401k Plan data: 403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC. plan

403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC. 401k Plan overview

Plan Name	403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC.
Plan identification number	002

403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC. 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.
Code section 403(b)(1) arrangement - See Limited Pension Plan Reporting instructions for Code section 403(b)(1) arrangements for certain exempt organizations.
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

CENTRAL TEXAS OPPORTUNITIES, INC. has sponsored the creation of one or more 401k plans.

Company Name: CENTRAL TEXAS OPPORTUNITIES, INC.

Employer identification number (EIN): 751230663

NAIC Classification: 624100
NAIC Description: Individual and Family Services

Additional information about CENTRAL TEXAS OPPORTUNITIES, INC.

Jurisdiction of Incorporation: Texas Secretary of State

Incorporation Date: 1965-05-05

Company Identification Number: 0021332801

Legal Registered Office Address: 114 NEEDHAM ST

COLEMAN
United States of America (USA)
76834

More information about CENTRAL TEXAS OPPORTUNITIES, INC.

Form 5500 Filing Information

Submission information for form 5500 for 401k plan 403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC.

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
002 2022-01-01 BRANDY CROWDER 2023-08-21
002 2021-01-01 BRANDY CROWDER 2022-10-12
002 2020-01-01 BRANDY CROWDER 2021-06-30
002 2019-01-01 BRANDY CROWDER 2020-07-24
002 2018-01-01 BRANDY CROWDER 2019-04-03
002 2018-01-01 BRANDY CROWDER 2019-04-02
002 2017-01-01 BRANDY CROWDER 2018-04-11
002 2016-05-01 BRANDY CROWDER 2017-10-16 BRANDY CROWDER 2017-10-16
002 2015-05-01 BRANDY CROWDER 2017-10-13 BRANDY CROWDER 2017-10-13
002 2014-05-01 BRANDY CROWDER BRANDY CROWDER 2015-09-14
002 2013-05-01
002 2012-05-01 JAMES WILLIAMSON
002 2011-05-01 PAULETTE RATTO PAULETTE RATTO 2013-02-15
002 2009-05-01 PAULETTE TONGATE
002 2009-05-01 PAULETTE TONGATE
002 2009-05-01 PAULETTE TONGATE

Plan id#	Filing Submission Date	Name of Administrator	Date Administrator Signed	Name of Company Sponsor	Date Sponsor Signed
002	2022-01-01	BRANDY CROWDER	2023-08-21
002	2021-01-01	BRANDY CROWDER	2022-10-12
002	2020-01-01	BRANDY CROWDER	2021-06-30
002	2019-01-01	BRANDY CROWDER	2020-07-24
002	2018-01-01	BRANDY CROWDER	2019-04-03
002	2018-01-01	BRANDY CROWDER	2019-04-02
002	2017-01-01	BRANDY CROWDER	2018-04-11
002	2016-05-01	BRANDY CROWDER	2017-10-16	BRANDY CROWDER	2017-10-16
002	2015-05-01	BRANDY CROWDER	2017-10-13	BRANDY CROWDER	2017-10-13
002	2014-05-01	BRANDY CROWDER		BRANDY CROWDER	2015-09-14
002	2013-05-01
002	2012-05-01	JAMES WILLIAMSON
002	2011-05-01	PAULETTE RATTO		PAULETTE RATTO	2013-02-15
002	2009-05-01	PAULETTE TONGATE
002	2009-05-01	PAULETTE TONGATE
002	2009-05-01	PAULETTE TONGATE

Plan Statistics for 403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC.

401k plan membership statisitcs for 403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC.

Measure Date Value
2014: 403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC. 2014 401k membership
Total participants, beginning-of-year 2014-05-01 154
Total number of active participants reported on line 7a of the Form 5500 2014-05-01 33
Number of retired or separated participants receiving benefits 2014-05-01 0
Number of other retired or separated participants entitled to future benefits 2014-05-01 41
Total of all active and inactive participants 2014-05-01 74
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-05-01 0
Total participants 2014-05-01 74
Number of participants with account balances 2014-05-01 74
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-05-01 76
2013: 403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC. 2013 401k membership
Total participants, beginning-of-year 2013-05-01 154
Total number of active participants reported on line 7a of the Form 5500 2013-05-01 117
Number of retired or separated participants receiving benefits 2013-05-01 0
Number of other retired or separated participants entitled to future benefits 2013-05-01 37
Total of all active and inactive participants 2013-05-01 154
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-05-01 0
Total participants 2013-05-01 154
Number of participants with account balances 2013-05-01 154
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-05-01 0
2012: 403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC. 2012 401k membership
Total participants, beginning-of-year 2012-05-01 154
Total number of active participants reported on line 7a of the Form 5500 2012-05-01 121
Number of other retired or separated participants entitled to future benefits 2012-05-01 33
Total of all active and inactive participants 2012-05-01 154
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-05-01 0
Total participants 2012-05-01 154
Number of participants with account balances 2012-05-01 154
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-05-01 0
2011: 403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC. 2011 401k membership
Total participants, beginning-of-year 2011-05-01 146
Total number of active participants reported on line 7a of the Form 5500 2011-05-01 132
Number of retired or separated participants receiving benefits 2011-05-01 0
Number of other retired or separated participants entitled to future benefits 2011-05-01 22
Total of all active and inactive participants 2011-05-01 154
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-05-01 0
Total participants 2011-05-01 154
Number of participants with account balances 2011-05-01 154
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-05-01 0
2009: 403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC. 2009 401k membership
Total participants, beginning-of-year 2009-05-01 146
Total number of active participants reported on line 7a of the Form 5500 2009-05-01 131
Number of retired or separated participants receiving benefits 2009-05-01 0
Number of other retired or separated participants entitled to future benefits 2009-05-01 15
Total of all active and inactive participants 2009-05-01 146
Total participants 2009-05-01 146

