401k Plan data: R & L - 4B 401(K) PLAN AND TRUST plan

R & L - 4B 401(K) PLAN AND TRUST 401k Plan overview

Plan Name	R & L - 4B 401(K) PLAN AND TRUST
Plan identification number	002

R & L - 4B 401(K) PLAN AND 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.

401k Sponsoring company profile

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

Company Name: R & L FOODS, INC.

Employer identification number (EIN): 742272730

NAIC Classification: 722511
NAIC Description: Full-Service Restaurants

Additional information about R & L FOODS, INC.

Jurisdiction of Incorporation: Ohio Secretary of State Business Services Division

Incorporation Date: 1997-12-30

Company Identification Number: CP3701

Legal Registered Office Address: 4010 LANGE RD
-
ST HENRY
United States of America (USA)
45883

More information about R & L FOODS, INC.

Form 5500 Filing Information

Submission information for form 5500 for 401k plan R & L - 4B 401(K) PLAN AND TRUST

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
002 2015-01-01 RICHARD BREAKIE
002 2015-01-01 RICHARD BREAKIE
002 2014-01-01 RICHARD BREAKIE
002 2013-01-01 JEANETTE GIL
002 2012-01-01 JEANETTE GIL
002 2011-01-01 JEANETTE GIL
002 2010-01-01 JANET AVANTS
002 2009-01-01 JANET AVANTS

Plan id#	Filing Submission Date	Name of Administrator
002	2015-01-01	RICHARD BREAKIE
002	2015-01-01	RICHARD BREAKIE
002	2014-01-01	RICHARD BREAKIE
002	2013-01-01	JEANETTE GIL
002	2012-01-01	JEANETTE GIL
002	2011-01-01	JEANETTE GIL
002	2010-01-01	JANET AVANTS
002	2009-01-01	JANET AVANTS

Plan Statistics for R & L - 4B 401(K) PLAN AND TRUST

401k plan membership statisitcs for R & L - 4B 401(K) PLAN AND TRUST

Measure Date Value
2015: R & L - 4B 401(K) PLAN AND TRUST 2015 401k membership
Total participants, beginning-of-year 2015-01-01 359
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 0
Total of all active and inactive participants 2015-01-01 0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 0
Total participants 2015-01-01 0
Number of participants with account balances 2015-01-01 0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 0
2014: R & L - 4B 401(K) PLAN AND TRUST 2014 401k membership
Total participants, beginning-of-year 2014-01-01 648
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 291
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 68
Total of all active and inactive participants 2014-01-01 359
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 359
Number of participants with account balances 2014-01-01 177
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 1
2013: R & L - 4B 401(K) PLAN AND TRUST 2013 401k membership
Total participants, beginning-of-year 2013-01-01 507
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 582
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 66
Total of all active and inactive participants 2013-01-01 648
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 0
Total participants 2013-01-01 648
Number of participants with account balances 2013-01-01 181
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 0
2012: R & L - 4B 401(K) PLAN AND TRUST 2012 401k membership
Total participants, beginning-of-year 2012-01-01 538
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 434
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 73
Total of all active and inactive participants 2012-01-01 507
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 0
Total participants 2012-01-01 507
Number of participants with account balances 2012-01-01 187
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 2
2011: R & L - 4B 401(K) PLAN AND TRUST 2011 401k membership
Total participants, beginning-of-year 2011-01-01 954
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 411
Number of retired or separated participants receiving benefits 2011-01-01 0
Number of other retired or separated participants entitled to future benefits 2011-01-01 127
Total of all active and inactive participants 2011-01-01 538
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 0
Total participants 2011-01-01 538
Number of participants with account balances 2011-01-01 261
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 7
2010: R & L - 4B 401(K) PLAN AND TRUST 2010 401k membership
Total participants, beginning-of-year 2010-01-01 850
Total number of active participants reported on line 7a of the Form 5500 2010-01-01 526
Number of retired or separated participants receiving benefits 2010-01-01 0
Number of other retired or separated participants entitled to future benefits 2010-01-01 127
Total of all active and inactive participants 2010-01-01 653
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2010-01-01 0
Total participants 2010-01-01 653
Number of participants with account balances 2010-01-01 303
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2010-01-01 16
2009: R & L - 4B 401(K) PLAN AND TRUST 2009 401k membership
Total participants, beginning-of-year 2009-01-01 1,108
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 789
Number of retired or separated participants receiving benefits 2009-01-01 0
Number of other retired or separated participants entitled to future benefits 2009-01-01 152
Total of all active and inactive participants 2009-01-01 941
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-01-01 0
Total participants 2009-01-01 941
Number of participants with account balances 2009-01-01 332
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 7

