401k Plan data: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN plan

VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 401k Plan overview

Plan Name	VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN
Plan identification number	101

VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

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

VIRTUAL BUSINESS OFFICE ASSOCIATES, INC has sponsored the creation of one or more 401k plans.

Company Name: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC

Employer identification number (EIN): 203099659

NAIC Classification: 561300

Form 5500 Filing Information

Submission information for form 5500 for 401k plan VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
101 2022-01-01
101 2019-01-01
101 2018-01-01
101 2017-01-01 PHIL TISUE
101 2016-01-01 PHIL TISUE
101 2015-01-01 PHIL TISUE
101 2014-01-01 PHIL TISUE
101 2013-01-01 PHIL TISUE
101 2012-04-01 PHIL TISUE

Plan Statistics for VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN

401k plan membership statisitcs for VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN

Measure Date Value
2022: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2022 401k membership
Total participants, beginning-of-year 2022-01-01 479
Total number of active participants reported on line 7a of the Form 5500 2022-01-01 711
Number of retired or separated participants receiving benefits 2022-01-01 0
Number of other retired or separated participants entitled to future benefits 2022-01-01 37
Total of all active and inactive participants 2022-01-01 748
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2022-01-01 2
Total participants 2022-01-01 750
Number of participants with account balances 2022-01-01 386
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2022-01-01 88
2019: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2019 401k membership
Total participants, beginning-of-year 2019-01-01 381
Total number of active participants reported on line 7a of the Form 5500 2019-01-01 371
Number of retired or separated participants receiving benefits 2019-01-01 11
Number of other retired or separated participants entitled to future benefits 2019-01-01 90
Total of all active and inactive participants 2019-01-01 472
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2019-01-01 0
Total participants 2019-01-01 472
Number of participants with account balances 2019-01-01 291
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2019-01-01 58
2018: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2018 401k membership
Total participants, beginning-of-year 2018-01-01 305
Total number of active participants reported on line 7a of the Form 5500 2018-01-01 290
Number of retired or separated participants receiving benefits 2018-01-01 8
Number of other retired or separated participants entitled to future benefits 2018-01-01 60
Total of all active and inactive participants 2018-01-01 358
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2018-01-01 0
Total participants 2018-01-01 358
Number of participants with account balances 2018-01-01 217
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-01-01 53
2017: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2017 401k membership
Total participants, beginning-of-year 2017-01-01 196
Total number of active participants reported on line 7a of the Form 5500 2017-01-01 255
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 50
Total of all active and inactive participants 2017-01-01 305
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2017-01-01 0
Total participants 2017-01-01 305
Number of participants with account balances 2017-01-01 157
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-01-01 12
2016: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2016 401k membership
Total participants, beginning-of-year 2016-01-01 192
Total number of active participants reported on line 7a of the Form 5500 2016-01-01 158
Number of retired or separated participants receiving benefits 2016-01-01 3
Number of other retired or separated participants entitled to future benefits 2016-01-01 36
Total of all active and inactive participants 2016-01-01 197
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2016-01-01 0
Total participants 2016-01-01 197
Number of participants with account balances 2016-01-01 84
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2016-01-01 17
2015: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2015 401k membership
Total participants, beginning-of-year 2015-01-01 187
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 172
Number of retired or separated participants receiving benefits 2015-01-01 3
Number of other retired or separated participants entitled to future benefits 2015-01-01 26
Total of all active and inactive participants 2015-01-01 201
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 0
Total participants 2015-01-01 201
Number of participants with account balances 2015-01-01 86
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 20
2014: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 199
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 156
Number of retired or separated participants receiving benefits 2014-01-01 1
Number of other retired or separated participants entitled to future benefits 2014-01-01 30
Total of all active and inactive participants 2014-01-01 187
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 187
Number of participants with account balances 2014-01-01 95
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 31
2013: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2013 401k membership
Total participants, beginning-of-year 2013-01-01 136
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 181
Number of retired or separated participants receiving benefits 2013-01-01 2
Number of other retired or separated participants entitled to future benefits 2013-01-01 16
Total of all active and inactive participants 2013-01-01 199
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 0
Total participants 2013-01-01 199
Number of participants with account balances 2013-01-01 96
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 21
2012: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2012 401k membership
Total participants, beginning-of-year 2012-04-01 0
Total number of active participants reported on line 7a of the Form 5500 2012-04-01 110
Number of retired or separated participants receiving benefits 2012-04-01 2
Number of other retired or separated participants entitled to future benefits 2012-04-01 24
Total of all active and inactive participants 2012-04-01 136
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-04-01 0
Total participants 2012-04-01 136
Number of participants with account balances 2012-04-01 83
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-04-01 20

