401k Plan data: R & L MANAGEMENT CO., INC. 401(K) PLAN plan

R & L MANAGEMENT CO., INC. 401(K) PLAN 401k Plan overview

Plan Name	R & L MANAGEMENT CO., INC. 401(K) PLAN
Plan identification number	001

R & L MANAGEMENT CO., 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.

401k Sponsoring company profile

R & L MANAGEMENT CO., INC. has sponsored the creation of one or more 401k plans.

Company Name: R & L MANAGEMENT CO., INC.

Employer identification number (EIN): 363052368

NAIC Classification: 551111
NAIC Description: Offices of Bank Holding Companies

Form 5500 Filing Information

Submission information for form 5500 for 401k plan R & L MANAGEMENT CO., INC. 401(K) PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2016-01-01 LILI MCDONALD 2016-10-17
001 2015-01-01 LILI MCDONALD
001 2014-01-01 LILI MCDONALD
001 2013-01-01 LILI MCDONALD
001 2012-01-01 LILI MCDONALD
001 2011-01-01 LILI MCDONALD
001 2009-01-01 LILI MCDONALD

Plan id#	Filing Submission Date	Name of Administrator	Date Administrator Signed
001	2016-01-01	LILI MCDONALD	2016-10-17
001	2015-01-01	LILI MCDONALD
001	2014-01-01	LILI MCDONALD
001	2013-01-01	LILI MCDONALD
001	2012-01-01	LILI MCDONALD
001	2011-01-01	LILI MCDONALD
001	2009-01-01	LILI MCDONALD

Plan Statistics for R & L MANAGEMENT CO., INC. 401(K) PLAN

401k plan membership statisitcs for R & L MANAGEMENT CO., INC. 401(K) PLAN

Measure Date Value
2015: R & L MANAGEMENT CO., INC. 401(K) PLAN 2015 401k membership
Total participants, beginning-of-year 2015-01-01 195
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 0
Number of retired or separated participants receiving benefits 2015-01-01 0
Number of other retired or separated participants entitled to future benefits 2015-01-01 1
Total of all active and inactive participants 2015-01-01 1
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 0
Total participants 2015-01-01 1
Number of participants with account balances 2015-01-01 1
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 0
2014: R & L MANAGEMENT CO., INC. 401(K) PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 206
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 176
Number of retired or separated participants receiving benefits 2014-01-01 0
Number of other retired or separated participants entitled to future benefits 2014-01-01 17
Total of all active and inactive participants 2014-01-01 193
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 1
Total participants 2014-01-01 194
Number of participants with account balances 2014-01-01 69
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 0
2013: R & L MANAGEMENT CO., INC. 401(K) PLAN 2013 401k membership
Total participants, beginning-of-year 2013-01-01 175
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 179
Number of retired or separated participants receiving benefits 2013-01-01 0
Number of other retired or separated participants entitled to future benefits 2013-01-01 19
Total of all active and inactive participants 2013-01-01 198
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 1
Total participants 2013-01-01 199
Number of participants with account balances 2013-01-01 71
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 2
2012: R & L MANAGEMENT CO., INC. 401(K) PLAN 2012 401k membership
Total participants, beginning-of-year 2012-01-01 161
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 158
Number of retired or separated participants receiving benefits 2012-01-01 0
Number of other retired or separated participants entitled to future benefits 2012-01-01 16
Total of all active and inactive participants 2012-01-01 174
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 1
Total participants 2012-01-01 175
Number of participants with account balances 2012-01-01 71
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 0
2011: R & L MANAGEMENT CO., INC. 401(K) PLAN 2011 401k membership
Total participants, beginning-of-year 2011-01-01 155
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 142
Number of retired or separated participants receiving benefits 2011-01-01 0
Number of other retired or separated participants entitled to future benefits 2011-01-01 19
Total of all active and inactive participants 2011-01-01 161
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 0
Total participants 2011-01-01 161
Number of participants with account balances 2011-01-01 73
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 3
2009: R & L MANAGEMENT CO., INC. 401(K) PLAN 2009 401k membership
Total participants, beginning-of-year 2009-01-01 155
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 147
Number of retired or separated participants receiving benefits 2009-01-01 0
Number of other retired or separated participants entitled to future benefits 2009-01-01 14
Total of all active and inactive participants 2009-01-01 161
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-01-01 0
Total participants 2009-01-01 161
Number of participants with account balances 2009-01-01 75
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 1

