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THE NATIONAL BANK OF DELAWARE COUNTY PENSION PLAN AS A MEMBER OF THE NEW YORK STATE BANKERS RETIREMENT SYSTEM 401k Plan overview

Plan NameTHE NATIONAL BANK OF DELAWARE COUNTY PENSION PLAN AS A MEMBER OF THE NEW YORK STATE BANKERS RETIREMENT SYSTEM
Plan identification number 006

THE NATIONAL BANK OF DELAWARE COUNTY PENSION PLAN AS A MEMBER OF THE NEW YORK STATE BANKERS RETIREMENT SYSTEM Benefits

401k Plan TypeDefined Benefit Pension
Plan Features/Benefits
  • Benefits are primarily pay related
  • Frozen Plan - As of the last day of the plan year, the plan provides that no participant will get any new benefit accrual (whether because of service or compensation).
  • 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.

401k Sponsoring company profile

WAYNE BANK has sponsored the creation of one or more 401k plans.

Company Name:WAYNE BANK
Employer identification number (EIN):240754330
NAIC Classification:522110
NAIC Description:Commercial Banking

Additional information about WAYNE BANK

Jurisdiction of Incorporation: COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF STATE
Incorporation Date:
Company Identification Number: 381838

More information about WAYNE BANK

Form 5500 Filing Information

Submission information for form 5500 for 401k plan THE NATIONAL BANK OF DELAWARE COUNTY PENSION PLAN AS A MEMBER OF THE NEW YORK STATE BANKERS RETIREMENT SYSTEM

Plan id# Filing Submission Date Name of Administrator Date Administrator SignedName of Company SponsorDate Sponsor Signed
0062021-10-01
0062020-10-01
0062019-10-01
0062018-10-01
0062017-10-01

Plan Statistics for THE NATIONAL BANK OF DELAWARE COUNTY PENSION PLAN AS A MEMBER OF THE NEW YORK STATE BANKERS RETIREMENT SYSTEM

401k plan membership statisitcs for THE NATIONAL BANK OF DELAWARE COUNTY PENSION PLAN AS A MEMBER OF THE NEW YORK STATE BANKERS RETIREMENT SYSTEM