Measure	Date	Value
2022: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2022 401k membership
Total participants, beginning-of-year	2022-01-01	479
Total number of active participants reported on line 7a of the Form 5500	2022-01-01	711
Number of retired or separated participants receiving benefits	2022-01-01	0
Number of other retired or separated participants entitled to future benefits	2022-01-01	37
Total of all active and inactive participants	2022-01-01	748
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2022-01-01	2
Total participants	2022-01-01	750
Number of participants with account balances	2022-01-01	386
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2022-01-01	88
2019: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2019 401k membership
Total participants, beginning-of-year	2019-01-01	381
Total number of active participants reported on line 7a of the Form 5500	2019-01-01	371
Number of retired or separated participants receiving benefits	2019-01-01	11
Number of other retired or separated participants entitled to future benefits	2019-01-01	90
Total of all active and inactive participants	2019-01-01	472
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2019-01-01	0
Total participants	2019-01-01	472
Number of participants with account balances	2019-01-01	291
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2019-01-01	58
2018: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2018 401k membership
Total participants, beginning-of-year	2018-01-01	305
Total number of active participants reported on line 7a of the Form 5500	2018-01-01	290
Number of retired or separated participants receiving benefits	2018-01-01	8
Number of other retired or separated participants entitled to future benefits	2018-01-01	60
Total of all active and inactive participants	2018-01-01	358
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2018-01-01	0
Total participants	2018-01-01	358
Number of participants with account balances	2018-01-01	217
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-01-01	53
2017: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2017 401k membership
Total participants, beginning-of-year	2017-01-01	196
Total number of active participants reported on line 7a of the Form 5500	2017-01-01	255
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	50
Total of all active and inactive participants	2017-01-01	305
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2017-01-01	0
Total participants	2017-01-01	305
Number of participants with account balances	2017-01-01	157
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-01-01	12
2016: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2016 401k membership
Total participants, beginning-of-year	2016-01-01	192
Total number of active participants reported on line 7a of the Form 5500	2016-01-01	158
Number of retired or separated participants receiving benefits	2016-01-01	3
Number of other retired or separated participants entitled to future benefits	2016-01-01	36
Total of all active and inactive participants	2016-01-01	197
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2016-01-01	0
Total participants	2016-01-01	197
Number of participants with account balances	2016-01-01	84
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2016-01-01	17
2015: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2015 401k membership
Total participants, beginning-of-year	2015-01-01	187
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	172
Number of retired or separated participants receiving benefits	2015-01-01	3
Number of other retired or separated participants entitled to future benefits	2015-01-01	26
Total of all active and inactive participants	2015-01-01	201
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	0
Total participants	2015-01-01	201
Number of participants with account balances	2015-01-01	86
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	20
2014: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	199
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	156
Number of retired or separated participants receiving benefits	2014-01-01	1
Number of other retired or separated participants entitled to future benefits	2014-01-01	30
Total of all active and inactive participants	2014-01-01	187
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	187
Number of participants with account balances	2014-01-01	95
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	31
2013: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2013 401k membership
Total participants, beginning-of-year	2013-01-01	136
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	181
Number of retired or separated participants receiving benefits	2013-01-01	2
Number of other retired or separated participants entitled to future benefits	2013-01-01	16
Total of all active and inactive participants	2013-01-01	199
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	0
Total participants	2013-01-01	199
Number of participants with account balances	2013-01-01	96
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	21
2012: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2012 401k membership
Total participants, beginning-of-year	2012-04-01	0
Total number of active participants reported on line 7a of the Form 5500	2012-04-01	110
Number of retired or separated participants receiving benefits	2012-04-01	2
Number of other retired or separated participants entitled to future benefits	2012-04-01	24
Total of all active and inactive participants	2012-04-01	136
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-04-01	0
Total participants	2012-04-01	136
Number of participants with account balances	2012-04-01	83
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-04-01	20