Measure	Date	Value
2015: R & L MANAGEMENT CO., INC. 401(K) PLAN 2015 401k membership
Total participants, beginning-of-year	2015-01-01	195
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	0
Number of retired or separated participants receiving benefits	2015-01-01	0
Number of other retired or separated participants entitled to future benefits	2015-01-01	1
Total of all active and inactive participants	2015-01-01	1
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	0
Total participants	2015-01-01	1
Number of participants with account balances	2015-01-01	1
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	0
2014: R & L MANAGEMENT CO., INC. 401(K) PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	206
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	176
Number of retired or separated participants receiving benefits	2014-01-01	0
Number of other retired or separated participants entitled to future benefits	2014-01-01	17
Total of all active and inactive participants	2014-01-01	193
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	1
Total participants	2014-01-01	194
Number of participants with account balances	2014-01-01	69
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	0
2013: R & L MANAGEMENT CO., INC. 401(K) PLAN 2013 401k membership
Total participants, beginning-of-year	2013-01-01	175
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	179
Number of retired or separated participants receiving benefits	2013-01-01	0
Number of other retired or separated participants entitled to future benefits	2013-01-01	19
Total of all active and inactive participants	2013-01-01	198
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	1
Total participants	2013-01-01	199
Number of participants with account balances	2013-01-01	71
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	2
2012: R & L MANAGEMENT CO., INC. 401(K) PLAN 2012 401k membership
Total participants, beginning-of-year	2012-01-01	161
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	158
Number of retired or separated participants receiving benefits	2012-01-01	0
Number of other retired or separated participants entitled to future benefits	2012-01-01	16
Total of all active and inactive participants	2012-01-01	174
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	1
Total participants	2012-01-01	175
Number of participants with account balances	2012-01-01	71
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	0
2011: R & L MANAGEMENT CO., INC. 401(K) PLAN 2011 401k membership
Total participants, beginning-of-year	2011-01-01	155
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	142
Number of retired or separated participants receiving benefits	2011-01-01	0
Number of other retired or separated participants entitled to future benefits	2011-01-01	19
Total of all active and inactive participants	2011-01-01	161
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	0
Total participants	2011-01-01	161
Number of participants with account balances	2011-01-01	73
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	3
2009: R & L MANAGEMENT CO., INC. 401(K) PLAN 2009 401k membership
Total participants, beginning-of-year	2009-01-01	155
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	147
Number of retired or separated participants receiving benefits	2009-01-01	0
Number of other retired or separated participants entitled to future benefits	2009-01-01	14
Total of all active and inactive participants	2009-01-01	161
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-01-01	0
Total participants	2009-01-01	161
Number of participants with account balances	2009-01-01	75
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	1