Measure	Date	Value
2015: R & L - 4B 401(K) PLAN AND TRUST 2015 401k membership
Total participants, beginning-of-year	2015-01-01	359
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	0
Total of all active and inactive participants	2015-01-01	0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	0
Total participants	2015-01-01	0
Number of participants with account balances	2015-01-01	0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	0
2014: R & L - 4B 401(K) PLAN AND TRUST 2014 401k membership
Total participants, beginning-of-year	2014-01-01	648
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	291
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	68
Total of all active and inactive participants	2014-01-01	359
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	359
Number of participants with account balances	2014-01-01	177
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	1
2013: R & L - 4B 401(K) PLAN AND TRUST 2013 401k membership
Total participants, beginning-of-year	2013-01-01	507
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	582
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	66
Total of all active and inactive participants	2013-01-01	648
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	0
Total participants	2013-01-01	648
Number of participants with account balances	2013-01-01	181
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	0
2012: R & L - 4B 401(K) PLAN AND TRUST 2012 401k membership
Total participants, beginning-of-year	2012-01-01	538
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	434
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	73
Total of all active and inactive participants	2012-01-01	507
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	0
Total participants	2012-01-01	507
Number of participants with account balances	2012-01-01	187
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	2
2011: R & L - 4B 401(K) PLAN AND TRUST 2011 401k membership
Total participants, beginning-of-year	2011-01-01	954
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	411
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	127
Total of all active and inactive participants	2011-01-01	538
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	0
Total participants	2011-01-01	538
Number of participants with account balances	2011-01-01	261
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	7
2010: R & L - 4B 401(K) PLAN AND TRUST 2010 401k membership
Total participants, beginning-of-year	2010-01-01	850
Total number of active participants reported on line 7a of the Form 5500	2010-01-01	526
Number of retired or separated participants receiving benefits	2010-01-01	0
Number of other retired or separated participants entitled to future benefits	2010-01-01	127
Total of all active and inactive participants	2010-01-01	653
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2010-01-01	0
Total participants	2010-01-01	653
Number of participants with account balances	2010-01-01	303
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2010-01-01	16
2009: R & L - 4B 401(K) PLAN AND TRUST 2009 401k membership
Total participants, beginning-of-year	2009-01-01	1,108
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	789
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	152
Total of all active and inactive participants	2009-01-01	941
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-01-01	0
Total participants	2009-01-01	941
Number of participants with account balances	2009-01-01	332
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	7