Financial Data on VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN

Measure	Date	Value
2022 : VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2022 401k financial data
Total unrealized appreciation/depreciation of assets	2022-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-12-31	$0
Total income from all sources (including contributions)	2022-12-31	$441,717
Total loss/gain on sale of assets	2022-12-31	$0
Total of all expenses incurred	2022-12-31	$561,161
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2022-12-31	$509,317
Value of total corrective distributions	2022-12-31	$3,312
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2022-12-31	$766,020
Value of total assets at end of year	2022-12-31	$1,746,745
Value of total assets at beginning of year	2022-12-31	$1,866,189
Total of administrative expenses incurred including professional, contract, advisory and management fees	2022-12-31	$48,532
Total interest from all sources	2022-12-31	$2,167
Total dividends received (eg from common stock, registered investment company shares)	2022-12-31	$1,294
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2022-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2022-12-31	$1,294
Administrative expenses professional fees incurred	2022-12-31	$10,383
Was this plan covered by a fidelity bond	2022-12-31	Yes
Value of fidelity bond cover	2022-12-31	$2,000,000
If this is an individual account plan, was there a blackout period	2022-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2022-12-31	No
Contributions received from participants	2022-12-31	$576,713
Participant contributions at end of year	2022-12-31	$40,066
Participant contributions at beginning of year	2022-12-31	$63,369
Participant contributions at end of year	2022-12-31	$25,935
Income. Received or receivable in cash from other sources (including rollovers)	2022-12-31	$68,004
Other income not declared elsewhere	2022-12-31	$89
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-12-31	No
Value of net income/loss	2022-12-31	$-119,444
Value of net assets at end of year (total assets less liabilities)	2022-12-31	$1,746,745
Value of net assets at beginning of year (total assets less liabilities)	2022-12-31	$1,866,189
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2022-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2022-12-31	No
Were any leases to which the plan was party in default or uncollectible	2022-12-31	No
Investment advisory and management fees	2022-12-31	$1,588
Value of interest in registered invesment companies (eg mutual funds) at end of year	2022-12-31	$66,857
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2022-12-31	$54,715
Value of interest in pooled separate accounts at end of year	2022-12-31	$2,243
Value of interest in pooled separate accounts at beginning of year	2022-12-31	$2,414
Interest on participant loans	2022-12-31	$1,878
Interest earned on other investments	2022-12-31	$289
Value of interest in common/collective trusts at end of year	2022-12-31	$1,576,348
Value of interest in common/collective trusts at beginning of year	2022-12-31	$1,741,899
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2022-12-31	$29,957
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2022-12-31	$3,792
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2022-12-31	$-9,543
Net investment gain/loss from pooled separate accounts	2022-12-31	$-633
Net investment gain or loss from common/collective trusts	2022-12-31	$-317,677
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2022-12-31	No
Was there a failure to transmit to the plan any participant contributions	2022-12-31	Yes
Has the plan failed to provide any benefit when due under the plan	2022-12-31	No
Contributions received in cash from employer	2022-12-31	$121,303
Employer contributions (assets) at end of year	2022-12-31	$5,339
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2022-12-31	$509,317
Contract administrator fees	2022-12-31	$36,561
Did the plan have assets held for investment	2022-12-31	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	2022-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2022-12-31	No
Opinion of an independent qualified public accountant for this plan	2022-12-31	Unqualified
Accountancy firm name	2022-12-31	BAUKNIGHT PIETRAS & STORMER, P.A.
Accountancy firm EIN	2022-12-31	570940019
2019 : VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2019 401k financial data
Total unrealized appreciation/depreciation of assets	2019-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total income from all sources (including contributions)	2019-12-31	$519,548
Total loss/gain on sale of assets	2019-12-31	$0
Total of all expenses incurred	2019-12-31	$129,325
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$102,246
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$355,290
Value of total assets at end of year	2019-12-31	$1,052,697
Value of total assets at beginning of year	2019-12-31	$662,474
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-12-31	$27,079
Total interest from all sources	2019-12-31	$2,210
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2019-12-31	No
Administrative expenses professional fees incurred	2019-12-31	$4,500
Was this plan covered by a fidelity bond	2019-12-31	Yes
Value of fidelity bond cover	2019-12-31	$500,000
If this is an individual account plan, was there a blackout period	2019-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2019-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2019-12-31	No
Contributions received from participants	2019-12-31	$285,643
Participant contributions at end of year	2019-12-31	$31,879
Participant contributions at beginning of year	2019-12-31	$20,163
Participant contributions at end of year	2019-12-31	$11,468
Participant contributions at beginning of year	2019-12-31	$8,604
Income. Received or receivable in cash from other sources (including rollovers)	2019-12-31	$1,501
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2019-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2019-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Value of net income/loss	2019-12-31	$390,223
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$1,052,697
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$662,474
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2019-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2019-12-31	No
Were any leases to which the plan was party in default or uncollectible	2019-12-31	No
Value of interest in pooled separate accounts at end of year	2019-12-31	$936,278
Value of interest in pooled separate accounts at beginning of year	2019-12-31	$587,036
Interest on participant loans	2019-12-31	$1,389
Interest earned on other investments	2019-12-31	$821
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2019-12-31	$63,822
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2019-12-31	$44,872
Net investment gain/loss from pooled separate accounts	2019-12-31	$162,048
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2019-12-31	No
Was there a failure to transmit to the plan any participant contributions	2019-12-31	No
Has the plan failed to provide any benefit when due under the plan	2019-12-31	No
Contributions received in cash from employer	2019-12-31	$68,146
Employer contributions (assets) at end of year	2019-12-31	$9,250
Employer contributions (assets) at beginning of year	2019-12-31	$1,799
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-12-31	$102,246
Contract administrator fees	2019-12-31	$22,579
Did the plan have assets held for investment	2019-12-31	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	2019-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2019-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2019-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2019-12-31	Disclaimer