Financial Data on R & L MANAGEMENT CO., INC. 401(K) PLAN

Measure	Date	Value
2015 : R & L MANAGEMENT CO., INC. 401(K) PLAN 2015 401k financial data
Total unrealized appreciation/depreciation of assets	2015-12-31	$0
Total transfer of assets to this plan	2015-12-31	$0
Total transfer of assets from this plan	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	$0
Total income from all sources (including contributions)	2015-12-31	$-52,360
Total loss/gain on sale of assets	2015-12-31	$0
Total of all expenses incurred	2015-12-31	$2,480,909
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$2,469,518
Value of total corrective distributions	2015-12-31	$11,341
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$0
Value of total assets at end of year	2015-12-31	$108
Value of total assets at beginning of year	2015-12-31	$2,533,377
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$50
Total interest from all sources	2015-12-31	$594
Total dividends received (eg from common stock, registered investment company shares)	2015-12-31	$1,155
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2015-12-31	Yes
Value of any plan assets that reverted to the employer resulting from resoluton to terminate the plan	2015-12-31	$0
Total dividends received from registered investment company shares (eg mutual funds)	2015-12-31	$1,155
Was this plan covered by a fidelity bond	2015-12-31	Yes
Value of fidelity bond cover	2015-12-31	$254,000
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
Participant contributions at beginning of year	2015-12-31	$81,099
Administrative expenses (other) incurred	2015-12-31	$50
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	$-2,533,269
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$108
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$2,533,377
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 registered invesment companies (eg mutual funds) at beginning of year	2015-12-31	$1,343,510
Interest on participant loans	2015-12-31	$594
Value of interest in common/collective trusts at beginning of year	2015-12-31	$1,064,536
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2015-12-31	$108
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2015-12-31	$44,232
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2015-12-31	$44,232
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2015-12-31	$-40,558
Net investment gain or loss from common/collective trusts	2015-12-31	$-13,551
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
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$2,469,518
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	PBM&A LTD.
Accountancy firm EIN	2015-12-31	364271897
2014 : R & L MANAGEMENT CO., INC. 401(K) PLAN 2014 401k financial data
Total unrealized appreciation/depreciation of assets	2014-12-31	$0
Total transfer of assets to this plan	2014-12-31	$0
Total transfer of assets from this plan	2014-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$0
Total income from all sources (including contributions)	2014-12-31	$271,153
Total loss/gain on sale of assets	2014-12-31	$0
Total of all expenses incurred	2014-12-31	$91,495
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$68,813
Value of total corrective distributions	2014-12-31	$20,640
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$124,750
Value of total assets at end of year	2014-12-31	$2,533,377
Value of total assets at beginning of year	2014-12-31	$2,353,719
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$2,042
Total interest from all sources	2014-12-31	$4,483
Total dividends received (eg from common stock, registered investment company shares)	2014-12-31	$133,399
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2014-12-31	$133,399
Was this plan covered by a fidelity bond	2014-12-31	Yes
Value of fidelity bond cover	2014-12-31	$236,000
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	$124,750
Participant contributions at end of year	2014-12-31	$81,099
Participant contributions at beginning of year	2014-12-31	$76,702
Administrative expenses (other) incurred	2014-12-31	$2,042
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	$179,658
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$2,533,377
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$2,353,719
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 registered invesment companies (eg mutual funds) at end of year	2014-12-31	$1,343,510
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2014-12-31	$1,266,061
Interest on participant loans	2014-12-31	$4,483
Value of interest in common/collective trusts at end of year	2014-12-31	$1,064,536
Value of interest in common/collective trusts at beginning of year	2014-12-31	$963,188
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2014-12-31	$44,232
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2014-12-31	$47,768
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2014-12-31	$47,768
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2014-12-31	$-87,288
Net investment gain or loss from common/collective trusts	2014-12-31	$95,809
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
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$68,813
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	PBM&A LTD.
Accountancy firm EIN	2014-12-31	364271897
2013 : R & L MANAGEMENT CO., 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	$0
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	$640,433
Total loss/gain on sale of assets	2013-12-31	$0
Total of all expenses incurred	2013-12-31	$71,247
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$37,461
Value of total corrective distributions	2013-12-31	$31,437
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$126,556
Value of total assets at end of year	2013-12-31	$2,353,719
Value of total assets at beginning of year	2013-12-31	$1,784,533
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$2,349
Total interest from all sources	2013-12-31	$2,991
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$110,306
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2013-12-31	$110,306
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$179,000
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	$126,556
Participant contributions at end of year	2013-12-31	$76,702
Participant contributions at beginning of year	2013-12-31	$52,242
Other income not declared elsewhere	2013-12-31	$10
Administrative expenses (other) incurred	2013-12-31	$2,349
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	$569,186
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$2,353,719
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$1,784,533
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	$1,266,061
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2013-12-31	$944,085
Interest on participant loans	2013-12-31	$2,991
Value of interest in common/collective trusts at end of year	2013-12-31	$963,188
Value of interest in common/collective trusts at beginning of year	2013-12-31	$743,842
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2013-12-31	$47,768
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2013-12-31	$44,364
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2013-12-31	$44,364
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2013-12-31	$177,678
Net investment gain or loss from common/collective trusts	2013-12-31	$222,892
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
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$37,461
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	PBM & A LTD.
Accountancy firm EIN	2013-12-31	364271897
2012 : R & L MANAGEMENT CO., INC. 401(K) PLAN 2012 401k financial data
Total unrealized appreciation/depreciation of assets	2012-12-31	$0
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	$400,701
Total loss/gain on sale of assets	2012-12-31	$0
Total of all expenses incurred	2012-12-31	$123,727
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$104,417
Value of total corrective distributions	2012-12-31	$17,131
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$158,569
Value of total assets at end of year	2012-12-31	$1,784,533
Value of total assets at beginning of year	2012-12-31	$1,507,559
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$2,179
Total interest from all sources	2012-12-31	$3,054
Total dividends received (eg from common stock, registered investment company shares)	2012-12-31	$15,738
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2012-12-31	$15,738
Was this plan covered by a fidelity bond	2012-12-31	Yes
Value of fidelity bond cover	2012-12-31	$151,000
