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LAW OFFICE OF RUBEN SPINRAD, P.L. CASH BALANCE PLAN 401k Plan overview

Plan NameLAW OFFICE OF RUBEN SPINRAD, P.L. CASH BALANCE PLAN
Plan identification number 002

LAW OFFICE OF RUBEN SPINRAD, P.L. CASH BALANCE PLAN Benefits

401k Plan TypeDefined Benefit Pension
Plan Features/Benefits
  • Cash balance or similar plan - Plan has a "cash balance" formula. For this purpose, a "cash balance" formula is a benefit formula in a defined benefit plan by whatever name (for example, personal account plan, pension equity plan, life cycle plan, cash account plan, etc.) that rather than, or in addition to, expressing the accrued benefit as a life annuity commencing at normal retirement age, defines benefits for each employee in terms more common to a defined contribution plan such as a single sum distribution amount (for example, 10 percent of final average pay times years of service, or the amount of the employee's hypothetical account balance).
  • 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

RUBEN SPINRAD, P.L. has sponsored the creation of one or more 401k plans.

Company Name:RUBEN SPINRAD, P.L.
Employer identification number (EIN):273164109
NAIC Classification:541110
NAIC Description:Offices of Lawyers

Additional information about RUBEN SPINRAD, P.L.

Jurisdiction of Incorporation: Florida Department of State Division of Corporations
Incorporation Date: 2010-07-29
Company Identification Number: L10000079678
Legal Registered Office Address: 631 US HIGHWAY 1

NORTH PALM BEACH

33408

More information about RUBEN SPINRAD, P.L.

Form 5500 Filing Information

Submission information for form 5500 for 401k plan LAW OFFICE OF RUBEN SPINRAD, P.L. CASH BALANCE PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator SignedName of Company SponsorDate Sponsor Signed
0022020-01-01DAVID WIITALA2021-09-14
0022019-01-01DAVID WIITALA2020-10-08
0022018-01-01RUBEN SPINRAD2019-09-20
0022017-01-01RUBEN SPINRAD2018-09-04
0022016-01-01RUBEN SPINRAD2017-10-11
0022015-01-01RUBEN SPINRAD2016-09-28

Plan Statistics for LAW OFFICE OF RUBEN SPINRAD, P.L. CASH BALANCE PLAN

401k plan membership statisitcs for LAW OFFICE OF RUBEN SPINRAD, P.L. CASH BALANCE PLAN