Accountancy firm name	2019-12-31	COULTER & JUSTUS
Accountancy firm EIN	2019-12-31	621532536
2018 : VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) 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	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$0
Total income from all sources (including contributions)	2018-12-31	$197,336
Total loss/gain on sale of assets	2018-12-31	$0
Total of all expenses incurred	2018-12-31	$196,898
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2018-12-31	$173,639
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2018-12-31	$234,029
Value of total assets at end of year	2018-12-31	$662,474
Value of total assets at beginning of year	2018-12-31	$662,036
Total of administrative expenses incurred including professional, contract, advisory and management fees	2018-12-31	$23,259
Total interest from all sources	2018-12-31	$3,135
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
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
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2018-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2018-12-31	No
Contributions received from participants	2018-12-31	$191,715
Participant contributions at end of year	2018-12-31	$20,163
Participant contributions at beginning of year	2018-12-31	$71,145
Participant contributions at end of year	2018-12-31	$8,604
Participant contributions at beginning of year	2018-12-31	$5,017
Income. Received or receivable in cash from other sources (including rollovers)	2018-12-31	$723
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2018-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2018-12-31	$0
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	$438
Value of net assets at end of year (total assets less liabilities)	2018-12-31	$662,474
Value of net assets at beginning of year (total assets less liabilities)	2018-12-31	$662,036
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	$587,036
Value of interest in pooled separate accounts at beginning of year	2018-12-31	$550,909
Interest on participant loans	2018-12-31	$2,662
Interest earned on other investments	2018-12-31	$473
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2018-12-31	$44,872
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2018-12-31	$33,818
Net investment gain/loss from pooled separate accounts	2018-12-31	$-39,828
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	Yes
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	$41,591
Employer contributions (assets) at end of year	2018-12-31	$1,799
Employer contributions (assets) at beginning of year	2018-12-31	$1,147
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2018-12-31	$173,639
Contract administrator fees	2018-12-31	$23,259
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2018-12-31	No
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	COULTER & JUSTUS
Accountancy firm EIN	2018-12-31	621532536
2017 : VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) 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	$0
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	$285,539
Total loss/gain on sale of assets	2017-12-31	$0
Total of all expenses incurred	2017-12-31	$42,649
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2017-12-31	$27,309
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2017-12-31	$217,883
Value of total assets at end of year	2017-12-31	$662,036
Value of total assets at beginning of year	2017-12-31	$419,146
Total of administrative expenses incurred including professional, contract, advisory and management fees	2017-12-31	$15,340
Total interest from all sources	2017-12-31	$1,355
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
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
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2017-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2017-12-31	No
Contributions received from participants	2017-12-31	$86,522
Participant contributions at end of year	2017-12-31	$71,145
Participant contributions at beginning of year	2017-12-31	$27,282
Participant contributions at end of year	2017-12-31	$5,017
Participant contributions at beginning of year	2017-12-31	$2,228
Income. Received or receivable in cash from other sources (including rollovers)	2017-12-31	$107,149
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2017-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2017-12-31	$0
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	$242,890
Value of net assets at end of year (total assets less liabilities)	2017-12-31	$662,036
Value of net assets at beginning of year (total assets less liabilities)	2017-12-31	$419,146
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	$550,909
Value of interest in pooled separate accounts at beginning of year	2017-12-31	$355,070
Interest on participant loans	2017-12-31	$921
Interest earned on other investments	2017-12-31	$434
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2017-12-31	$33,818
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2017-12-31	$34,028
Net investment gain/loss from pooled separate accounts	2017-12-31	$66,301
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	$24,212
Employer contributions (assets) at end of year	2017-12-31	$1,147
Employer contributions (assets) at beginning of year	2017-12-31	$538
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2017-12-31	$27,309
Contract administrator fees	2017-12-31	$15,340
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2017-12-31	No
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	COULTER & JUSTUS
Accountancy firm EIN	2017-12-31	621532536
2016 : VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2016 401k financial data
Total unrealized appreciation/depreciation of assets	2016-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
Total income from all sources (including contributions)	2016-12-31	$97,679
Total loss/gain on sale of assets	2016-12-31	$0
Total of all expenses incurred	2016-12-31	$46,050
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2016-12-31	$32,679
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2016-12-31	$72,655
Value of total assets at end of year	2016-12-31	$419,146
Value of total assets at beginning of year	2016-12-31	$367,517
Total of administrative expenses incurred including professional, contract, advisory and management fees	2016-12-31	$13,371
Total interest from all sources	2016-12-31	$1,549
Total dividends received (eg from common stock, registered investment company shares)	2016-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2016-12-31	No
Was this plan covered by a fidelity bond	2016-12-31	Yes
Value of fidelity bond cover	2016-12-31	$500,000
If this is an individual account plan, was there a blackout period	2016-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2016-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2016-12-31	No
Contributions received from participants	2016-12-31	$58,460
Participant contributions at end of year	2016-12-31	$27,282
Participant contributions at beginning of year	2016-12-31	$31,246
Participant contributions at end of year	2016-12-31	$2,228
Participant contributions at beginning of year	2016-12-31	$2,364
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2016-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2016-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Value of net income/loss	2016-12-31	$51,629
Value of net assets at end of year (total assets less liabilities)	2016-12-31	$419,146
Value of net assets at beginning of year (total assets less liabilities)	2016-12-31	$367,517