Measure Date Value
2022: THE NATIONAL BANK OF DELAWARE COUNTY PENSION PLAN AS A MEMBER OF THE NEW YORK STATE BANKERS RETIREMENT SYSTEM 2022 401k membership
Market value of plan assets2022-09-307,520,186
Acturial value of plan assets2022-09-307,520,186
Funding target for retired participants and beneficiaries receiving payment2022-09-304,326,284
Number of terminated vested participants2022-09-3020
Fundng target for terminated vested participants2022-09-301,079,883
Active participant vested funding target2022-09-30430,800
Number of active participants2022-09-3013
Total funding liabilities for active participants2022-09-30430,800
Total participant count2022-09-3079
Total funding target for all participants2022-09-305,836,967
Balance at beginning of prior year after applicable adjustments2022-09-30850,337
Prefunding balance at beginning of prior year after applicable adjustments2022-09-300
Carryover balanced portion elected for use to offset prior years funding requirement2022-09-300
Prefunding balanced used to offset prior years funding requirement2022-09-300
Amount remaining of carryover balance2022-09-30850,337
Amount remaining of prefunding balance2022-09-300
Present value of excess contributions2022-09-300
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance2022-09-300
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance2022-09-300
Reductions in caryover balances due to elections or deemed elections2022-09-300
Reductions in prefunding balances due to elections or deemed elections2022-09-300
Balance of carryovers at beginning of current year2022-09-30947,616
Balance of prefunding at beginning of current year2022-09-300
Contributions allocated toward unpaid minimum require contributions from prior years2022-09-300
Contributions made to avoid restrictions adjusted to valuation date2022-09-300
Contributions allocated toward minimum required contributions for current year adjusted to valuation date2022-09-300
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years2022-09-300
Remaining amount of unpaid minimum required contributions2022-09-300
Minimum required contributions for current year target normal cost2022-09-3054,421
Total funding amount beforereflecting carryover/prefunding balances2022-09-300
Additional cash requirement2022-09-300
Contributions allocatedtoward minimum required contributions for current year2022-09-300
Unpaid minimum required contributions for current year2022-09-300
Unpaid minimum required contributions for all years2022-09-300
2021: THE NATIONAL BANK OF DELAWARE COUNTY PENSION PLAN AS A MEMBER OF THE NEW YORK STATE BANKERS RETIREMENT SYSTEM 2021 401k membership
Total participants, beginning-of-year2021-10-0179
Total number of active participants reported on line 7a of the Form 55002021-10-0110
Number of retired or separated participants receiving benefits2021-10-0146
Number of other retired or separated participants entitled to future benefits2021-10-0119
Total of all active and inactive participants2021-10-0175
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits2021-10-012
Total participants2021-10-0177
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested2021-10-010
Market value of plan assets2021-09-307,249,919
Acturial value of plan assets2021-09-307,249,919
Funding target for retired participants and beneficiaries receiving payment2021-09-304,574,216
Number of terminated vested participants2021-09-3022
Fundng target for terminated vested participants2021-09-301,011,074
Active participant vested funding target2021-09-30492,346
Number of active participants2021-09-3014
Total funding liabilities for active participants2021-09-30492,346
Total participant count2021-09-3082
Total funding target for all participants2021-09-306,077,636
Balance at beginning of prior year after applicable adjustments2021-09-30803,527
Prefunding balance at beginning of prior year after applicable adjustments2021-09-300
Carryover balanced portion elected for use to offset prior years funding requirement2021-09-3054,727
Prefunding balanced used to offset prior years funding requirement2021-09-300
Amount remaining of carryover balance2021-09-30748,800
Amount remaining of prefunding balance2021-09-300
Present value of excess contributions2021-09-300
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance2021-09-300
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance2021-09-300
Reductions in caryover balances due to elections or deemed elections2021-09-300
Reductions in prefunding balances due to elections or deemed elections2021-09-300
Balance of carryovers at beginning of current year2021-09-30850,337
Balance of prefunding at beginning of current year2021-09-300
Total employer contributions2021-09-300
Total employee contributions2021-09-300
Contributions allocated toward unpaid minimum require contributions from prior years2021-09-300
Contributions made to avoid restrictions adjusted to valuation date2021-09-300
Contributions allocated toward minimum required contributions for current year adjusted to valuation date2021-09-300
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years2021-09-300
Remaining amount of unpaid minimum required contributions2021-09-300
Minimum required contributions for current year target normal cost2021-09-3050,066
Total funding amount beforereflecting carryover/prefunding balances2021-09-300
Additional cash requirement2021-09-300
