts at beginning of year	2018-12-31	$3,726,023
Interest on participant loans	2018-12-31	$1,495
Net investment gain/loss from pooled separate accounts	2018-12-31	$-185,144
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2018-12-31	No
Was there a failure to transmit to the plan any participant contributions	2018-12-31	No
Has the plan failed to provide any benefit when due under the plan	2018-12-31	No
Contributions received in cash from employer	2018-12-31	$92,081
Employer contributions (assets) at beginning of year	2018-12-31	$563
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2018-12-31	$221,160
Did the plan have assets held for investment	2018-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2018-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2018-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2018-12-31	Disclaimer
Accountancy firm name	2018-12-31	WISS & COMPANY, LLP
Accountancy firm EIN	2018-12-31	221732349
2017 : R & M RICHARDS, INC. MANHATTAN PROFIT SHARING PLAN 2017 401k financial data
Total unrealized appreciation/depreciation of assets	2017-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$99
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$0
Total income from all sources (including contributions)	2017-12-31	$626,529
Total loss/gain on sale of assets	2017-12-31	$0
Total of all expenses incurred	2017-12-31	$161,194
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2017-12-31	$103,510
Value of total corrective distributions	2017-12-31	$34,365
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2017-12-31	$221,198
Value of total assets at end of year	2017-12-31	$3,750,482
Value of total assets at beginning of year	2017-12-31	$3,285,048
Total of administrative expenses incurred including professional, contract, advisory and management fees	2017-12-31	$23,319
Total interest from all sources	2017-12-31	$1,199
Total dividends received (eg from common stock, registered investment company shares)	2017-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2017-12-31	No
Administrative expenses professional fees incurred	2017-12-31	$23,319
Was this plan covered by a fidelity bond	2017-12-31	Yes
Value of fidelity bond cover	2017-12-31	$500,000
If this is an individual account plan, was there a blackout period	2017-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2017-12-31	No
Contributions received from participants	2017-12-31	$178,079
Participant contributions at end of year	2017-12-31	$22,159
Participant contributions at beginning of year	2017-12-31	$30,450
Participant contributions at beginning of year	2017-12-31	$8,515
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2017-12-31	$99
Total non interest bearing cash at end of year	2017-12-31	$1,737
Total non interest bearing cash at beginning of year	2017-12-31	$53,298
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Value of net income/loss	2017-12-31	$465,335
Value of net assets at end of year (total assets less liabilities)	2017-12-31	$3,750,383
Value of net assets at beginning of year (total assets less liabilities)	2017-12-31	$3,285,048
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2017-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2017-12-31	No
Were any leases to which the plan was party in default or uncollectible	2017-12-31	No
Value of interest in pooled separate accounts at end of year	2017-12-31	$3,726,023
Value of interest in pooled separate accounts at beginning of year	2017-12-31	$3,188,396
Interest on participant loans	2017-12-31	$1,199
Net investment gain/loss from pooled separate accounts	2017-12-31	$404,132
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2017-12-31	No
Was there a failure to transmit to the plan any participant contributions	2017-12-31	Yes
Has the plan failed to provide any benefit when due under the plan	2017-12-31	No
Contributions received in cash from employer	2017-12-31	$43,119
Employer contributions (assets) at end of year	2017-12-31	$563
Employer contributions (assets) at beginning of year	2017-12-31	$4,389
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2017-12-31	$103,510
Did the plan have assets held for investment	2017-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2017-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2017-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2017-12-31	Disclaimer
Accountancy firm name	2017-12-31	BOND, ANDIOLA & COMPANY
Accountancy firm EIN	2017-12-31	223205275
2009 : R & M RICHARDS, INC. MANHATTAN PROFIT SHARING PLAN 2009 401k financial data
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2009-12-31	$0

Form 5500 Responses for R & M RICHARDS, INC. MANHATTAN PROFIT SHARING PLAN

2018: R & M RICHARDS, INC. MANHATTAN PROFIT SHARING PLAN 2018 form 5500 responses
2018-01-01	Type of plan entity	Single employer plan
2018-01-01	Submission has been amended	No
2018-01-01	This submission is the final filing	No
2018-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2018-01-01	Plan is a collectively bargained plan	No
2018-01-01	Plan funding arrangement – Insurance	Yes
2018-01-01	Plan funding arrangement – Trust	Yes
2018-01-01	Plan benefit arrangement – Insurance	Yes
2018-01-01	Plan benefit arrangement - Trust	Yes
2017: R & M RICHARDS, INC. MANHATTAN PROFIT SHARING PLAN 2017 form 5500 responses
2017-01-01	Type of plan entity	Single employer plan
2017-01-01	Submission has been amended	No
2017-01-01	This submission is the final filing	No
2017-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2017-01-01	Plan is a collectively bargained plan	No
2017-01-01	Plan funding arrangement – Insurance	Yes
2017-01-01	Plan funding arrangement – Trust	Yes
2017-01-01	Plan benefit arrangement – Insurance	Yes
2017-01-01	Plan benefit arrangement - Trust	Yes
2009: R & M RICHARDS, INC. MANHATTAN PROFIT SHARING PLAN 2009 form 5500 responses
2009-01-01	Type of plan entity	Single employer plan
2009-01-01	Submission has been amended	No
2009-01-01	This submission is the final filing	No
2009-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2009-01-01	Plan is a collectively bargained plan	No
2009-01-01	Plan funding arrangement – Insurance	Yes
2009-01-01	Plan funding arrangement – Trust	Yes
2009-01-01	Plan benefit arrangement – Insurance	Yes
2009-01-01	Plan benefit arrangement - Trust	Yes

Insurance Providers Used on plan

JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK (National Association of Insurance Commissioners NAIC id number: 86375 )

Policy contract number

801319

Policy instance

Insurance contract or identification number	801319
Number of Individuals Covered	87
Insurance policy start date	2018-01-01
Insurance policy end date	2018-12-31
Total amount of commissions paid to insurance broker	USD $10,917
Total amount of fees paid to insurance company	USD $2,187
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Amount paid for insurance broker fees	2187
Additional information about fees paid to insurance broker	SERVICING FEES
Insurance broker organization code?	5
Commission paid to Insurance Broker	USD $10,917

JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK (National Association of Insurance Commissioners NAIC id number: 86375 )

Policy contract number

801319

Policy instance

Insurance contract or identification number	801319
Number of Individuals Covered	87
Insurance policy start date	2017-01-01
Insurance policy end date	2017-12-31
Total amount of commissions paid to insurance broker	USD $5,351
Total amount of fees paid to insurance company	USD $3,920
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $5,351
Insurance broker organization code?	3
Amount paid for insurance broker fees	3920
Additional information about fees paid to insurance broker	SERVICING FEES
Insurance broker name	RED BANK PENSION SERVICES, INC.

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Company Name:	R&M RICHARDS, INC.
Employer identification number (EIN):	133614299
NAIC Classification:	315240
NAIC Description:	Women's, Girls', and Infants' Cut and Sew Apparel Manufacturing