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2016-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2016-12-31	No
Were any leases to which the plan was party in default or uncollectible	2016-12-31	No
Value of interest in pooled separate accounts at end of year	2016-12-31	$355,070
Value of interest in pooled separate accounts at beginning of year	2016-12-31	$301,240
Interest on participant loans	2016-12-31	$1,107
Interest earned on other investments	2016-12-31	$442
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2016-12-31	$34,028
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2016-12-31	$32,096
Net investment gain/loss from pooled separate accounts	2016-12-31	$23,475
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2016-12-31	No
Was there a failure to transmit to the plan any participant contributions	2016-12-31	No
Has the plan failed to provide any benefit when due under the plan	2016-12-31	No
Contributions received in cash from employer	2016-12-31	$14,195
Employer contributions (assets) at end of year	2016-12-31	$538
Employer contributions (assets) at beginning of year	2016-12-31	$571
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2016-12-31	$32,679
Contract administrator fees	2016-12-31	$13,371
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2016-12-31	No
Did the plan have assets held for investment	2016-12-31	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	2016-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2016-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2016-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2016-12-31	Disclaimer
Accountancy firm name	2016-12-31	COULTER & JUSTUS
Accountancy firm EIN	2016-12-31	621532536
2015 : VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2015 401k financial data
Total unrealized appreciation/depreciation of assets	2015-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$2,391
Total income from all sources (including contributions)	2015-12-31	$86,244
Total loss/gain on sale of assets	2015-12-31	$0
Total of all expenses incurred	2015-12-31	$48,885
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$33,826
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$83,505
Value of total assets at end of year	2015-12-31	$367,517
Value of total assets at beginning of year	2015-12-31	$332,549
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$15,059
Total interest from all sources	2015-12-31	$1,423
Total dividends received (eg from common stock, registered investment company shares)	2015-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2015-12-31	No
Was this plan covered by a fidelity bond	2015-12-31	Yes
Value of fidelity bond cover	2015-12-31	$500,000
If this is an individual account plan, was there a blackout period	2015-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2015-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2015-12-31	No
Contributions received from participants	2015-12-31	$68,245
Participant contributions at end of year	2015-12-31	$31,246
Participant contributions at beginning of year	2015-12-31	$25,314
Participant contributions at end of year	2015-12-31	$2,364
Participant contributions at beginning of year	2015-12-31	$2,533
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2015-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2015-12-31	$2,391
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Value of net income/loss	2015-12-31	$37,359
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$367,517
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$330,158
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2015-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2015-12-31	No
Were any leases to which the plan was party in default or uncollectible	2015-12-31	No
Value of interest in pooled separate accounts at end of year	2015-12-31	$301,240
Value of interest in pooled separate accounts at beginning of year	2015-12-31	$277,340
Interest on participant loans	2015-12-31	$998
Interest earned on other investments	2015-12-31	$425
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2015-12-31	$32,096
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2015-12-31	$26,780
Net investment gain/loss from pooled separate accounts	2015-12-31	$1,316
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2015-12-31	No
Was there a failure to transmit to the plan any participant contributions	2015-12-31	No
Has the plan failed to provide any benefit when due under the plan	2015-12-31	No
Contributions received in cash from employer	2015-12-31	$15,260
Employer contributions (assets) at end of year	2015-12-31	$571
Employer contributions (assets) at beginning of year	2015-12-31	$582
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$33,826
Contract administrator fees	2015-12-31	$15,059
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2015-12-31	No
Did the plan have assets held for investment	2015-12-31	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	2015-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2015-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2015-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2015-12-31	Disclaimer
Accountancy firm name	2015-12-31	COULTER & JUSTUS
Accountancy firm EIN	2015-12-31	621532536
2014 : VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2014 401k financial data
Total unrealized appreciation/depreciation of assets	2014-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$2,391
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$4,103
Total income from all sources (including contributions)	2014-12-31	$110,720
Total loss/gain on sale of assets	2014-12-31	$0
Total of all expenses incurred	2014-12-31	$92,701
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$83,292
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$92,084
Value of total assets at end of year	2014-12-31	$332,549
Value of total assets at beginning of year	2014-12-31	$316,242
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$9,409
Total interest from all sources	2014-12-31	$1,686
Total dividends received (eg from common stock, registered investment company shares)	2014-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-31	No
Was this plan covered by a fidelity bond	2014-12-31	Yes
Value of fidelity bond cover	2014-12-31	$500,000
If this is an individual account plan, was there a blackout period	2014-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2014-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2014-12-31	No
Contributions received from participants	2014-12-31	$74,355
Participant contributions at end of year	2014-12-31	$25,314
Participant contributions at beginning of year	2014-12-31	$27,738
Participant contributions at end of year	2014-12-31	$2,533
Participant contributions at beginning of year	2014-12-31	$3,132
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2014-12-31	$2,391
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2014-12-31	$4,103
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Value of net income/loss	2014-12-31	$18,019
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$330,158
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$312,139
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-12-31	No
Were any leases to which the plan was party in default or uncollectible	2014-12-31	No
Value of interest in pooled separate accounts at end of year	2014-12-31	$277,340
Value of interest in pooled separate accounts at beginning of year	2014-12-31	$246,392
Interest on participant loans	2014-12-31	$1,083
Interest earned on other investments	2014-12-31	$603
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2014-12-31	$26,780