Contributions allocatedtoward minimum required contributions for current year2021-09-300
Unpaid minimum required contributions for current year2021-09-300
Unpaid minimum required contributions for all years2021-09-300
2020: THE NATIONAL BANK OF DELAWARE COUNTY PENSION PLAN AS A MEMBER OF THE NEW YORK STATE BANKERS RETIREMENT SYSTEM 2020 401k membership
Total participants, beginning-of-year2020-10-0182
Total number of active participants reported on line 7a of the Form 55002020-10-0113
Number of retired or separated participants receiving benefits2020-10-0144
Number of other retired or separated participants entitled to future benefits2020-10-0120
Total of all active and inactive participants2020-10-0177
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits2020-10-012
Total participants2020-10-0179
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested2020-10-010
Market value of plan assets2020-09-306,879,451
Acturial value of plan assets2020-09-306,879,451
Funding target for retired participants and beneficiaries receiving payment2020-09-304,761,194
Number of terminated vested participants2020-09-3022
Fundng target for terminated vested participants2020-09-30940,113
Active participant vested funding target2020-09-30465,493
Number of active participants2020-09-3015
Total funding liabilities for active participants2020-09-30465,493
Total participant count2020-09-3084
Total funding target for all participants2020-09-306,166,800
Balance at beginning of prior year after applicable adjustments2020-09-30782,357
Prefunding balance at beginning of prior year after applicable adjustments2020-09-300
Carryover balanced portion elected for use to offset prior years funding requirement2020-09-3059,436
Prefunding balanced used to offset prior years funding requirement2020-09-300
Amount remaining of carryover balance2020-09-30722,921
Amount remaining of prefunding balance2020-09-300
Present value of excess contributions2020-09-300
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance2020-09-300
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance2020-09-300
Reductions in caryover balances due to elections or deemed elections2020-09-300
Reductions in prefunding balances due to elections or deemed elections2020-09-300
Balance of carryovers at beginning of current year2020-09-30803,527
Balance of prefunding at beginning of current year2020-09-300
Total employer contributions2020-09-300
Total employee contributions2020-09-300
Contributions allocated toward unpaid minimum require contributions from prior years2020-09-300
Contributions made to avoid restrictions adjusted to valuation date2020-09-300
Contributions allocated toward minimum required contributions for current year adjusted to valuation date2020-09-300
Liquidity shortfalls end of Q12020-09-300
Liquidity shortfalls end of Q22020-09-300
Liquidity shortfalls end of Q32020-09-300
Liquidity shortfalls end of Q42020-09-300
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years2020-09-300
Remaining amount of unpaid minimum required contributions2020-09-300
Minimum required contributions for current year target normal cost2020-09-3054,727
Total funding amount beforereflecting carryover/prefunding balances2020-09-3054,727
Carryover balance elected to use to offset funding requirement2020-09-3054,727
Additional cash requirement2020-09-300
Contributions allocatedtoward minimum required contributions for current year2020-09-300
Unpaid minimum required contributions for current year2020-09-300
Unpaid minimum required contributions for all years2020-09-300
2019: THE NATIONAL BANK OF DELAWARE COUNTY PENSION PLAN AS A MEMBER OF THE NEW YORK STATE BANKERS RETIREMENT SYSTEM 2019 401k membership
Total participants, beginning-of-year2019-10-0184
Total number of active participants reported on line 7a of the Form 55002019-10-0114
Number of retired or separated participants receiving benefits2019-10-0143
Number of other retired or separated participants entitled to future benefits2019-10-0122
Total of all active and inactive participants2019-10-0179
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits2019-10-013
Total participants2019-10-0182
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested2019-10-010
Market value of plan assets2019-09-306,725,441
Acturial value of plan assets2019-09-306,725,441
Funding target for retired participants and beneficiaries receiving payment2019-09-305,180,637
Number of terminated vested participants2019-09-3022
Fundng target for terminated vested participants2019-09-30832,206
Active participant vested funding target2019-09-30453,367
Number of active participants2019-09-3017
Total funding liabilities for active participants2019-09-30453,367
Total participant count2019-09-3089
Total funding target for all participants2019-09-306,466,210
Balance at beginning of prior year after applicable adjustments2019-09-30749,169
Prefunding balance at beginning of prior year after applicable adjustments2019-09-300
Carryover balanced portion elected for use to offset prior years funding requirement2019-09-300
Prefunding balanced used to offset prior years funding requirement2019-09-300
Amount remaining of carryover balance2019-09-30749,169
Amount remaining of prefunding balance2019-09-300
Present value of excess contributions2019-09-300
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance2019-09-300
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance2019-09-300