Measure	Date	Value
2014: 403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC. 2014 401k membership
Total participants, beginning-of-year	2014-05-01	154
Total number of active participants reported on line 7a of the Form 5500	2014-05-01	33
Number of retired or separated participants receiving benefits	2014-05-01	0
Number of other retired or separated participants entitled to future benefits	2014-05-01	41
Total of all active and inactive participants	2014-05-01	74
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-05-01	0
Total participants	2014-05-01	74
Number of participants with account balances	2014-05-01	74
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-05-01	76
2013: 403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC. 2013 401k membership
Total participants, beginning-of-year	2013-05-01	154
Total number of active participants reported on line 7a of the Form 5500	2013-05-01	117
Number of retired or separated participants receiving benefits	2013-05-01	0
Number of other retired or separated participants entitled to future benefits	2013-05-01	37
Total of all active and inactive participants	2013-05-01	154
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-05-01	0
Total participants	2013-05-01	154
Number of participants with account balances	2013-05-01	154
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-05-01	0
2012: 403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC. 2012 401k membership
Total participants, beginning-of-year	2012-05-01	154
Total number of active participants reported on line 7a of the Form 5500	2012-05-01	121
Number of other retired or separated participants entitled to future benefits	2012-05-01	33
Total of all active and inactive participants	2012-05-01	154
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-05-01	0
Total participants	2012-05-01	154
Number of participants with account balances	2012-05-01	154
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-05-01	0
2011: 403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC. 2011 401k membership
Total participants, beginning-of-year	2011-05-01	146
Total number of active participants reported on line 7a of the Form 5500	2011-05-01	132
Number of retired or separated participants receiving benefits	2011-05-01	0
Number of other retired or separated participants entitled to future benefits	2011-05-01	22
Total of all active and inactive participants	2011-05-01	154
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-05-01	0
Total participants	2011-05-01	154
Number of participants with account balances	2011-05-01	154
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-05-01	0
2009: 403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC. 2009 401k membership
Total participants, beginning-of-year	2009-05-01	146
Total number of active participants reported on line 7a of the Form 5500	2009-05-01	131
Number of retired or separated participants receiving benefits	2009-05-01	0
Number of other retired or separated participants entitled to future benefits	2009-05-01	15
Total of all active and inactive participants	2009-05-01	146
Total participants	2009-05-01	146

Financial Data on 403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC.