Measure Date Value
2020: LAW OFFICE OF RUBEN SPINRAD, P.L. CASH BALANCE PLAN 2020 401k membership
Market value of plan assets2020-12-31646,226
Acturial value of plan assets2020-12-31646,226
Funding target for retired participants and beneficiaries receiving payment2020-12-310
Number of terminated vested participants2020-12-311
Fundng target for terminated vested participants2020-12-311,256
Active participant vested funding target2020-12-31590,893
Number of active participants2020-12-311
Total funding liabilities for active participants2020-12-31590,893
Total participant count2020-12-312
Total funding target for all participants2020-12-31592,149
Balance at beginning of prior year after applicable adjustments2020-12-310
Prefunding balance at beginning of prior year after applicable adjustments2020-12-3118,915
Carryover balanced portion elected for use to offset prior years funding requirement2020-12-310
Prefunding balanced used to offset prior years funding requirement2020-12-3111,080
Amount remaining of carryover balance2020-12-310
Amount remaining of prefunding balance2020-12-317,835
Present value of excess contributions2020-12-310
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance2020-12-310
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance2020-12-310
Reductions in caryover balances due to elections or deemed elections2020-12-310
Reductions in prefunding balances due to elections or deemed elections2020-12-310
Balance of carryovers at beginning of current year2020-12-310
Balance of prefunding at beginning of current year2020-12-3110,008
Total employer contributions2020-12-310
Total employee contributions2020-12-310
Contributions allocated toward unpaid minimum require contributions from prior years2020-12-310
Contributions made to avoid restrictions adjusted to valuation date2020-12-310
Contributions allocated toward minimum required contributions for current year adjusted to valuation date2020-12-310
Unpaid minimum required contributions for all prior years2020-12-310
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years2020-12-310
Remaining amount of unpaid minimum required contributions2020-12-310
Minimum required contributions for current year target normal cost2020-12-310
Net shortfall amortization installment of oustanding balance2020-12-310
Waiver amortization installment2020-12-310
Total funding amount beforereflecting carryover/prefunding balances2020-12-310
Carryover balance elected to use to offset funding requirement2020-12-310
Prefunding balance elected to use to offset funding requirement2020-12-310
Additional cash requirement2020-12-310
Contributions allocatedtoward minimum required contributions for current year2020-12-310
Unpaid minimum required contributions for current year2020-12-310
Unpaid minimum required contributions for all years2020-12-310
2019: LAW OFFICE OF RUBEN SPINRAD, P.L. CASH BALANCE PLAN 2019 401k membership
Market value of plan assets2019-12-31452,653
Acturial value of plan assets2019-12-31452,653
Funding target for retired participants and beneficiaries receiving payment2019-12-310
Number of terminated vested participants2019-12-310
Fundng target for terminated vested participants2019-12-310
Active participant vested funding target2019-12-31490,649
Number of active participants2019-12-312
Total funding liabilities for active participants2019-12-31490,649
Total participant count2019-12-312
Total funding target for all participants2019-12-31490,649
Balance at beginning of prior year after applicable adjustments2019-12-310
Prefunding balance at beginning of prior year after applicable adjustments2019-12-312,187
Carryover balanced portion elected for use to offset prior years funding requirement2019-12-310
Prefunding balanced used to offset prior years funding requirement2019-12-310
Amount remaining of carryover balance2019-12-310
Amount remaining of prefunding balance2019-12-312,187
Present value of excess contributions2019-12-3116,322
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance2019-12-3116,962
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance2019-12-3116,962
Reductions in caryover balances due to elections or deemed elections2019-12-310
Reductions in prefunding balances due to elections or deemed elections2019-12-310
Balance of carryovers at beginning of current year2019-12-310
Balance of prefunding at beginning of current year2019-12-3118,915
Total employer contributions2019-12-3175,563
Total employee contributions2019-12-310
Contributions allocated toward unpaid minimum require contributions from prior years2019-12-310
Contributions made to avoid restrictions adjusted to valuation date2019-12-310
Contributions allocated toward minimum required contributions for current year adjusted to valuation date2019-12-3170,867
Unpaid minimum required contributions for all prior years2019-12-310
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years2019-12-310
Remaining amount of unpaid minimum required contributions2019-12-310
Minimum required contributions for current year target normal cost2019-12-3172,700
Net shortfall amortization installment of oustanding balance2019-12-3156,911
Waiver amortization installment2019-12-310
Total funding amount beforereflecting carryover/prefunding balances2019-12-3181,947
Prefunding balance elected to use to offset funding requirement2019-12-3111,080
Additional cash requirement2019-12-3170,867
Contributions allocatedtoward minimum required contributions for current year2019-12-3170,867
Unpaid minimum required contributions for current year2019-12-310
Unpaid minimum required contributions for all years2019-12-310
2018: LAW OFFICE OF RUBEN SPINRAD, P.L. CASH BALANCE PLAN 2018 401k membership
Market value of plan assets2018-12-31418,115
Acturial value of plan assets2018-12-31418,115
Funding target for retired participants and beneficiaries receiving payment2018-12-310
Number of terminated vested participants2018-12-310
Fundng target for terminated vested participants2018-12-310
Active participant vested funding target2018-12-31397,699
Number of active participants2018-12-312
Total funding liabilities for active participants2018-12-31397,699
Total participant count2018-12-312
Total funding target for all participants2018-12-31397,699
Balance at beginning of prior year after applicable adjustments2018-12-310
Prefunding balance at beginning of prior year after applicable adjustments2018-12-315,270
Prefunding balanced used to offset prior years funding requirement2018-12-313,426
Amount remaining of carryover balance2018-12-310
Amount remaining of prefunding balance2018-12-311,844
Present value of excess contributions2018-12-310
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance2018-12-310
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance2018-12-310
Reductions in caryover balances due to elections or deemed elections2018-12-310
Reductions in prefunding balances due to elections or deemed elections2018-12-310
Balance of carryovers at beginning of current year2018-12-310
