401k Plan data: RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY plan

RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY 401k Plan overview

Plan Name	RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY
Plan identification number	001

RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY 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.
Plan provides for automatic enrollment in plan that has employee contributions deducted from payroll.
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.

401k Sponsoring company profile

RETAIL CAPITAL, LLC has sponsored the creation of one or more 401k plans.

Company Name: RETAIL CAPITAL, LLC

Employer identification number (EIN): 273509621

NAIC Classification: 522298
NAIC Description: All Other Nondepository Credit Intermediation

Additional information about RETAIL CAPITAL, LLC

Jurisdiction of Incorporation: New York Department of State

Incorporation Date: 2010-09-21

Company Identification Number: 3997908

Legal Registered Office Address: 25200 TELEGRAPH RD.,
SUITE 350
SOUTHFIELD
United States of America (USA)
48033

More information about RETAIL CAPITAL, LLC

Form 5500 Filing Information

Submission information for form 5500 for 401k plan RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2023-01-01
001 2023-01-01
001 2023-01-01
001 2023-01-01 KAYLA GREEN 2024-01-31
001 2022-01-01
001 2021-01-01
001 2020-01-01
001 2019-01-01
001 2018-01-01
001 2017-01-01 MARIA MASON 2018-09-05
001 2016-01-01 MARIA MASON 2017-07-12
001 2015-01-01 MARIA MASON 2016-07-26
001 2014-01-01 MARIA MASON 2015-10-14
001 2013-01-01 MARIA MASON 2014-06-09
001 2012-01-01 MARIA MASON 2013-08-22

Plan Statistics for RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY

401k plan membership statisitcs for RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY

Measure Date Value
2023: RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY 2023 401k membership
Total participants, beginning-of-year 2023-01-01 193
Total number of active participants reported on line 7a of the Form 5500 2023-01-01 0
Number of retired or separated participants receiving benefits 2023-01-01 0
Number of other retired or separated participants entitled to future benefits 2023-01-01 0
Total of all active and inactive participants 2023-01-01 0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2023-01-01 0
Total participants 2023-01-01 0
Number of participants with account balances 2023-01-01 0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2023-01-01 0
2022: RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY 2022 401k membership
Total participants, beginning-of-year 2022-01-01 169
Total number of active participants reported on line 7a of the Form 5500 2022-01-01 154
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 34
Total of all active and inactive participants 2022-01-01 188
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2022-01-01 0
Total participants 2022-01-01 188
Number of participants with account balances 2022-01-01 180
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2022-01-01 13
2021: RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY 2021 401k membership
Total participants, beginning-of-year 2021-01-01 139
Total number of active participants reported on line 7a of the Form 5500 2021-01-01 117
Number of retired or separated participants receiving benefits 2021-01-01 0
Number of other retired or separated participants entitled to future benefits 2021-01-01 44
Total of all active and inactive participants 2021-01-01 161
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2021-01-01 0
Total participants 2021-01-01 161
Number of participants with account balances 2021-01-01 154
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2021-01-01 4
2020: RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY 2020 401k membership
Total participants, beginning-of-year 2020-01-01 158
Total number of active participants reported on line 7a of the Form 5500 2020-01-01 124
Number of retired or separated participants receiving benefits 2020-01-01 0
Number of other retired or separated participants entitled to future benefits 2020-01-01 13
Total of all active and inactive participants 2020-01-01 137
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2020-01-01 0
Total participants 2020-01-01 137
Number of participants with account balances 2020-01-01 89
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2020-01-01 6
2019: RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY 2019 401k membership
Total participants, beginning-of-year 2019-01-01 141
Total number of active participants reported on line 7a of the Form 5500 2019-01-01 139
Number of retired or separated participants receiving benefits 2019-01-01 0
Number of other retired or separated participants entitled to future benefits 2019-01-01 13
Total of all active and inactive participants 2019-01-01 152
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2019-01-01 0
Total participants 2019-01-01 152
Number of participants with account balances 2019-01-01 80
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2019-01-01 0
2018: RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY 2018 401k membership
Total participants, beginning-of-year 2018-01-01 134
Total number of active participants reported on line 7a of the Form 5500 2018-01-01 124
Number of retired or separated participants receiving benefits 2018-01-01 0
Number of other retired or separated participants entitled to future benefits 2018-01-01 13
Total of all active and inactive participants 2018-01-01 137
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2018-01-01 0
Total participants 2018-01-01 137
Number of participants with account balances 2018-01-01 59
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-01-01 0