Measure	Date	Value
2015 : 403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC. 2015 401k financial data
Total unrealized appreciation/depreciation of assets	2015-04-30	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-04-30	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-04-30	$0
Total income from all sources (including contributions)	2015-04-30	$55,016
Total loss/gain on sale of assets	2015-04-30	$0
Total of all expenses incurred	2015-04-30	$379,387
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-04-30	$379,387
Expenses. Certain deemed distributions of participant loans	2015-04-30	$0
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-04-30	$28,061
Value of total assets at end of year	2015-04-30	$289,224
Value of total assets at beginning of year	2015-04-30	$613,595
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-04-30	$0
Total interest from all sources	2015-04-30	$1,288
Total dividends received (eg from common stock, registered investment company shares)	2015-04-30	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2015-04-30	No
Was this plan covered by a fidelity bond	2015-04-30	No
If this is an individual account plan, was there a blackout period	2015-04-30	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2015-04-30	$0
Were there any nonexempt tranactions with any party-in-interest	2015-04-30	No
Contributions received from participants	2015-04-30	$8,701
Income. Received or receivable in cash from other sources (including rollovers)	2015-04-30	$0
Other income not declared elsewhere	2015-04-30	$0
Administrative expenses (other) incurred	2015-04-30	$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	2015-04-30	No
Value of net income/loss	2015-04-30	$-324,371
Value of net assets at end of year (total assets less liabilities)	2015-04-30	$289,224
Value of net assets at beginning of year (total assets less liabilities)	2015-04-30	$613,595
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2015-04-30	No
Were any loans by the plan or fixed income obligations due to the plan in default	2015-04-30	No
Were any leases to which the plan was party in default or uncollectible	2015-04-30	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2015-04-30	$209,646
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2015-04-30	$406,648
Interest on participant loans	2015-04-30	$0
Interest earned on other investments	2015-04-30	$1,288
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2015-04-30	$79,578
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2015-04-30	$206,947
Expenses. Payments to insurance carriers foe the provision of benefits	2015-04-30	$0
Net investment gain/loss from pooled separate accounts	2015-04-30	$25,667
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2015-04-30	No
Was there a failure to transmit to the plan any participant contributions	2015-04-30	Yes
Has the plan failed to provide any benefit when due under the plan	2015-04-30	No
Contributions received in cash from employer	2015-04-30	$19,360
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-04-30	$379,387
Did the plan have assets held for investment	2015-04-30	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	2015-04-30	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2015-04-30	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2015-04-30	Yes
Opinion of an independent qualified public accountant for this plan	2015-04-30	Disclaimer
Accountancy firm name	2015-04-30	WEST, DAVIS & COMPANY, LLP
Accountancy firm EIN	2015-04-30	742638320
2014 : 403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC. 2014 401k financial data
Total income from all sources (including contributions)	2014-04-30	$160,379
Total of all expenses incurred	2014-04-30	$110,815
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-04-30	$110,815
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-04-30	$111,852
Value of total assets at end of year	2014-04-30	$626,238
Value of total assets at beginning of year	2014-04-30	$576,674
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-04-30	No
Was this plan covered by a fidelity bond	2014-04-30	Yes
Value of fidelity bond cover	2014-04-30	$50,000
If this is an individual account plan, was there a blackout period	2014-04-30	No
Were there any nonexempt tranactions with any party-in-interest	2014-04-30	No
Contributions received from participants	2014-04-30	$19,551
Participant contributions at end of year	2014-04-30	$1,477
Participant contributions at beginning of year	2014-04-30	$2,178
Other income not declared elsewhere	2014-04-30	$1,926
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-04-30	No
Value of net income/loss	2014-04-30	$49,564
Value of net assets at end of year (total assets less liabilities)	2014-04-30	$626,238
Value of net assets at beginning of year (total assets less liabilities)	2014-04-30	$576,674
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-04-30	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-04-30	No
Were any leases to which the plan was party in default or uncollectible	2014-04-30	No
Value of interest in pooled separate accounts at end of year	2014-04-30	$406,648
Value of interest in pooled separate accounts at beginning of year	2014-04-30	$401,311
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2014-04-30	$206,947
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2014-04-30	$164,095
Net investment gain/loss from pooled separate accounts	2014-04-30	$46,601
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-04-30	No
Was there a failure to transmit to the plan any participant contributions	2014-04-30	No
Has the plan failed to provide any benefit when due under the plan	2014-04-30	No
Contributions received in cash from employer	2014-04-30	$92,301
Employer contributions (assets) at end of year	2014-04-30	$11,166
Employer contributions (assets) at beginning of year	2014-04-30	$9,090
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-04-30	$110,815
Did the plan have assets held for investment	2014-04-30	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	2014-04-30	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2014-04-30	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2014-04-30	Yes
Opinion of an independent qualified public accountant for this plan	2014-04-30	Disclaimer
Accountancy firm name	2014-04-30	MARTINEZ, ROSARIO & COMPANY, LLP
Accountancy firm EIN	2014-04-30	113682861
2013 : 403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC. 2013 401k financial data
Total income from all sources (including contributions)	2013-04-30	$162,714
Total of all expenses incurred	2013-04-30	$140,451
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-04-30	$140,451
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-04-30	$124,047
Value of total assets at end of year	2013-04-30	$576,674
Value of total assets at beginning of year	2013-04-30	$554,411
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-04-30	No
Was this plan covered by a fidelity bond	2013-04-30	Yes
Value of fidelity bond cover	2013-04-30	$50,000