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2014-12-31	$38,259
Net investment gain/loss from pooled separate accounts	2014-12-31	$16,950
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-12-31	No
Was there a failure to transmit to the plan any participant contributions	2014-12-31	No
Has the plan failed to provide any benefit when due under the plan	2014-12-31	No
Contributions received in cash from employer	2014-12-31	$17,729
Employer contributions (assets) at end of year	2014-12-31	$582
Employer contributions (assets) at beginning of year	2014-12-31	$721
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$83,292
Contract administrator fees	2014-12-31	$9,409
Did the plan have assets held for investment	2014-12-31	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	2014-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2014-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2014-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2014-12-31	Disclaimer
Accountancy firm name	2014-12-31	COULTER & JUSTUS
Accountancy firm EIN	2014-12-31	621532536
2013 : VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2013 401k financial data
Total unrealized appreciation/depreciation of assets	2013-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$4,103
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Total income from all sources (including contributions)	2013-12-31	$119,968
Total loss/gain on sale of assets	2013-12-31	$0
Total of all expenses incurred	2013-12-31	$54,432
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$44,425
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$88,848
Value of total assets at end of year	2013-12-31	$316,242
Value of total assets at beginning of year	2013-12-31	$246,603
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$10,007
Total interest from all sources	2013-12-31	$1,655
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$500,000
If this is an individual account plan, was there a blackout period	2013-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2013-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2013-12-31	No
Contributions received from participants	2013-12-31	$75,619
Participant contributions at end of year	2013-12-31	$27,738
Participant contributions at beginning of year	2013-12-31	$22,926
Participant contributions at end of year	2013-12-31	$3,132
Participant contributions at beginning of year	2013-12-31	$2,295
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2013-12-31	$4,103
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2013-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Value of net income/loss	2013-12-31	$65,536
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$312,139
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$246,603
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-12-31	No
Were any leases to which the plan was party in default or uncollectible	2013-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2013-12-31	$38,259
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2013-12-31	$38,139
Value of interest in pooled separate accounts at end of year	2013-12-31	$246,392
Value of interest in pooled separate accounts at beginning of year	2013-12-31	$182,684
Interest on participant loans	2013-12-31	$1,032
Interest earned on other investments	2013-12-31	$623
Net investment gain/loss from pooled separate accounts	2013-12-31	$29,465
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-12-31	No
Was there a failure to transmit to the plan any participant contributions	2013-12-31	No
Has the plan failed to provide any benefit when due under the plan	2013-12-31	No
Contributions received in cash from employer	2013-12-31	$13,229
Employer contributions (assets) at end of year	2013-12-31	$721
Employer contributions (assets) at beginning of year	2013-12-31	$559
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$44,425
Contract administrator fees	2013-12-31	$10,007
Did the plan have assets held for investment	2013-12-31	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	2013-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2013-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2013-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2013-12-31	Disclaimer
Accountancy firm name	2013-12-31	COULTER & JUSTUS
Accountancy firm EIN	2013-12-31	621532536
2012 : VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2012 401k financial data
Total unrealized appreciation/depreciation of assets	2012-12-31	$0
Total transfer of assets to this plan	2012-12-31	$239,036
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total income from all sources (including contributions)	2012-12-31	$72,512
Total loss/gain on sale of assets	2012-12-31	$0
Total of all expenses incurred	2012-12-31	$64,945
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$59,686
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$57,071
Value of total assets at end of year	2012-12-31	$246,603
Value of total assets at beginning of year	2012-12-31	$0
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$5,259
Total interest from all sources	2012-12-31	$1,776
Total dividends received (eg from common stock, registered investment company shares)	2012-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-12-31	No
Was this plan covered by a fidelity bond	2012-12-31	No
If this is an individual account plan, was there a blackout period	2012-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2012-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2012-12-31	No
Contributions received from participants	2012-12-31	$46,680
Participant contributions at end of year	2012-12-31	$22,926
Participant contributions at beginning of year	2012-12-31	$0
Participant contributions at end of year	2012-12-31	$2,295
Participant contributions at beginning of year	2012-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Value of net income/loss	2012-12-31	$7,567
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$246,603
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$0
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2012-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2012-12-31	No
Were any leases to which the plan was party in default or uncollectible	2012-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2012-12-31	$38,139
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2012-12-31	$0
Value of interest in pooled separate accounts at end of year	2012-12-31	$182,684
Value of interest in pooled separate accounts at beginning of year	2012-12-31	$0
Interest on participant loans	2012-12-31	$525
Interest earned on other investments	2012-12-31	$1,251
Net investment gain/loss from pooled separate accounts	2012-12-31	$13,665
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2012-12-31	No
Was there a failure to transmit to the plan any participant contributions	2012-12-31	No
Has the plan failed to provide any benefit when due under the plan	2012-12-31	No
Contributions received in cash from employer	2012-12-31	$10,391
Employer contributions (assets) at end of year	2012-12-31	$559
Employer contributions (assets) at beginning of year	2012-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$59,686
Contract administrator fees	2012-12-31	$5,259
Did the plan have assets held for investment	2012-12-31	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	2012-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2012-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2012-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2012-12-31	Disclaimer
Accountancy firm name	2012-12-31	COULTER & JUSTUS
Accountancy firm EIN	2012-12-31	621532536