Financial Data on R & L - 4B 401(K) PLAN AND TRUST

Measure	Date	Value
2015 : R & L - 4B 401(K) PLAN AND TRUST 2015 401k financial data
Total unrealized appreciation/depreciation of assets	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	$177,804
Total loss/gain on sale of assets	2015-12-31	$0
Total of all expenses incurred	2015-12-31	$3,640,189
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$3,625,504
Expenses. Certain deemed distributions of participant loans	2015-12-31	$44
Value of total corrective distributions	2015-12-31	$9,237
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$32,035
Value of total assets at end of year	2015-12-31	$0
Value of total assets at beginning of year	2015-12-31	$3,462,385
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$5,404
Total interest from all sources	2015-12-31	$906
Total dividends received (eg from common stock, registered investment company shares)	2015-12-31	$0
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
Was this plan covered by a fidelity bond	2015-12-31	Yes
Value of fidelity bond cover	2015-12-31	$375,000
If this is an individual account plan, was there a blackout period	2015-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2015-12-31	No
Contributions received from participants	2015-12-31	$26,416
Participant contributions at beginning of year	2015-12-31	$59,370
Other income not declared elsewhere	2015-12-31	$-213
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	$-3,462,385
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$0
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$3,462,385
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 pooled separate accounts at beginning of year	2015-12-31	$3,327,284
Interest on participant loans	2015-12-31	$882
Interest earned on other investments	2015-12-31	$24
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2015-12-31	$0
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2015-12-31	$29,094
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2015-12-31	$29,094
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2015-12-31	$46,637
Net investment gain/loss from pooled separate accounts	2015-12-31	$145,076
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
Contributions received in cash from employer	2015-12-31	$5,619
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$3,625,504
Contract administrator fees	2015-12-31	$5,404
Did the plan have assets held for investment	2015-12-31	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	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	TSAKOPULOS, BROWN, SCHOTT & ANCHORS
Accountancy firm EIN	2015-12-31	742587209
2014 : R & L - 4B 401(K) PLAN AND TRUST 2014 401k financial data
Total unrealized appreciation/depreciation of assets	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	$317,962
Total loss/gain on sale of assets	2014-12-31	$0
Total of all expenses incurred	2014-12-31	$181,800
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$152,229
Value of total corrective distributions	2014-12-31	$5,057
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$185,348
Value of total assets at end of year	2014-12-31	$3,462,385
Value of total assets at beginning of year	2014-12-31	$3,326,223
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$24,514
Total interest from all sources	2014-12-31	$2,556
Total dividends received (eg from common stock, registered investment company shares)	2014-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-31	No
Was this plan covered by a fidelity bond	2014-12-31	Yes
Value of fidelity bond cover	2014-12-31	$375,000
If this is an individual account plan, was there a blackout period	2014-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2014-12-31	No
Contributions received from participants	2014-12-31	$131,588
Participant contributions at end of year	2014-12-31	$59,370
Participant contributions at beginning of year	2014-12-31	$36,081
Income. Received or receivable in cash from other sources (including rollovers)	2014-12-31	$25,548
Administrative expenses (other) incurred	2014-12-31	$600
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	$136,162
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$3,462,385
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$3,326,223
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 pooled separate accounts at end of year	2014-12-31	$3,327,284
Value of interest in pooled separate accounts at beginning of year	2014-12-31	$3,215,477
Interest on participant loans	2014-12-31	$2,492
Interest earned on other investments	2014-12-31	$64
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2014-12-31	$29,094
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2014-12-31	$28,014
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2014-12-31	$28,014
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2014-12-31	$46,637
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2014-12-31	$46,651
Net investment gain/loss from pooled separate accounts	2014-12-31	$130,058
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	Yes
Has the plan failed to provide any benefit when due under the plan	2014-12-31	No
Contributions received in cash from employer	2014-12-31	$28,212
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$152,229
Contract administrator fees	2014-12-31	$23,914
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	TSAKOPULOS, BROWN, SCHOTT & ANCHORS
Accountancy firm EIN	2014-12-31	742587209
2013 : R & L - 4B 401(K) PLAN AND TRUST 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	$827,410
Total loss/gain on sale of assets	2013-12-31	$0
Total of all expenses incurred	2013-12-31	$107,742
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$73,239
Value of total corrective distributions	2013-12-31	$3,021
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$288,311
Value of total assets at end of year	2013-12-31	$3,326,223
Value of total assets at beginning of year	2013-12-31	$2,606,555
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$31,482
Total interest from all sources	2013-12-31	$1,742
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$260,000
If this is an individual account plan, was there a blackout period	2013-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2013-12-31	No
Contributions received from participants	2013-12-31	$139,524
Participant contributions at end of year	2013-12-31	$36,081
Participant contributions at beginning of year	2013-12-31	$27,261
Participant contributions at beginning of year	2013-12-31	$1,571
Income. Received or receivable in cash from other sources (including rollovers)	2013-12-31	$121,033
Administrative expenses (other) incurred	2013-12-31	$301
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	$719,668
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$3,326,223
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$2,606,555
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 pooled separate accounts at end of year	2013-12-31	$3,215,477
Value of interest in pooled separate accounts at beginning of year	2013-12-31	$2,471,380
Interest on participant loans	2013-12-31	$1,531
Interest earned on other investments	2013-12-31	$211
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2013-12-31	$28,014
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2013-12-31	$26,778
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2013-12-31	$26,778
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2013-12-31	$46,651
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2013-12-31	$79,014
Net investment gain/loss from pooled separate accounts	2013-12-31	$537,357
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	Yes
Has the plan failed to provide any benefit when due under the plan	2013-12-31	No
Contributions received in cash from employer	2013-12-31	$27,754
Employer contributions (assets) at beginning of year	2013-12-31	$551
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$73,239
Contract administrator fees	2013-12-31	$31,181
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	TSAKOPULOS, BROWN, SCHOTT & ANCHORS