Reductions in caryover balances due to elections or deemed elections2019-09-300
Reductions in prefunding balances due to elections or deemed elections2019-09-300
Balance of carryovers at beginning of current year2019-09-30782,357
Balance of prefunding at beginning of current year2019-09-300
Total employer contributions2019-09-300
Total employee contributions2019-09-300
Contributions allocated toward unpaid minimum require contributions from prior years2019-09-300
Contributions made to avoid restrictions adjusted to valuation date2019-09-300
Contributions allocated toward minimum required contributions for current year adjusted to valuation date2019-09-300
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years2019-09-300
Remaining amount of unpaid minimum required contributions2019-09-300
Minimum required contributions for current year target normal cost2019-09-3059,436
Total funding amount beforereflecting carryover/prefunding balances2019-09-3059,436
Carryover balance elected to use to offset funding requirement2019-09-3059,436
Prefunding balance elected to use to offset funding requirement2019-09-300
Additional cash requirement2019-09-300
Contributions allocatedtoward minimum required contributions for current year2019-09-300
Unpaid minimum required contributions for current year2019-09-300
Unpaid minimum required contributions for all years2019-09-300
2018: THE NATIONAL BANK OF DELAWARE COUNTY PENSION PLAN AS A MEMBER OF THE NEW YORK STATE BANKERS RETIREMENT SYSTEM 2018 401k membership
Total participants, beginning-of-year2018-10-0189
Total number of active participants reported on line 7a of the Form 55002018-10-0115
Number of retired or separated participants receiving benefits2018-10-0144
Number of other retired or separated participants entitled to future benefits2018-10-0122
Total of all active and inactive participants2018-10-0181
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits2018-10-013
Total participants2018-10-0184
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested2018-10-010
Market value of plan assets2018-09-307,007,466
Acturial value of plan assets2018-09-307,007,466
Funding target for retired participants and beneficiaries receiving payment2018-09-305,060,550
Number of terminated vested participants2018-09-3024
Fundng target for terminated vested participants2018-09-30721,447
Active participant vested funding target2018-09-30405,364
Number of active participants2018-09-3019
Total funding liabilities for active participants2018-09-30405,364
Total participant count2018-09-3093
Total funding target for all participants2018-09-306,187,361
Balance at beginning of prior year after applicable adjustments2018-09-30677,613
Prefunding balance at beginning of prior year after applicable adjustments2018-09-300
Carryover balanced portion elected for use to offset prior years funding requirement2018-09-300
Prefunding balanced used to offset prior years funding requirement2018-09-300
Amount remaining of carryover balance2018-09-30677,613
Amount remaining of prefunding balance2018-09-300
Present value of excess contributions2018-09-300
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance2018-09-300
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance2018-09-300
Reductions in caryover balances due to elections or deemed elections2018-09-300
Reductions in prefunding balances due to elections or deemed elections2018-09-300
Balance of carryovers at beginning of current year2018-09-30749,169
Balance of prefunding at beginning of current year2018-09-300
Total employer contributions2018-09-300
Total employee contributions2018-09-300
Contributions allocated toward unpaid minimum require contributions from prior years2018-09-300
Contributions made to avoid restrictions adjusted to valuation date2018-09-300
Contributions allocated toward minimum required contributions for current year adjusted to valuation date2018-09-300
Unpaid minimum required contributions for all prior years2018-09-300
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years2018-09-300
Remaining amount of unpaid minimum required contributions2018-09-300
Minimum required contributions for current year target normal cost2018-09-3064,891
Net shortfall amortization installment of oustanding balance2018-09-300
Waiver amortization installment2018-09-300
Total funding amount beforereflecting carryover/prefunding balances2018-09-300
Carryover balance elected to use to offset funding requirement2018-09-300
Prefunding balance elected to use to offset funding requirement2018-09-300
Additional cash requirement2018-09-300
Contributions allocatedtoward minimum required contributions for current year2018-09-300
Unpaid minimum required contributions for current year2018-09-300
Unpaid minimum required contributions for all years2018-09-300
2017: THE NATIONAL BANK OF DELAWARE COUNTY PENSION PLAN AS A MEMBER OF THE NEW YORK STATE BANKERS RETIREMENT SYSTEM 2017 401k membership
Total participants, beginning-of-year2017-10-0193
Total number of active participants reported on line 7a of the Form 55002017-10-0117
Number of retired or separated participants receiving benefits2017-10-0147
Number of other retired or separated participants entitled to future benefits2017-10-0122
Total of all active and inactive participants2017-10-0186
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits2017-10-013
Total participants2017-10-0189
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested2017-10-010

