401k Plan data: THE ECHO SYSTEM RETIREMENT TRUST plan

THE ECHO SYSTEM RETIREMENT TRUST 401k Plan overview

Plan Name	THE ECHO SYSTEM RETIREMENT TRUST
Plan identification number	001

THE ECHO SYSTEM RETIREMENT TRUST Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b), (c), or (m)).

401k Sponsoring company profile

4C INSIGHTS INS. has sponsored the creation of one or more 401k plans.

Company Name: 4C INSIGHTS INS.

Employer identification number (EIN): 451032037

NAIC Classification: 541600

Form 5500 Filing Information

Submission information for form 5500 for 401k plan THE ECHO SYSTEM RETIREMENT TRUST

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2021-01-01
001 2020-01-01
001 2019-01-01
001 2018-01-01
001 2017-01-01 SARAH WITEBSKY 2018-07-02
001 2016-01-01 DECIMAL ON BEHALF OF 4CINSIGHTS 2017-10-16
001 2015-01-01 MATTHEW TRUE 2016-08-02
001 2014-01-01 PLAN SPONSOR 2017-06-02
001 2013-01-01 MATTHEW TRUE 2014-07-24 MATTHEW TRUE 2014-07-24

Plan id#	Filing Submission Date	Name of Administrator	Date Administrator Signed	Name of Company Sponsor	Date Sponsor Signed
001	2021-01-01
001	2020-01-01
001	2019-01-01
001	2018-01-01
001	2017-01-01	SARAH WITEBSKY	2018-07-02
001	2016-01-01	DECIMAL ON BEHALF OF 4CINSIGHTS	2017-10-16
001	2015-01-01	MATTHEW TRUE	2016-08-02
001	2014-01-01	PLAN SPONSOR	2017-06-02
001	2013-01-01	MATTHEW TRUE	2014-07-24	MATTHEW TRUE	2014-07-24

Plan Statistics for THE ECHO SYSTEM RETIREMENT TRUST

401k plan membership statisitcs for THE ECHO SYSTEM RETIREMENT TRUST

Measure Date Value
2021: THE ECHO SYSTEM RETIREMENT TRUST 2021 401k membership
Total participants, beginning-of-year 2021-01-01 205
Total number of active participants reported on line 7a of the Form 5500 2021-01-01 0
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 0
Total of all active and inactive participants 2021-01-01 0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2021-01-01 0
Total participants 2021-01-01 0
Number of participants with account balances 2021-01-01 0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2021-01-01 0
2020: THE ECHO SYSTEM RETIREMENT TRUST 2020 401k membership
Total participants, beginning-of-year 2020-01-01 203
Total number of active participants reported on line 7a of the Form 5500 2020-01-01 138
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 67
Total of all active and inactive participants 2020-01-01 205
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2020-01-01 0
Total participants 2020-01-01 205
Number of participants with account balances 2020-01-01 194
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2020-01-01 0
2019: THE ECHO SYSTEM RETIREMENT TRUST 2019 401k membership
Total participants, beginning-of-year 2019-01-01 164
Total number of active participants reported on line 7a of the Form 5500 2019-01-01 155
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 53
Total of all active and inactive participants 2019-01-01 208
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2019-01-01 0
Total participants 2019-01-01 208
Number of participants with account balances 2019-01-01 176
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2019-01-01 0
2018: THE ECHO SYSTEM RETIREMENT TRUST 2018 401k membership
Total participants, beginning-of-year 2018-01-01 136
Total number of active participants reported on line 7a of the Form 5500 2018-01-01 150
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 30
Total of all active and inactive participants 2018-01-01 180
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2018-01-01 0
Total participants 2018-01-01 180
Number of participants with account balances 2018-01-01 102
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-01-01 0