Measure	Date	Value
2023: RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY 2023 401k membership
Total participants, beginning-of-year	2023-01-01	193
Total number of active participants reported on line 7a of the Form 5500	2023-01-01	0
Number of retired or separated participants receiving benefits	2023-01-01	0
Number of other retired or separated participants entitled to future benefits	2023-01-01	0
Total of all active and inactive participants	2023-01-01	0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2023-01-01	0
Total participants	2023-01-01	0
Number of participants with account balances	2023-01-01	0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2023-01-01	0
2022: RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY 2022 401k membership
Total participants, beginning-of-year	2022-01-01	169
Total number of active participants reported on line 7a of the Form 5500	2022-01-01	154
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	34
Total of all active and inactive participants	2022-01-01	188
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2022-01-01	0
Total participants	2022-01-01	188
Number of participants with account balances	2022-01-01	180
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2022-01-01	13
2021: RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY 2021 401k membership
Total participants, beginning-of-year	2021-01-01	139
Total number of active participants reported on line 7a of the Form 5500	2021-01-01	117
Number of retired or separated participants receiving benefits	2021-01-01	0
Number of other retired or separated participants entitled to future benefits	2021-01-01	44
Total of all active and inactive participants	2021-01-01	161
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2021-01-01	0
Total participants	2021-01-01	161
Number of participants with account balances	2021-01-01	154
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2021-01-01	4
2020: RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY 2020 401k membership
Total participants, beginning-of-year	2020-01-01	158
Total number of active participants reported on line 7a of the Form 5500	2020-01-01	124
Number of retired or separated participants receiving benefits	2020-01-01	0
Number of other retired or separated participants entitled to future benefits	2020-01-01	13
Total of all active and inactive participants	2020-01-01	137
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2020-01-01	0
Total participants	2020-01-01	137
Number of participants with account balances	2020-01-01	89
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2020-01-01	6
2019: RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY 2019 401k membership
Total participants, beginning-of-year	2019-01-01	141
Total number of active participants reported on line 7a of the Form 5500	2019-01-01	139
Number of retired or separated participants receiving benefits	2019-01-01	0
Number of other retired or separated participants entitled to future benefits	2019-01-01	13
Total of all active and inactive participants	2019-01-01	152
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2019-01-01	0
Total participants	2019-01-01	152
Number of participants with account balances	2019-01-01	80
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2019-01-01	0
2018: RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY 2018 401k membership
Total participants, beginning-of-year	2018-01-01	134
Total number of active participants reported on line 7a of the Form 5500	2018-01-01	124
Number of retired or separated participants receiving benefits	2018-01-01	0
Number of other retired or separated participants entitled to future benefits	2018-01-01	13
Total of all active and inactive participants	2018-01-01	137
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2018-01-01	0
Total participants	2018-01-01	137
Number of participants with account balances	2018-01-01	59
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-01-01	0