Financial Data on THE NATIONAL BANK OF DELAWARE COUNTY PENSION PLAN AS A MEMBER OF THE NEW YORK STATE BANKERS RETIREMENT SYSTEM

Measure Date Value
2022 : THE NATIONAL BANK OF DELAWARE COUNTY PENSION PLAN AS A MEMBER OF THE NEW YORK STATE BANKERS RETIREMENT SYSTEM 2022 401k financial data
Total income from all sources2022-09-30$-1,772,537
Expenses. Total of all expenses incurred2022-09-30$553,230
Benefits paid (including direct rollovers)2022-09-30$472,411
Total plan assets at end of year2022-09-30$5,194,419
Total plan assets at beginning of year2022-09-30$7,520,186
Value of fidelity bond covering the plan2022-09-30$500,000
Expenses. Other expenses not covered elsewhere2022-09-30$29,150
Other income received2022-09-30$-1,772,537
Net income (gross income less expenses)2022-09-30$-2,325,767
Net plan assets at end of year (total assets less liabilities)2022-09-30$5,194,419
Net plan assets at beginning of year (total assets less liabilities)2022-09-30$7,520,186
Expenses. Administrative service providers (salaries,fees and commissions)2022-09-30$51,669
2021 : THE NATIONAL BANK OF DELAWARE COUNTY PENSION PLAN AS A MEMBER OF THE NEW YORK STATE BANKERS RETIREMENT SYSTEM 2021 401k financial data
Total income from all sources2021-09-30$799,978
Expenses. Total of all expenses incurred2021-09-30$529,711
Benefits paid (including direct rollovers)2021-09-30$475,290
Total plan assets at end of year2021-09-30$7,520,186
Total plan assets at beginning of year2021-09-30$7,249,919
Value of fidelity bond covering the plan2021-09-30$500,000
Other income received2021-09-30$799,978
Net income (gross income less expenses)2021-09-30$270,267
Net plan assets at end of year (total assets less liabilities)2021-09-30$7,520,186
Net plan assets at beginning of year (total assets less liabilities)2021-09-30$7,249,919
Expenses. Administrative service providers (salaries,fees and commissions)2021-09-30$54,421
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities2021-09-30$0
2020 : THE NATIONAL BANK OF DELAWARE COUNTY PENSION PLAN AS A MEMBER OF THE NEW YORK STATE BANKERS RETIREMENT SYSTEM 2020 401k financial data
Total income from all sources2020-09-30$897,467
Expenses. Total of all expenses incurred2020-09-30$526,999
Benefits paid (including direct rollovers)2020-09-30$476,933
Total plan assets at end of year2020-09-30$7,249,919
Total plan assets at beginning of year2020-09-30$6,879,451
Value of fidelity bond covering the plan2020-09-30$500,000
Other income received2020-09-30$897,467
Net income (gross income less expenses)2020-09-30$370,468
Net plan assets at end of year (total assets less liabilities)2020-09-30$7,249,919
Net plan assets at beginning of year (total assets less liabilities)2020-09-30$6,879,451
Expenses. Administrative service providers (salaries,fees and commissions)2020-09-30$50,066
2019 : THE NATIONAL BANK OF DELAWARE COUNTY PENSION PLAN AS A MEMBER OF THE NEW YORK STATE BANKERS RETIREMENT SYSTEM 2019 401k financial data
Total income from all sources2019-09-30$718,949
Expenses. Total of all expenses incurred2019-09-30$564,939
Benefits paid (including direct rollovers)2019-09-30$510,212
Total plan assets at end of year2019-09-30$6,879,451
Total plan assets at beginning of year2019-09-30$6,725,441
Value of fidelity bond covering the plan2019-09-30$500,000
Other income received2019-09-30$718,949
Net income (gross income less expenses)2019-09-30$154,010
Net plan assets at end of year (total assets less liabilities)2019-09-30$6,879,451
Net plan assets at beginning of year (total assets less liabilities)2019-09-30$6,725,441
Expenses. Administrative service providers (salaries,fees and commissions)2019-09-30$54,727
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities2019-09-30$0
2018 : THE NATIONAL BANK OF DELAWARE COUNTY PENSION PLAN AS A MEMBER OF THE NEW YORK STATE BANKERS RETIREMENT SYSTEM 2018 401k financial data
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities2018-09-30$0