Accountancy firm EIN	2013-12-31	742587209
2012 : R & L - 4B 401(K) PLAN AND TRUST 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	$833,862
Total loss/gain on sale of assets	2012-12-31	$0
Total of all expenses incurred	2012-12-31	$383,206
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$358,139
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$531,148
Value of total assets at end of year	2012-12-31	$2,606,555
Value of total assets at beginning of year	2012-12-31	$2,155,899
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$25,067
Total interest from all sources	2012-12-31	$2,745
Total dividends received (eg from common stock, registered investment company shares)	2012-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-12-31	No
Was this plan covered by a fidelity bond	2012-12-31	Yes
Value of fidelity bond cover	2012-12-31	$250,000
If this is an individual account plan, was there a blackout period	2012-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2012-12-31	No
Contributions received from participants	2012-12-31	$119,127
Participant contributions at end of year	2012-12-31	$27,261
Participant contributions at beginning of year	2012-12-31	$59,098
Participant contributions at end of year	2012-12-31	$1,571
Income. Received or receivable in cash from other sources (including rollovers)	2012-12-31	$390,793
Administrative expenses (other) incurred	2012-12-31	$100
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	$450,656
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$2,606,555
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$2,155,899
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 pooled separate accounts at end of year	2012-12-31	$2,471,380
Value of interest in pooled separate accounts at beginning of year	2012-12-31	$1,995,891
Interest on participant loans	2012-12-31	$2,430
Interest earned on other investments	2012-12-31	$315
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2012-12-31	$26,778
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2012-12-31	$25,418
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2012-12-31	$25,418
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2012-12-31	$79,014
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2012-12-31	$75,492
Net investment gain/loss from pooled separate accounts	2012-12-31	$299,969
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	Yes
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	$21,228
Employer contributions (assets) at end of year	2012-12-31	$551
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$358,139
Contract administrator fees	2012-12-31	$24,967
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	TSAKOPULOS, BROWN, SCHOTT & ANCHORS
Accountancy firm EIN	2012-12-31	742587209
2011 : R & L - 4B 401(K) PLAN AND TRUST 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	$24,939
Total loss/gain on sale of assets	2011-12-31	$0
Total of all expenses incurred	2011-12-31	$526,558
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$501,311
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$88,726
Value of total assets at end of year	2011-12-31	$2,155,899
Value of total assets at beginning of year	2011-12-31	$2,657,518
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$25,247
Total interest from all sources	2011-12-31	$3,966
Total dividends received (eg from common stock, registered investment company shares)	2011-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-12-31	No
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$250,000
If this is an individual account plan, was there a blackout period	2011-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2011-12-31	No
Contributions received from participants	2011-12-31	$72,235
Participant contributions at end of year	2011-12-31	$59,098
Participant contributions at beginning of year	2011-12-31	$74,906
Administrative expenses (other) incurred	2011-12-31	$300
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	$-501,619
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$2,155,899
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$2,657,518
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 pooled separate accounts at end of year	2011-12-31	$1,995,891
Value of interest in pooled separate accounts at beginning of year	2011-12-31	$2,429,543
Interest on participant loans	2011-12-31	$3,151
Interest earned on other investments	2011-12-31	$815
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2011-12-31	$25,418
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2011-12-31	$27,855
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2011-12-31	$27,855
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2011-12-31	$75,492
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2011-12-31	$125,214
Net investment gain/loss from pooled separate accounts	2011-12-31	$-67,753
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	Yes
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	$16,491
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$501,311
Contract administrator fees	2011-12-31	$24,947
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	TSAKOPULOS, BROWN, SCHOTT & ANCHORS
Accountancy firm EIN	2011-12-31	742587209
2010 : R & L - 4B 401(K) PLAN AND TRUST 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	$583,876
Total loss/gain on sale of assets	2010-12-31	$0
Total of all expenses incurred	2010-12-31	$412,417
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2010-12-31	$384,110
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2010-12-31	$268,124
Value of total assets at end of year	2010-12-31	$2,657,518
Value of total assets at beginning of year	2010-12-31	$2,486,059
Total of administrative expenses incurred including professional, contract, advisory and management fees	2010-12-31	$28,307
Total interest from all sources	2010-12-31	$6,215
Total dividends received (eg from common stock, registered investment company shares)	2010-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2010-12-31	No
Was this plan covered by a fidelity bond	2010-12-31	Yes
Value of fidelity bond cover	2010-12-31	$250,000
If this is an individual account plan, was there a blackout period	2010-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2010-12-31	No
Contributions received from participants	2010-12-31	$223,022
Participant contributions at end of year	2010-12-31	$74,906
Participant contributions at beginning of year	2010-12-31	$67,764
Income. Received or receivable in cash from other sources (including rollovers)	2010-12-31	$2,248
Administrative expenses (other) incurred	2010-12-31	$805
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	$171,459
Value of net assets at end of year (total assets less liabilities)	2010-12-31	$2,657,518
Value of net assets at beginning of year (total assets less liabilities)	2010-12-31	$2,486,059
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 pooled separate accounts at end of year	2010-12-31	$2,429,543
Value of interest in pooled separate accounts at beginning of year	2010-12-31	$2,273,139
Interest on participant loans	2010-12-31	$4,171
Interest earned on other investments	2010-12-31	$2,044
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2010-12-31	$27,855
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2010-12-31	$35,013
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2010-12-31	$35,013
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2010-12-31	$125,214
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2010-12-31	$110,143
Net investment gain/loss from pooled separate accounts	2010-12-31	$309,537
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	Yes
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	$42,854
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2010-12-31	$384,110
Contract administrator fees	2010-12-31	$27,502
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	Disclaimer
Accountancy firm name	2010-12-31	TSAKOPULOS, BROWN, SCHOTT & ANCHORS
Accountancy firm EIN	2010-12-31	742587209