Financial Data on RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY

Measure	Date	Value
2023 : RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY 2023 401k financial data
Total unrealized appreciation/depreciation of assets	2023-03-31	$0
Total transfer of assets to this plan	2023-03-31	$0
Total transfer of assets from this plan	2023-03-31	$3,807,956
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2023-03-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2023-03-31	$0
Total income from all sources (including contributions)	2023-03-31	$604,231
Total loss/gain on sale of assets	2023-03-31	$0
Total of all expenses incurred	2023-03-31	$39,012
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2023-03-31	$31,977
Expenses. Certain deemed distributions of participant loans	2023-03-31	$55
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2023-03-31	$432,506
Value of total assets at end of year	2023-03-31	$0
Value of total assets at beginning of year	2023-03-31	$3,242,737
Total of administrative expenses incurred including professional, contract, advisory and management fees	2023-03-31	$6,980
Total interest from all sources	2023-03-31	$276
Total dividends received (eg from common stock, registered investment company shares)	2023-03-31	$3,881
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2023-03-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2023-03-31	$3,881
Was this plan covered by a fidelity bond	2023-03-31	Yes
Value of fidelity bond cover	2023-03-31	$325,000
If this is an individual account plan, was there a blackout period	2023-03-31	No
Were there any nonexempt tranactions with any party-in-interest	2023-03-31	No
Contributions received from participants	2023-03-31	$297,889
Participant contributions at beginning of year	2023-03-31	$11,995
Income. Received or receivable in cash from other sources (including rollovers)	2023-03-31	$46,383
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2023-03-31	No
Value of net income/loss	2023-03-31	$565,219
Value of net assets at end of year (total assets less liabilities)	2023-03-31	$0
Value of net assets at beginning of year (total assets less liabilities)	2023-03-31	$3,242,737
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2023-03-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2023-03-31	No
Were any leases to which the plan was party in default or uncollectible	2023-03-31	No
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2023-03-31	$2,930,473
Interest on participant loans	2023-03-31	$276
Value of interest in common/collective trusts at beginning of year	2023-03-31	$300,269
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2023-03-31	$165,723
Net investment gain or loss from common/collective trusts	2023-03-31	$1,845
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2023-03-31	No
Was there a failure to transmit to the plan any participant contributions	2023-03-31	Yes
Has the plan failed to provide any benefit when due under the plan	2023-03-31	No
Contributions received in cash from employer	2023-03-31	$88,234
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2023-03-31	$31,977
Did the plan have assets held for investment	2023-03-31	No
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	2023-03-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2023-03-31	Yes
Opinion of an independent qualified public accountant for this plan	2023-03-31	Unqualified
Accountancy firm name	2023-03-31	PLANTE & MORAN, PLLC
Accountancy firm EIN	2023-03-31	381357951
2022 : RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY 2022 401k financial data
Total unrealized appreciation/depreciation of assets	2022-12-31	$0
Total transfer of assets to this plan	2022-12-31	$4,953
Total transfer of assets from this plan	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	$1,086,424
Total loss/gain on sale of assets	2022-12-31	$0
Total of all expenses incurred	2022-12-31	$640,803
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2022-12-31	$600,775
Expenses. Certain deemed distributions of participant loans	2022-12-31	$322
Value of total corrective distributions	2022-12-31	$15,249
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2022-12-31	$1,525,509
Value of total assets at end of year	2022-12-31	$3,242,737
Value of total assets at beginning of year	2022-12-31	$2,792,163
Total of administrative expenses incurred including professional, contract, advisory and management fees	2022-12-31	$24,457
Total interest from all sources	2022-12-31	$1,458
Total dividends received (eg from common stock, registered investment company shares)	2022-12-31	$81,477
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	$81,477
Was this plan covered by a fidelity bond	2022-12-31	Yes
Value of fidelity bond cover	2022-12-31	$280,000
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	$939,580
Participant contributions at end of year	2022-12-31	$11,995
Participant contributions at beginning of year	2022-12-31	$22,866
Income. Received or receivable in cash from other sources (including rollovers)	2022-12-31	$287,920
Other income not declared elsewhere	2022-12-31	$74
Administrative expenses (other) incurred	2022-12-31	$24,457
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	$445,621
Value of net assets at end of year (total assets less liabilities)	2022-12-31	$3,242,737
Value of net assets at beginning of year (total assets less liabilities)	2022-12-31	$2,792,163
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
Value of interest in registered invesment companies (eg mutual funds) at end of year	2022-12-31	$2,930,473
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2022-12-31	$2,689,990
Interest on participant loans	2022-12-31	$1,458
Value of interest in common/collective trusts at end of year	2022-12-31	$300,269
Value of interest in common/collective trusts at beginning of year	2022-12-31	$79,307
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2022-12-31	$-526,341
Net investment gain or loss from common/collective trusts	2022-12-31	$4,247
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	$298,009
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2022-12-31	$600,775
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	BDO USA P.C.
Accountancy firm EIN	2022-12-31	135381590