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	$137,319
Participant contributions at end of year	2012-12-31	$52,242
Participant contributions at beginning of year	2012-12-31	$84,928
Administrative expenses (other) incurred	2012-12-31	$2,179
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	$276,974
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$1,784,533
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$1,507,559
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	$944,085
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2012-12-31	$757,961
Interest on participant loans	2012-12-31	$3,054
Value of interest in common/collective trusts at end of year	2012-12-31	$743,842
Value of interest in common/collective trusts at beginning of year	2012-12-31	$608,285
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2012-12-31	$44,364
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2012-12-31	$56,385
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2012-12-31	$56,385
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2012-12-31	$126,144
Net investment gain or loss from common/collective trusts	2012-12-31	$97,196
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	$21,250
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$104,417
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	PBM & A LTD.
Accountancy firm EIN	2012-12-31	364271897
2011 : R & L MANAGEMENT CO., INC. 401(K) PLAN 2011 401k financial data
Total unrealized appreciation/depreciation of assets	2011-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total income from all sources (including contributions)	2011-12-31	$95,647
Total loss/gain on sale of assets	2011-12-31	$0
Total of all expenses incurred	2011-12-31	$140,596
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$118,045
Value of total corrective distributions	2011-12-31	$19,351
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$164,816
Value of total assets at end of year	2011-12-31	$1,507,559
Value of total assets at beginning of year	2011-12-31	$1,552,508
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$3,200
Total interest from all sources	2011-12-31	$4,183
Total dividends received (eg from common stock, registered investment company shares)	2011-12-31	$10,640
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2011-12-31	$10,640
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$156,000
If this is an individual account plan, was there a blackout period	2011-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2011-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2011-12-31	No
Contributions received from participants	2011-12-31	$142,288
Participant contributions at end of year	2011-12-31	$84,928
Participant contributions at beginning of year	2011-12-31	$81,720
Other income not declared elsewhere	2011-12-31	$18
Administrative expenses (other) incurred	2011-12-31	$3,200
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Value of net income/loss	2011-12-31	$-44,949
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$1,507,559
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$1,552,508
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2011-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2011-12-31	No
Were any leases to which the plan was party in default or uncollectible	2011-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2011-12-31	$757,961
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2011-12-31	$807,314
Interest on participant loans	2011-12-31	$4,183
Value of interest in common/collective trusts at end of year	2011-12-31	$608,285
Value of interest in common/collective trusts at beginning of year	2011-12-31	$606,628
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2011-12-31	$56,385
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2011-12-31	$56,846
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2011-12-31	$56,846
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2011-12-31	$-79,487
Net investment gain or loss from common/collective trusts	2011-12-31	$-4,523
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2011-12-31	No
Was there a failure to transmit to the plan any participant contributions	2011-12-31	No
Has the plan failed to provide any benefit when due under the plan	2011-12-31	No
Contributions received in cash from employer	2011-12-31	$22,528
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$118,045
Did the plan have assets held for investment	2011-12-31	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	2011-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2011-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2011-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2011-12-31	Disclaimer
Accountancy firm name	2011-12-31	PBM&A LTD.
Accountancy firm EIN	2011-12-31	364271897
2010 : R & L MANAGEMENT CO., INC. 401(K) PLAN 2010 401k financial data
Total unrealized appreciation/depreciation of assets	2010-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total income from all sources (including contributions)	2010-12-31	$344,050
Total loss/gain on sale of assets	2010-12-31	$0
Total of all expenses incurred	2010-12-31	$132,612
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2010-12-31	$115,982
Value of total corrective distributions	2010-12-31	$13,280
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2010-12-31	$160,404
Value of total assets at end of year	2010-12-31	$1,552,508
Value of total assets at beginning of year	2010-12-31	$1,341,070
Total of administrative expenses incurred including professional, contract, advisory and management fees	2010-12-31	$3,350
Total interest from all sources	2010-12-31	$3,867
Total dividends received (eg from common stock, registered investment company shares)	2010-12-31	$7,686
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2010-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2010-12-31	$7,686
Was this plan covered by a fidelity bond	2010-12-31	Yes
Value of fidelity bond cover	2010-12-31	$135,000
If this is an individual account plan, was there a blackout period	2010-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2010-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2010-12-31	No
Contributions received from participants	2010-12-31	$136,987
Participant contributions at end of year	2010-12-31	$81,720
Participant contributions at beginning of year	2010-12-31	$69,802
Other income not declared elsewhere	2010-12-31	$527
Administrative expenses (other) incurred	2010-12-31	$3,350
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Value of net income/loss	2010-12-31	$211,438
Value of net assets at end of year (total assets less liabilities)	2010-12-31	$1,552,508
Value of net assets at beginning of year (total assets less liabilities)	2010-12-31	$1,341,070
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2010-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2010-12-31	No
Were any leases to which the plan was party in default or uncollectible	2010-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2010-12-31	$807,314
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2010-12-31	$734,212
Interest on participant loans	2010-12-31	$3,867
Value of interest in common/collective trusts at end of year	2010-12-31	$606,628
Value of interest in common/collective trusts at beginning of year	2010-12-31	$471,725
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2010-12-31	$56,846
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2010-12-31	$65,331
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2010-12-31	$65,331
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2010-12-31	$73,153
Net investment gain or loss from common/collective trusts	2010-12-31	$98,413
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2010-12-31	No
Was there a failure to transmit to the plan any participant contributions	2010-12-31	No
Has the plan failed to provide any benefit when due under the plan	2010-12-31	No
Contributions received in cash from employer	2010-12-31	$23,417
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2010-12-31	$115,982
Did the plan have assets held for investment	2010-12-31	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	2010-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2010-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2010-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2010-12-31	Unqualified
Accountancy firm name	2010-12-31	PBM&A LTD.
Accountancy firm EIN	2010-12-31	364271897
2009 : R & L MANAGEMENT CO., INC. 401(K) PLAN 2009 401k financial data
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2009-12-31	$0