Form 5500 Responses for R & L - 4B 401(K) PLAN AND TRUST

2015: R & L - 4B 401(K) PLAN AND TRUST 2015 form 5500 responses
2015-01-01	Type of plan entity	Single employer plan
2015-01-01	Submission has been amended	Yes
2015-01-01	This submission is the final filing	Yes
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 – Insurance	Yes
2015-01-01	Plan funding arrangement – Trust	Yes
2015-01-01	Plan benefit arrangement – Insurance	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes
2014: R & L - 4B 401(K) PLAN AND TRUST 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 – Insurance	Yes
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement – Insurance	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: R & L - 4B 401(K) PLAN AND TRUST 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 – Insurance	Yes
2013-01-01	Plan funding arrangement – Trust	Yes
2013-01-01	Plan benefit arrangement – Insurance	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes
2012: R & L - 4B 401(K) PLAN AND TRUST 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 – Insurance	Yes
2012-01-01	Plan funding arrangement – Trust	Yes
2012-01-01	Plan benefit arrangement – Insurance	Yes
2012-01-01	Plan benefit arrangement - Trust	Yes
2011: R & L - 4B 401(K) PLAN AND TRUST 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 – Insurance	Yes
2011-01-01	Plan funding arrangement – Trust	Yes
2011-01-01	Plan benefit arrangement – Insurance	Yes
2011-01-01	Plan benefit arrangement - Trust	Yes
2010: R & L - 4B 401(K) PLAN AND TRUST 2010 form 5500 responses
2010-01-01	Type of plan entity	Single employer plan
2010-01-01	Submission has been amended	No
2010-01-01	This submission is the final filing	No
2010-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2010-01-01	Plan is a collectively bargained plan	No
2010-01-01	Plan funding arrangement – Insurance	Yes
2010-01-01	Plan funding arrangement – Trust	Yes
2010-01-01	Plan benefit arrangement – Insurance	Yes
2010-01-01	Plan benefit arrangement - Trust	Yes
2009: R & L - 4B 401(K) PLAN AND TRUST 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 – Insurance	Yes
2009-01-01	Plan funding arrangement – Trust	Yes
2009-01-01	Plan benefit arrangement – Insurance	Yes
2009-01-01	Plan benefit arrangement - Trust	Yes