Measure	Date	Value
2021: THE ECHO SYSTEM RETIREMENT TRUST 2021 401k membership
Total participants, beginning-of-year	2021-01-01	205
Total number of active participants reported on line 7a of the Form 5500	2021-01-01	0
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	0
Total of all active and inactive participants	2021-01-01	0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2021-01-01	0
Total participants	2021-01-01	0
Number of participants with account balances	2021-01-01	0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2021-01-01	0
2020: THE ECHO SYSTEM RETIREMENT TRUST 2020 401k membership
Total participants, beginning-of-year	2020-01-01	203
Total number of active participants reported on line 7a of the Form 5500	2020-01-01	138
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	67
Total of all active and inactive participants	2020-01-01	205
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2020-01-01	0
Total participants	2020-01-01	205
Number of participants with account balances	2020-01-01	194
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2020-01-01	0
2019: THE ECHO SYSTEM RETIREMENT TRUST 2019 401k membership
Total participants, beginning-of-year	2019-01-01	164
Total number of active participants reported on line 7a of the Form 5500	2019-01-01	155
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	53
Total of all active and inactive participants	2019-01-01	208
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2019-01-01	0
Total participants	2019-01-01	208
Number of participants with account balances	2019-01-01	176
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2019-01-01	0
2018: THE ECHO SYSTEM RETIREMENT TRUST 2018 401k membership
Total participants, beginning-of-year	2018-01-01	136
Total number of active participants reported on line 7a of the Form 5500	2018-01-01	150
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	30
Total of all active and inactive participants	2018-01-01	180
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2018-01-01	0
Total participants	2018-01-01	180
Number of participants with account balances	2018-01-01	102
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-01-01	0