2021 : RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY 2021 401k financial data
Total unrealized appreciation/depreciation of assets	2021-12-31	$0
Total transfer of assets to this plan	2021-12-31	$0
Total transfer of assets from this plan	2021-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-12-31	$0
Total income from all sources (including contributions)	2021-12-31	$1,062,802
Total loss/gain on sale of assets	2021-12-31	$0
Total of all expenses incurred	2021-12-31	$196,657
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2021-12-31	$160,211
Expenses. Certain deemed distributions of participant loans	2021-12-31	$301
Value of total corrective distributions	2021-12-31	$16,700
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2021-12-31	$733,076
Value of total assets at end of year	2021-12-31	$2,792,163
Value of total assets at beginning of year	2021-12-31	$1,926,018
Total of administrative expenses incurred including professional, contract, advisory and management fees	2021-12-31	$19,445
Total interest from all sources	2021-12-31	$2,443
Total dividends received (eg from common stock, registered investment company shares)	2021-12-31	$217,507
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2021-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2021-12-31	$217,507
Was this plan covered by a fidelity bond	2021-12-31	Yes
Value of fidelity bond cover	2021-12-31	$193,000
If this is an individual account plan, was there a blackout period	2021-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2021-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2021-12-31	No
Contributions received from participants	2021-12-31	$679,448
Participant contributions at end of year	2021-12-31	$22,866
Participant contributions at beginning of year	2021-12-31	$35,432
Income. Received or receivable in cash from other sources (including rollovers)	2021-12-31	$2,211
Administrative expenses (other) incurred	2021-12-31	$19,445
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-12-31	No
Value of net income/loss	2021-12-31	$866,145
Value of net assets at end of year (total assets less liabilities)	2021-12-31	$2,792,163
Value of net assets at beginning of year (total assets less liabilities)	2021-12-31	$1,926,018
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2021-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2021-12-31	No
Were any leases to which the plan was party in default or uncollectible	2021-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2021-12-31	$2,689,990
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2021-12-31	$1,816,336
Interest on participant loans	2021-12-31	$2,443
Value of interest in common/collective trusts at end of year	2021-12-31	$79,307
Value of interest in common/collective trusts at beginning of year	2021-12-31	$74,250
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2021-12-31	$108,698
Net investment gain or loss from common/collective trusts	2021-12-31	$1,078
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2021-12-31	No
Was there a failure to transmit to the plan any participant contributions	2021-12-31	No
Has the plan failed to provide any benefit when due under the plan	2021-12-31	No
Contributions received in cash from employer	2021-12-31	$51,417
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2021-12-31	$160,211
Did the plan have assets held for investment	2021-12-31	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	2021-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2021-12-31	No
Opinion of an independent qualified public accountant for this plan	2021-12-31	Unqualified
Accountancy firm name	2021-12-31	BDO USA LLP
Accountancy firm EIN	2021-12-31	135381590
2020 : RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY 2020 401k financial data
Total unrealized appreciation/depreciation of assets	2020-12-31	$0
Total transfer of assets to this plan	2020-12-31	$0
Total transfer of assets from this plan	2020-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$0
Total income from all sources (including contributions)	2020-12-31	$965,580
Total loss/gain on sale of assets	2020-12-31	$0
Total of all expenses incurred	2020-12-31	$448,283
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2020-12-31	$433,689
Expenses. Certain deemed distributions of participant loans	2020-12-31	$281
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2020-12-31	$696,186
Value of total assets at end of year	2020-12-31	$1,926,018
Value of total assets at beginning of year	2020-12-31	$1,408,721
Total of administrative expenses incurred including professional, contract, advisory and management fees	2020-12-31	$14,313
Total interest from all sources	2020-12-31	$3,038
Total dividends received (eg from common stock, registered investment company shares)	2020-12-31	$44,731
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2020-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2020-12-31	$44,731
Was this plan covered by a fidelity bond	2020-12-31	Yes
Value of fidelity bond cover	2020-12-31	$141,000
If this is an individual account plan, was there a blackout period	2020-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2020-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2020-12-31	No
Contributions received from participants	2020-12-31	$618,799
Participant contributions at end of year	2020-12-31	$35,432
Participant contributions at beginning of year	2020-12-31	$45,598
Income. Received or receivable in cash from other sources (including rollovers)	2020-12-31	$20,089
Administrative expenses (other) incurred	2020-12-31	$14,313
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2020-12-31	No
Value of net income/loss	2020-12-31	$517,297
Value of net assets at end of year (total assets less liabilities)	2020-12-31	$1,926,018
Value of net assets at beginning of year (total assets less liabilities)	2020-12-31	$1,408,721
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2020-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2020-12-31	No
Were any leases to which the plan was party in default or uncollectible	2020-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2020-12-31	$1,816,336
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2020-12-31	$1,329,781