Form 5500 Responses for VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN

2022: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2022 form 5500 responses
2022-01-01	Type of plan entity	Single employer plan
2022-01-01	This submission is the final filing	No
2022-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2022-01-01	Plan is a collectively bargained plan	No
2022-01-01	Plan funding arrangement – Insurance	Yes
2022-01-01	Plan funding arrangement – Trust	Yes
2022-01-01	Plan benefit arrangement – Insurance	Yes
2022-01-01	Plan benefit arrangement - Trust	Yes
2019: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2019 form 5500 responses
2019-01-01	Type of plan entity	Single employer plan
2019-01-01	Submission has been amended	No
2019-01-01	This submission is the final filing	No
2019-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2019-01-01	Plan is a collectively bargained plan	No
2019-01-01	Plan funding arrangement – Insurance	Yes
2019-01-01	Plan funding arrangement – Trust	Yes
2019-01-01	Plan benefit arrangement – Insurance	Yes
2019-01-01	Plan benefit arrangement - Trust	Yes
2018: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) 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: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) 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
2016: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2016 form 5500 responses
2016-01-01	Type of plan entity	Single employer plan
2016-01-01	Submission has been amended	No
2016-01-01	This submission is the final filing	No
2016-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2016-01-01	Plan is a collectively bargained plan	No
2016-01-01	Plan funding arrangement – Insurance	Yes
2016-01-01	Plan funding arrangement – Trust	Yes
2016-01-01	Plan benefit arrangement – Insurance	Yes
2016-01-01	Plan benefit arrangement - Trust	Yes
2015: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2015 form 5500 responses
2015-01-01	Type of plan entity	Single employer plan
2015-01-01	Submission has been amended	No
2015-01-01	This submission is the final filing	No
2015-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2015-01-01	Plan is a collectively bargained plan	No
2015-01-01	Plan funding arrangement – Insurance	Yes
2015-01-01	Plan funding arrangement – Trust	Yes
2015-01-01	Plan benefit arrangement – Insurance	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes
2014: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Submission has been amended	No
2014-01-01	This submission is the final filing	No
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-01-01	Plan is a collectively bargained plan	No
2014-01-01	Plan funding arrangement – Insurance	Yes
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement – Insurance	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	Submission has been amended	No
2013-01-01	This submission is the final filing	No
2013-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-01-01	Plan is a collectively bargained plan	No
2013-01-01	Plan funding arrangement – Insurance	Yes
2013-01-01	Plan funding arrangement – Trust	Yes
2013-01-01	Plan benefit arrangement – Insurance	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes
2012: VIRTUAL BUSINESS OFFICE ASSOCIATES, INC 401(K) PLAN 2012 form 5500 responses
2012-04-01	Type of plan entity	Single employer plan
2012-04-01	First time form 5500 has been submitted	Yes
2012-04-01	Submission has been amended	No
2012-04-01	This submission is the final filing	No
2012-04-01	This return/report is a short plan year return/report (less than 12 months)	Yes
2012-04-01	Plan is a collectively bargained plan	No
2012-04-01	Plan funding arrangement – Insurance	Yes
2012-04-01	Plan funding arrangement – Trust	Yes
2012-04-01	Plan benefit arrangement – Insurance	Yes
2012-04-01	Plan benefit arrangement - Trust	Yes