Form 5500 Responses for R & L MANAGEMENT CO., INC. 401(K) PLAN

2015: R & L MANAGEMENT CO., 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 – Trust	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes
2014: R & L MANAGEMENT CO., 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 – Trust	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: R & L MANAGEMENT CO., 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 – Trust	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes
2012: R & L MANAGEMENT CO., INC. 401(K) PLAN 2012 form 5500 responses
2012-01-01	Type of plan entity	Single employer plan
2012-01-01	Submission has been amended	No
2012-01-01	This submission is the final filing	No
2012-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2012-01-01	Plan is a collectively bargained plan	No
2012-01-01	Plan funding arrangement – Trust	Yes
2012-01-01	Plan benefit arrangement - Trust	Yes
2011: R & L MANAGEMENT CO., INC. 401(K) PLAN 2011 form 5500 responses
2011-01-01	Type of plan entity	Single employer plan
2011-01-01	Submission has been amended	No
2011-01-01	This submission is the final filing	No
2011-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2011-01-01	Plan is a collectively bargained plan	No
2011-01-01	Plan funding arrangement – Trust	Yes
2011-01-01	Plan benefit arrangement - Trust	Yes
2009: R & L MANAGEMENT CO., INC. 401(K) PLAN 2009 form 5500 responses
2009-01-01	Type of plan entity	Single employer plan
2009-01-01	Submission has been amended	No
2009-01-01	This submission is the final filing	No
2009-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2009-01-01	Plan is a collectively bargained plan	No
2009-01-01	Plan funding arrangement – Trust	Yes
2009-01-01	Plan benefit arrangement - Trust	Yes

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Company Name:	R & L MANAGEMENT CO., INC.
Employer identification number (EIN):	363052368
NAIC Classification:	551111
NAIC Description:	Offices of Bank Holding Companies