Financial Data on THE ECHO SYSTEM RETIREMENT TRUST

Measure	Date	Value
2021 : THE ECHO SYSTEM RETIREMENT TRUST 2021 401k financial data
Total transfer of assets from this plan	2021-12-31	$7,940,863
Total income from all sources (including contributions)	2021-12-31	$1,773,168
Total of all expenses incurred	2021-12-31	$1,592,651
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2021-12-31	$1,576,756
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2021-12-31	$647,852
Value of total assets at end of year	2021-12-31	$0
Value of total assets at beginning of year	2021-12-31	$7,760,346
Total of administrative expenses incurred including professional, contract, advisory and management fees	2021-12-31	$15,895
Total interest from all sources	2021-12-31	$1,933
Total dividends received (eg from common stock, registered investment company shares)	2021-12-31	$419,091
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2021-12-31	Yes
Value of any plan assets that reverted to the employer resulting from resoluton to terminate the plan	2021-12-31	$0
Total dividends received from registered investment company shares (eg mutual funds)	2021-12-31	$419,091
Was this plan covered by a fidelity bond	2021-12-31	Yes
Value of fidelity bond cover	2021-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2021-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2021-12-31	No
Contributions received from participants	2021-12-31	$44,352
Participant contributions at end of year	2021-12-31	$0
Participant contributions at beginning of year	2021-12-31	$24,126
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	$180,517
Value of net assets at end of year (total assets less liabilities)	2021-12-31	$0
Value of net assets at beginning of year (total assets less liabilities)	2021-12-31	$7,760,346
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	$0
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2021-12-31	$7,539,922
Interest on participant loans	2021-12-31	$1,933
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2021-12-31	$0
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2021-12-31	$196,298
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2021-12-31	$196,298
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2021-12-31	$704,292
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	Yes
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	$603,500
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2021-12-31	$1,576,756
Contract administrator fees	2021-12-31	$15,895
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	Yes
Opinion of an independent qualified public accountant for this plan	2021-12-31	Unqualified
Accountancy firm name	2021-12-31	PLANTE & MORAN, PLLC
Accountancy firm EIN	2021-12-31	381357951
2020 : THE ECHO SYSTEM RETIREMENT TRUST 2020 401k financial data
Total income from all sources (including contributions)	2020-12-31	$2,793,835
Total of all expenses incurred	2020-12-31	$577,168
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2020-12-31	$563,223
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2020-12-31	$1,857,356
Value of total assets at end of year	2020-12-31	$7,760,346
Value of total assets at beginning of year	2020-12-31	$5,543,679
Total of administrative expenses incurred including professional, contract, advisory and management fees	2020-12-31	$13,945
Total interest from all sources	2020-12-31	$2,033
Total dividends received (eg from common stock, registered investment company shares)	2020-12-31	$337,340
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	$337,340
Was this plan covered by a fidelity bond	2020-12-31	No
If this is an individual account plan, was there a blackout period	2020-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2020-12-31	No
Contributions received from participants	2020-12-31	$1,246,734
Participant contributions at end of year	2020-12-31	$24,126
Participant contributions at beginning of year	2020-12-31	$23,400
Income. Received or receivable in cash from other sources (including rollovers)	2020-12-31	$23,477
Total non interest bearing cash at beginning of year	2020-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2020-12-31	No
Value of net income/loss	2020-12-31	$2,216,667
Value of net assets at end of year (total assets less liabilities)	2020-12-31	$7,760,346
Value of net assets at beginning of year (total assets less liabilities)	2020-12-31	$5,543,679
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	$7,539,922
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2020-12-31	$5,311,098
Interest on participant loans	2020-12-31	$2,033
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2020-12-31	$196,298
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2020-12-31	$209,181
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2020-12-31	$209,181
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2020-12-31	$597,106
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	$587,145
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2020-12-31	$563,223
Contract administrator fees	2020-12-31	$13,945
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	PLANTE & MORAN PLLC
Accountancy firm EIN	2020-12-31	381357951
2019 : THE ECHO SYSTEM RETIREMENT TRUST 2019 401k financial data
Total income from all sources (including contributions)	2019-12-31	$2,368,548
Total income from all sources (including contributions)	2019-12-31	$2,368,548
Total of all expenses incurred	2019-12-31	$229,277
Total of all expenses incurred	2019-12-31	$229,277
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$205,710
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$205,710
Expenses. Certain deemed distributions of participant loans	2019-12-31	$1,793
Expenses. Certain deemed distributions of participant loans	2019-12-31	$1,793
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$1,589,293
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$1,589,293
Value of total assets at end of year	2019-12-31	$5,543,679
Value of total assets at end of year	2019-12-31	$5,543,679
Value of total assets at beginning of year	2019-12-31	$3,404,408
Value of total assets at beginning of year	2019-12-31	$3,404,408
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-12-31	$21,774
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-12-31	$21,774
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$303,230
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$303,230
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2019-12-31	No
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	$303,230
Total dividends received from registered investment company shares (eg mutual funds)	2019-12-31	$303,230
Was this plan covered by a fidelity bond	2019-12-31	No
Was this plan covered by a fidelity bond	2019-12-31	No
If this is an individual account plan, was there a blackout period	2019-12-31	No
If this is an individual account plan, was there a blackout period	2019-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2019-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2019-12-31	No
Contributions received from participants	2019-12-31	$1,047,846
Contributions received from participants	2019-12-31	$1,047,846
Participant contributions at end of year	2019-12-31	$23,400
Participant contributions at end of year	2019-12-31	$23,400
Participant contributions at beginning of year	2019-12-31	$1,793
Participant contributions at beginning of year	2019-12-31	$1,793
Assets. Other investments not covered elsewhere at beginning of year	2019-12-31	$17,065
Assets. Other investments not covered elsewhere at beginning of year	2019-12-31	$17,065
Income. Received or receivable in cash from other sources (including rollovers)	2019-12-31	$52,041
Income. Received or receivable in cash from other sources (including rollovers)	2019-12-31	$52,041
Total non interest bearing cash at end of year	2019-12-31	$0
Total non interest bearing cash at end of year	2019-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
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	$2,139,271
Value of net income/loss	2019-12-31	$2,139,271
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$5,543,679
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$5,543,679
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$3,404,408
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$3,404,408
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2019-12-31	No
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 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
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	$5,311,098
Value of interest in registered invesment companies (eg mutual funds) at end of year	2019-12-31	$5,311,098
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2019-12-31	$3,253,947
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2019-12-31	$3,253,947
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2019-12-31	$209,181
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2019-12-31	$209,181
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2019-12-31	$131,603
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2019-12-31	$131,603
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2019-12-31	$131,603
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2019-12-31	$131,603
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2019-12-31	$476,025
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2019-12-31	$476,025
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2019-12-31	No
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	Yes
Was there a failure to transmit to the plan any participant contributions	2019-12-31	Yes
Has the plan failed to provide any benefit when due under the plan	2019-12-31	No
Has the plan failed to provide any benefit when due under the plan	2019-12-31	No
Contributions received in cash from employer	2019-12-31	$489,406
Contributions received in cash from employer	2019-12-31	$489,406
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-12-31	$205,710
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-12-31	$205,710
Contract administrator fees	2019-12-31	$21,774
Contract administrator fees	2019-12-31	$21,774
Did the plan have assets held for investment	2019-12-31	Yes
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
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
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	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2019-12-31	No
Opinion of an independent qualified public accountant for this plan	2019-12-31	Unqualified
Opinion of an independent qualified public accountant for this plan	2019-12-31	Unqualified
Accountancy firm name	2019-12-31	PLANTE & MORAN, PLLC
Accountancy firm name	2019-12-31	PLANTE & MORAN, PLLC
Accountancy firm EIN	2019-12-31	381357951
Accountancy firm EIN	2019-12-31	381357951
2018 : THE ECHO SYSTEM RETIREMENT TRUST 2018 401k financial data
Total income from all sources (including contributions)	2018-12-31	$1,048,876
Total of all expenses incurred	2018-12-31	$160,243
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2018-12-31	$151,884
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2018-12-31	$1,251,240
Value of total assets at end of year	2018-12-31	$3,404,408
Value of total assets at beginning of year	2018-12-31	$2,515,775
Total of administrative expenses incurred including professional, contract, advisory and management fees	2018-12-31	$8,359
Total interest from all sources	2018-12-31	$107
Total dividends received (eg from common stock, registered investment company shares)	2018-12-31	$204,829
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	$204,829
Was this plan covered by a fidelity bond	2018-12-31	Yes
Value of fidelity bond cover	2018-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2018-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2018-12-31	No
Contributions received from participants	2018-12-31	$819,713
Participant contributions at end of year	2018-12-31	$1,793
Participant contributions at beginning of year	2018-12-31	$1,700
Assets. Other investments not covered elsewhere at end of year	2018-12-31	$17,065
Income. Received or receivable in cash from other sources (including rollovers)	2018-12-31	$7,168
Other income not declared elsewhere	2018-12-31	$295
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	$888,633
Value of net assets at end of year (total assets less liabilities)	2018-12-31	$3,404,408
Value of net assets at beginning of year (total assets less liabilities)	2018-12-31	$2,515,775
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	$3,253,947
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2018-12-31	$2,392,170
Interest on participant loans	2018-12-31	$93
Interest earned on other investments	2018-12-31	$14
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2018-12-31	$131,603
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2018-12-31	$121,905
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2018-12-31	$121,905
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2018-12-31	$-407,595
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
Contributions received in cash from employer	2018-12-31	$424,359
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2018-12-31	$151,884
Contract administrator fees	2018-12-31	$8,359
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	No
Opinion of an independent qualified public accountant for this plan	2018-12-31	Unqualified
Accountancy firm name	2018-12-31	PLANTE & MORAN, PLLC
Accountancy firm EIN	2018-12-31	381357951