Insurance Providers Used on plan

PRINCIPAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 61271 )

Policy contract number

629031

Policy instance

Insurance contract or identification number	629031
Number of Individuals Covered	750
Insurance policy start date	2022-01-01
Insurance policy end date	2022-12-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $0
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No

PRINCIPAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 61271 )

Policy contract number

467968

Policy instance

Insurance contract or identification number	467968
Number of Individuals Covered	750
Insurance policy start date	2022-01-01
Insurance policy end date	2022-12-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $0
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No

TRANSAMERICA LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 86231 )

Policy contract number

931061-648

Policy instance

Insurance contract or identification number	931061-648
Number of Individuals Covered	472
Insurance policy start date	2019-01-01
Insurance policy end date	2019-12-31
Total amount of commissions paid to insurance broker	USD $3,329
Total amount of fees paid to insurance company	USD $0
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?	Yes
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 $3,329
Amount paid for insurance broker fees	0
Additional information about fees paid to insurance broker	N/A
Insurance broker organization code?	3

TRANSAMERICA LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 86231 )

Policy contract number

931061-648

Policy instance

Insurance contract or identification number	931061-648
Number of Individuals Covered	305
Insurance policy start date	2017-01-01
Insurance policy end date	2017-12-31
Total amount of commissions paid to insurance broker	USD $1,795
Total amount of fees paid to insurance company	USD $184
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?	Yes
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 $1,795
Amount paid for insurance broker fees	0
Additional information about fees paid to insurance broker	N/A
Insurance broker organization code?	3
Insurance broker name	TAG RESOURCES, LLC

TRANSAMERICA LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 86231 )

Policy contract number

931061-648

Policy instance

Insurance contract or identification number	931061-648
Number of Individuals Covered	201
Insurance policy start date	2015-01-01
Insurance policy end date	2015-12-31
Total amount of commissions paid to insurance broker	USD $1,287
Total amount of fees paid to insurance company	USD $0
Are there contracts with allocated funds for individual policies?	No
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?	Yes
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 $1,287
Amount paid for insurance broker fees	0
Additional information about fees paid to insurance broker	0.00
Insurance broker organization code?	3
Insurance broker name	THE RODARTE GROUP INC.

TRANSAMERICA LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 86231 )

Policy contract number

931061-648

Policy instance

Insurance contract or identification number	931061-648
Number of Individuals Covered	187
Insurance policy start date	2014-01-01
Insurance policy end date	2014-12-31
Total amount of commissions paid to insurance broker	USD $1,207
Total amount of fees paid to insurance company	USD $0
Are there contracts with allocated funds for individual policies?	No
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?	Yes
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 $1,207
Amount paid for insurance broker fees	0
Additional information about fees paid to insurance broker	0.00
Insurance broker organization code?	3
Insurance broker name	THE RODARTE GROUP INC.

TRANSAMERICA LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 86231 )

Policy contract number

931061-648

Policy instance

Insurance contract or identification number	931061-648
Number of Individuals Covered	199
Insurance policy start date	2013-01-01
Insurance policy end date	2013-12-31
Total amount of commissions paid to insurance broker	USD $1,014
Total amount of fees paid to insurance company	USD $0
Are there contracts with allocated funds for individual policies?	No
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 $1,014
Insurance broker organization code?	3
Insurance broker name	THE RODARTE GROUP INC.

TRANSAMERICA LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 86231 )

Policy contract number

931061-648

Policy instance

Insurance contract or identification number	931061-648
Number of Individuals Covered	136
Insurance policy start date	2012-01-01
Insurance policy end date	2012-12-31
Total amount of commissions paid to insurance broker	USD $611
Total amount of fees paid to insurance company	USD $0
Are there contracts with allocated funds for individual policies?	No
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 $611
Insurance broker organization code?	3
Insurance broker name	THE RODARTE GROUP INC.

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Company Name:	VIRTUAL BUSINESS OFFICE ASSOCIATES, INC
Employer identification number (EIN):	203099659
NAIC Classification:	561300