Interest on participant loans	2020-12-31	$3,038
Value of interest in common/collective trusts at end of year	2020-12-31	$74,250
Value of interest in common/collective trusts at beginning of year	2020-12-31	$33,342
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2020-12-31	$220,487
Net investment gain or loss from common/collective trusts	2020-12-31	$1,138
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2020-12-31	No
Was there a failure to transmit to the plan any participant contributions	2020-12-31	No
Has the plan failed to provide any benefit when due under the plan	2020-12-31	No
Contributions received in cash from employer	2020-12-31	$57,298
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2020-12-31	$433,689
Did the plan have assets held for investment	2020-12-31	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	2020-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2020-12-31	No
Opinion of an independent qualified public accountant for this plan	2020-12-31	Unqualified
Accountancy firm name	2020-12-31	BDO USA LLP
Accountancy firm EIN	2020-12-31	135381590
2019 : RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY 2019 401k financial data
Total unrealized appreciation/depreciation of assets	2019-12-31	$0
Total transfer of assets to this plan	2019-12-31	$0
Total transfer of assets from this plan	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	$907,539
Total loss/gain on sale of assets	2019-12-31	$0
Total of all expenses incurred	2019-12-31	$77,606
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$65,480
Expenses. Certain deemed distributions of participant loans	2019-12-31	$3,870
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$723,305
Value of total assets at end of year	2019-12-31	$1,408,721
Value of total assets at beginning of year	2019-12-31	$578,788
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-12-31	$8,256
Total interest from all sources	2019-12-31	$3,154
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$33,635
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2019-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2019-12-31	$33,635
Was this plan covered by a fidelity bond	2019-12-31	Yes
Value of fidelity bond cover	2019-12-31	$58,000
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	$428,258
Participant contributions at end of year	2019-12-31	$45,598
Participant contributions at beginning of year	2019-12-31	$26,681
Income. Received or receivable in cash from other sources (including rollovers)	2019-12-31	$295,047
Administrative expenses (other) incurred	2019-12-31	$8,256
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	$829,933
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$1,408,721
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$578,788
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 registered invesment companies (eg mutual funds) at end of year	2019-12-31	$1,329,781
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2019-12-31	$540,747
Interest on participant loans	2019-12-31	$3,154
Value of interest in common/collective trusts at end of year	2019-12-31	$33,342
Value of interest in common/collective trusts at beginning of year	2019-12-31	$11,360
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2019-12-31	$146,874
Net investment gain or loss from common/collective trusts	2019-12-31	$571
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
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-12-31	$65,480
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	BDO USA LLP
Accountancy firm EIN	2019-12-31	135381590
2018 : RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY 2018 401k financial data
Total unrealized appreciation/depreciation of assets	2018-12-31	$0
Total transfer of assets to this plan	2018-12-31	$0
Total transfer of assets from this plan	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	$332,186
Total loss/gain on sale of assets	2018-12-31	$0
Total of all expenses incurred	2018-12-31	$114,751
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2018-12-31	$110,005
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2018-12-31	$361,990
Value of total assets at end of year	2018-12-31	$578,788
Value of total assets at beginning of year	2018-12-31	$361,353
Total of administrative expenses incurred including professional, contract, advisory and management fees	2018-12-31	$4,746
Total interest from all sources	2018-12-31	$1,412
Total dividends received (eg from common stock, registered investment company shares)	2018-12-31	$17,528
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2018-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2018-12-31	$17,528
Was this plan covered by a fidelity bond	2018-12-31	Yes
Value of fidelity bond cover	2018-12-31	$37,000
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	$361,990
Participant contributions at end of year	2018-12-31	$26,681
Participant contributions at beginning of year	2018-12-31	$17,000
Administrative expenses (other) incurred	2018-12-31	$4,746
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	$217,435
Value of net assets at end of year (total assets less liabilities)	2018-12-31	$578,788
Value of net assets at beginning of year (total assets less liabilities)	2018-12-31	$361,353
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 registered invesment companies (eg mutual funds) at end of year	2018-12-31	$540,747
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2018-12-31	$342,956
Interest on participant loans	2018-12-31	$1,412
Value of interest in common/collective trusts at end of year	2018-12-31	$11,360
Value of interest in common/collective trusts at beginning of year	2018-12-31	$1,397
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2018-12-31	$-48,871
Net investment gain or loss from common/collective trusts	2018-12-31	$127
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2018-12-31	No
Was there a failure to transmit to the plan any participant contributions	2018-12-31	No
Has the plan failed to provide any benefit when due under the plan	2018-12-31	No
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2018-12-31	$110,005
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	BDO USA LLP
Accountancy firm EIN	2018-12-31	135381590