Form 5500 Responses for THE ECHO SYSTEM RETIREMENT TRUST

2021: THE ECHO SYSTEM RETIREMENT TRUST 2021 form 5500 responses
2021-01-01	Type of plan entity	Single employer plan
2021-01-01	This submission is the final filing	Yes
2021-01-01	Plan funding arrangement – Trust	Yes
2021-01-01	Plan benefit arrangement - Trust	Yes
2020: THE ECHO SYSTEM RETIREMENT TRUST 2020 form 5500 responses
2020-01-01	Type of plan entity	Single employer plan
2020-01-01	Plan funding arrangement – Trust	Yes
2020-01-01	Plan benefit arrangement - Trust	Yes
2019: THE ECHO SYSTEM RETIREMENT TRUST 2019 form 5500 responses
2019-01-01	Type of plan entity	Single employer plan
2019-01-01	Plan funding arrangement – Trust	Yes
2019-01-01	Plan benefit arrangement - Trust	Yes
2018: THE ECHO SYSTEM RETIREMENT TRUST 2018 form 5500 responses
2018-01-01	Type of plan entity	Single employer plan
2018-01-01	Plan funding arrangement – Trust	Yes
2018-01-01	Plan benefit arrangement - Trust	Yes

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Company Name:	4C INSIGHTS INS.
Employer identification number (EIN):	451032037
NAIC Classification:	541600