Insurance Providers Used on plan

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (National Association of Insurance Commissioners NAIC id number: 65838 )

Policy contract number

61017

Policy instance

Insurance contract or identification number	61017
Number of Individuals Covered	0
Insurance policy start date	2015-01-01
Insurance policy end date	2015-12-31
Total amount of commissions paid to insurance broker	USD $4,239
Total amount of fees paid to insurance company	USD $3,081
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Commission paid to Insurance Broker	USD $4,239
Amount paid for insurance broker fees	81
Additional information about fees paid to insurance broker	OTHER ALLOWANCES
Insurance broker organization code?	6
Insurance broker name	RETIREMENT HORIZONS, INC.

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (National Association of Insurance Commissioners NAIC id number: 65838 )

Policy contract number

61017

Policy instance

Insurance contract or identification number	61017
Number of Individuals Covered	182
Insurance policy start date	2014-01-01
Insurance policy end date	2014-12-31
Total amount of commissions paid to insurance broker	USD $10,707
Total amount of fees paid to insurance company	USD $108
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Commission paid to Insurance Broker	USD $10,107
Amount paid for insurance broker fees	108
Additional information about fees paid to insurance broker	OTHER ALLOWANCES
Insurance broker organization code?	6
Insurance broker name	RETIREMENT HORIZONS, INC.

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (National Association of Insurance Commissioners NAIC id number: 65838 )

Policy contract number

61017

Policy instance

Insurance contract or identification number	61017
Number of Individuals Covered	186
Insurance policy start date	2013-01-01
Insurance policy end date	2013-12-31
Total amount of commissions paid to insurance broker	USD $9,332
Total amount of fees paid to insurance company	USD $411
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Commission paid to Insurance Broker	USD $9,332
Amount paid for insurance broker fees	110
Additional information about fees paid to insurance broker	OTHER ALLOWANCES
Insurance broker organization code?	6
Insurance broker name	FIDELITY MANAGEMENT & RESEARCH COMP

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (National Association of Insurance Commissioners NAIC id number: 65838 )

Policy contract number

61017

Policy instance

Insurance contract or identification number	61017
Number of Individuals Covered	192
Insurance policy start date	2012-01-01
Insurance policy end date	2012-12-31
Total amount of commissions paid to insurance broker	USD $6,907
Total amount of fees paid to insurance company	USD $303
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Commission paid to Insurance Broker	USD $6,907
Amount paid for insurance broker fees	113
Additional information about fees paid to insurance broker	OTHER ALLOWANCES
Insurance broker organization code?	6
Insurance broker name	RETIREMENT HORIZONS, INC.

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (National Association of Insurance Commissioners NAIC id number: 65838 )

Policy contract number

61017

Policy instance

Insurance contract or identification number	61017
Insurance policy start date	2011-01-01
Insurance policy end date	2011-12-31
Total amount of commissions paid to insurance broker	USD $6,848
Total amount of fees paid to insurance company	USD $1,602
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (National Association of Insurance Commissioners NAIC id number: 65838 )

Policy contract number

61017

Policy instance

Insurance contract or identification number	61017
Number of Individuals Covered	301
Insurance policy start date	2010-01-01
Insurance policy end date	2010-12-31
Total amount of commissions paid to insurance broker	USD $9,366
Total amount of fees paid to insurance company	USD $2,082
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No

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The information provided on this website is not advice, endorsement or recommendation
The information published is supplied by third parties so we make no warranty on the accuracy, completeness etc. This information is provided "as-is". The information is subject to change as we obtain updates and corrections from the primary information sources.
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See full terms and conditions

Company Name:	R & L FOODS, INC.
Employer identification number (EIN):	742272730
NAIC Classification:	722511
NAIC Description:	Full-Service Restaurants

Jurisdiction of Incorporation:	Ohio Secretary of State Business Services Division
Incorporation Date:	1997-12-30
Company Identification Number:	CP3701
Legal Registered Office Address:	4010 LANGE RD - ST HENRY United States of America (USA) 45883