Form 5500 Responses for RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY

2023: RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY 2023 form 5500 responses
2023-01-01	Type of plan entity	Single employer plan
2023-01-01	Submission has been amended	No
2023-01-01	This submission is the final filing	Yes
2023-01-01	This return/report is a short plan year return/report (less than 12 months)	Yes
2023-01-01	Plan is a collectively bargained plan	No
2023-01-01	Plan funding arrangement – Trust	Yes
2023-01-01	Plan benefit arrangement - Trust	Yes
2022: RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY 2022 form 5500 responses
2022-01-01	Type of plan entity	Single employer plan
2022-01-01	Submission has been amended	No
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 – Trust	Yes
2022-01-01	Plan benefit arrangement - Trust	Yes
2021: RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY 2021 form 5500 responses
2021-01-01	Type of plan entity	Single employer plan
2021-01-01	Submission has been amended	No
2021-01-01	This submission is the final filing	No
2021-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2021-01-01	Plan is a collectively bargained plan	No
2021-01-01	Plan funding arrangement – Trust	Yes
2021-01-01	Plan benefit arrangement - Trust	Yes
2020: RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY 2020 form 5500 responses
2020-01-01	Type of plan entity	Single employer plan
2020-01-01	Submission has been amended	No
2020-01-01	This submission is the final filing	No
2020-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2020-01-01	Plan is a collectively bargained plan	No
2020-01-01	Plan funding arrangement – Trust	Yes
2020-01-01	Plan benefit arrangement - Trust	Yes
2019: RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY 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 – Trust	Yes
2019-01-01	Plan benefit arrangement - Trust	Yes
2018: RETAIL CAPITAL, LLC 401(K)PROFIT SHARING PLAN DBA CREDIBLY 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 – Trust	Yes
2018-01-01	Plan benefit arrangement - Trust	Yes

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Company Name:	RETAIL CAPITAL, LLC
Employer identification number (EIN):	273509621
NAIC Classification:	522298
NAIC Description:	All Other Nondepository Credit Intermediation

Jurisdiction of Incorporation:	New York Department of State
Incorporation Date:	2010-09-21
Company Identification Number:	3997908
Legal Registered Office Address:	25200 TELEGRAPH RD., SUITE 350 SOUTHFIELD United States of America (USA) 48033