Balance of prefunding at beginning of current year2018-12-312,187
Total employer contributions2018-12-3175,972
Total employee contributions2018-12-310
Contributions allocated toward unpaid minimum require contributions from prior years2018-12-310
Contributions made to avoid restrictions adjusted to valuation date2018-12-310
Contributions allocated toward minimum required contributions for current year adjusted to valuation date2018-12-3171,672
Unpaid minimum required contributions for all prior years2018-12-310
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years2018-12-310
Remaining amount of unpaid minimum required contributions2018-12-310
Minimum required contributions for current year target normal cost2018-12-3173,579
Net shortfall amortization installment of oustanding balance2018-12-310
Waiver amortization installment2018-12-310
Total funding amount beforereflecting carryover/prefunding balances2018-12-3155,350
Carryover balance elected to use to offset funding requirement2018-12-310
Prefunding balance elected to use to offset funding requirement2018-12-310
Additional cash requirement2018-12-3155,350
Contributions allocatedtoward minimum required contributions for current year2018-12-3171,672
Unpaid minimum required contributions for current year2018-12-310
Unpaid minimum required contributions for all years2018-12-310
2017: LAW OFFICE OF RUBEN SPINRAD, P.L. CASH BALANCE PLAN 2017 401k membership
Market value of plan assets2017-12-31291,164
Acturial value of plan assets2017-12-31291,164
Funding target for retired participants and beneficiaries receiving payment2017-12-310
Number of terminated vested participants2017-12-310
Fundng target for terminated vested participants2017-12-310
Active participant vested funding target2017-12-31306,888
Number of active participants2017-12-311
Total funding liabilities for active participants2017-12-31306,888
Total participant count2017-12-311
Total funding target for all participants2017-12-31306,888
Balance at beginning of prior year after applicable adjustments2017-12-310
Prefunding balance at beginning of prior year after applicable adjustments2017-12-318,073
Carryover balanced portion elected for use to offset prior years funding requirement2017-12-310
Prefunding balanced used to offset prior years funding requirement2017-12-312,483
Amount remaining of carryover balance2017-12-310
Amount remaining of prefunding balance2017-12-315,590
Present value of excess contributions2017-12-310
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance2017-12-310
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance2017-12-310
Reductions in caryover balances due to elections or deemed elections2017-12-310
Reductions in prefunding balances due to elections or deemed elections2017-12-310
Balance of carryovers at beginning of current year2017-12-310
Balance of prefunding at beginning of current year2017-12-315,270
Total employer contributions2017-12-3180,000
Total employee contributions2017-12-310
Contributions allocated toward unpaid minimum require contributions from prior years2017-12-310
Contributions made to avoid restrictions adjusted to valuation date2017-12-310
Contributions allocated toward minimum required contributions for current year adjusted to valuation date2017-12-3173,224
Unpaid minimum required contributions for all prior years2017-12-310
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years2017-12-310
Remaining amount of unpaid minimum required contributions2017-12-310
Minimum required contributions for current year target normal cost2017-12-3173,171
Net shortfall amortization installment of oustanding balance2017-12-3120,994
Waiver amortization installment2017-12-310
Total funding amount beforereflecting carryover/prefunding balances2017-12-3176,650
Prefunding balance elected to use to offset funding requirement2017-12-313,426
Additional cash requirement2017-12-3173,224
Contributions allocatedtoward minimum required contributions for current year2017-12-3173,224
Unpaid minimum required contributions for current year2017-12-310
Unpaid minimum required contributions for all years2017-12-310
2016: LAW OFFICE OF RUBEN SPINRAD, P.L. CASH BALANCE PLAN 2016 401k membership
Market value of plan assets2016-12-31225,041
Acturial value of plan assets2016-12-31225,041
Funding target for retired participants and beneficiaries receiving payment2016-12-310
Number of terminated vested participants2016-12-310
Fundng target for terminated vested participants2016-12-310
Active participant vested funding target2016-12-310
Number of active participants2016-12-312
Total funding liabilities for active participants2016-12-31218,595
Total participant count2016-12-312
Total funding target for all participants2016-12-31218,595
Balance at beginning of prior year after applicable adjustments2016-12-310
Prefunding balance at beginning of prior year after applicable adjustments2016-12-310
Carryover balanced portion elected for use to offset prior years funding requirement2016-12-310
Prefunding balanced used to offset prior years funding requirement2016-12-310
Amount remaining of carryover balance2016-12-310
Amount remaining of prefunding balance2016-12-310
Present value of excess contributions2016-12-317,608
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance2016-12-318,073
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance2016-12-318,073
Reductions in caryover balances due to elections or deemed elections2016-12-310
Reductions in prefunding balances due to elections or deemed elections2016-12-310
Balance of carryovers at beginning of current year2016-12-310
Balance of prefunding at beginning of current year2016-12-318,073
Total employer contributions2016-12-3175,000
Total employee contributions2016-12-310
Contributions allocated toward unpaid minimum require contributions from prior years2016-12-310
Contributions made to avoid restrictions adjusted to valuation date2016-12-310
Contributions allocated toward minimum required contributions for current year adjusted to valuation date2016-12-3170,787
Unpaid minimum required contributions for all prior years2016-12-310
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years2016-12-310
Remaining amount of unpaid minimum required contributions2016-12-310
Minimum required contributions for current year target normal cost2016-12-3173,001
Net shortfall amortization installment of oustanding balance2016-12-311,627
Waiver amortization installment2016-12-310
Total funding amount beforereflecting carryover/prefunding balances2016-12-3173,270
Carryover balance elected to use to offset funding requirement2016-12-310
Prefunding balance elected to use to offset funding requirement2016-12-312,483
Additional cash requirement2016-12-3170,787
Contributions allocatedtoward minimum required contributions for current year2016-12-3170,787
Unpaid minimum required contributions for current year2016-12-310
Unpaid minimum required contributions for all years2016-12-310

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