Form 5500 Responses for THE NATIONAL BANK OF DELAWARE COUNTY PENSION PLAN AS A MEMBER OF THE NEW YORK STATE BANKERS RETIREMENT SYSTEM

2021: THE NATIONAL BANK OF DELAWARE COUNTY PENSION PLAN AS A MEMBER OF THE NEW YORK STATE BANKERS RETIREMENT SYSTEM 2021 form 5500 responses
2021-10-01Type of plan entitySingle employer plan
2021-10-01Submission has been amendedNo
2021-10-01This submission is the final filingNo
2021-10-01This return/report is a short plan year return/report (less than 12 months)No
2021-10-01Plan is a collectively bargained planNo
2021-10-01Plan funding arrangement – TrustYes
2021-10-01Plan benefit arrangement - TrustYes
2020: THE NATIONAL BANK OF DELAWARE COUNTY PENSION PLAN AS A MEMBER OF THE NEW YORK STATE BANKERS RETIREMENT SYSTEM 2020 form 5500 responses
2020-10-01Type of plan entitySingle employer plan
2020-10-01Submission has been amendedNo
2020-10-01This submission is the final filingNo
2020-10-01This return/report is a short plan year return/report (less than 12 months)No
2020-10-01Plan is a collectively bargained planNo
2020-10-01Plan funding arrangement – TrustYes
2020-10-01Plan benefit arrangement - TrustYes
2019: THE NATIONAL BANK OF DELAWARE COUNTY PENSION PLAN AS A MEMBER OF THE NEW YORK STATE BANKERS RETIREMENT SYSTEM 2019 form 5500 responses
2019-10-01Type of plan entitySingle employer plan
2019-10-01Submission has been amendedNo
2019-10-01This submission is the final filingNo
2019-10-01This return/report is a short plan year return/report (less than 12 months)No
2019-10-01Plan is a collectively bargained planNo
2019-10-01Plan funding arrangement – TrustYes
2019-10-01Plan benefit arrangement - TrustYes
2018: THE NATIONAL BANK OF DELAWARE COUNTY PENSION PLAN AS A MEMBER OF THE NEW YORK STATE BANKERS RETIREMENT SYSTEM 2018 form 5500 responses
2018-10-01Type of plan entitySingle employer plan
2018-10-01Submission has been amendedNo
2018-10-01This submission is the final filingNo
2018-10-01This return/report is a short plan year return/report (less than 12 months)No
2018-10-01Plan is a collectively bargained planNo
2018-10-01Plan funding arrangement – TrustYes
2018-10-01Plan benefit arrangement - TrustYes
2017: THE NATIONAL BANK OF DELAWARE COUNTY PENSION PLAN AS A MEMBER OF THE NEW YORK STATE BANKERS RETIREMENT SYSTEM 2017 form 5500 responses
2017-10-01Type of plan entitySingle employer plan
2017-10-01Submission has been amendedNo
2017-10-01This submission is the final filingNo
2017-10-01This return/report is a short plan year return/report (less than 12 months)No
2017-10-01Plan is a collectively bargained planNo
2017-10-01Plan funding arrangement – TrustYes
2017-10-01Plan benefit arrangement - TrustYes

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