If this is an individual account plan, was there a blackout period	2013-04-30	No
Were there any nonexempt tranactions with any party-in-interest	2013-04-30	No
Contributions received from participants	2013-04-30	$25,803
Participant contributions at end of year	2013-04-30	$2,178
Participant contributions at beginning of year	2013-04-30	$2,573
Other income not declared elsewhere	2013-04-30	$2,248
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-04-30	No
Value of net income/loss	2013-04-30	$22,263
Value of net assets at end of year (total assets less liabilities)	2013-04-30	$576,674
Value of net assets at beginning of year (total assets less liabilities)	2013-04-30	$554,411
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-04-30	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-04-30	No
Were any leases to which the plan was party in default or uncollectible	2013-04-30	No
Value of interest in pooled separate accounts at end of year	2013-04-30	$401,311
Value of interest in pooled separate accounts at beginning of year	2013-04-30	$395,907
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2013-04-30	$164,095
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2013-04-30	$146,851
Net investment gain/loss from pooled separate accounts	2013-04-30	$36,419
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-04-30	No
Was there a failure to transmit to the plan any participant contributions	2013-04-30	No
Has the plan failed to provide any benefit when due under the plan	2013-04-30	No
Contributions received in cash from employer	2013-04-30	$98,244
Employer contributions (assets) at end of year	2013-04-30	$9,090
Employer contributions (assets) at beginning of year	2013-04-30	$9,080
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-04-30	$140,451
Did the plan have assets held for investment	2013-04-30	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	2013-04-30	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2013-04-30	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2013-04-30	Yes
Opinion of an independent qualified public accountant for this plan	2013-04-30	Disclaimer
Accountancy firm name	2013-04-30	MARTINEZ, ROSARIO & COMPANY, LLP
Accountancy firm EIN	2013-04-30	113682861
2012 : 403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC. 2012 401k financial data
Total unrealized appreciation/depreciation of assets	2012-04-30	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-04-30	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-04-30	$0
Total income from all sources (including contributions)	2012-04-30	$124,952
Total loss/gain on sale of assets	2012-04-30	$0
Total of all expenses incurred	2012-04-30	$95,974
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-04-30	$95,974
Expenses. Certain deemed distributions of participant loans	2012-04-30	$0
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-04-30	$116,625
Value of total assets at end of year	2012-04-30	$542,758
Value of total assets at beginning of year	2012-04-30	$513,780
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-04-30	$0
Total interest from all sources	2012-04-30	$2,467
Total dividends received (eg from common stock, registered investment company shares)	2012-04-30	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-04-30	No
Was this plan covered by a fidelity bond	2012-04-30	Yes
Value of fidelity bond cover	2012-04-30	$50,000
If this is an individual account plan, was there a blackout period	2012-04-30	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2012-04-30	$0
Were there any nonexempt tranactions with any party-in-interest	2012-04-30	No
Contributions received from participants	2012-04-30	$22,858
Income. Received or receivable in cash from other sources (including rollovers)	2012-04-30	$0
Other income not declared elsewhere	2012-04-30	$0
Administrative expenses (other) incurred	2012-04-30	$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	2012-04-30	No
Value of net income/loss	2012-04-30	$28,978
Value of net assets at end of year (total assets less liabilities)	2012-04-30	$542,758
Value of net assets at beginning of year (total assets less liabilities)	2012-04-30	$513,780
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2012-04-30	No
Were any loans by the plan or fixed income obligations due to the plan in default	2012-04-30	No
Were any leases to which the plan was party in default or uncollectible	2012-04-30	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2012-04-30	$395,907
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2012-04-30	$392,680
Interest on participant loans	2012-04-30	$0
Interest earned on other investments	2012-04-30	$2,467
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2012-04-30	$146,851
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2012-04-30	$121,100
Expenses. Payments to insurance carriers foe the provision of benefits	2012-04-30	$0
Net investment gain/loss from pooled separate accounts	2012-04-30	$5,860
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2012-04-30	No
Was there a failure to transmit to the plan any participant contributions	2012-04-30	No
Has the plan failed to provide any benefit when due under the plan	2012-04-30	No
Contributions received in cash from employer	2012-04-30	$93,767
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-04-30	$95,974
Did the plan have assets held for investment	2012-04-30	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	2012-04-30	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2012-04-30	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2012-04-30	Yes
Opinion of an independent qualified public accountant for this plan	2012-04-30	Disclaimer
Accountancy firm name	2012-04-30	WELDON STARK, CPA
Accountancy firm EIN	2012-04-30	751588463
2011 : 403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC. 2011 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2011-04-30	$0
Total unrealized appreciation/depreciation of assets	2011-04-30	$0
Total income from all sources (including contributions)	2011-04-30	$175,872
Total loss/gain on sale of assets	2011-04-30	$0
Total of all expenses incurred	2011-04-30	$78,184
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-04-30	$78,184
Expenses. Certain deemed distributions of participant loans	2011-04-30	$0
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-04-30	$128,256
Value of total assets at end of year	2011-04-30	$513,780
Value of total assets at beginning of year	2011-04-30	$416,092
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-04-30	$0
Total interest from all sources	2011-04-30	$2,709
Total dividends received (eg from common stock, registered investment company shares)	2011-04-30	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-04-30	No
Total dividends received from registered investment company shares (eg mutual funds)	2011-04-30	$0
Was this plan covered by a fidelity bond	2011-04-30	Yes
Value of fidelity bond cover	2011-04-30	$50,000
If this is an individual account plan, was there a blackout period	2011-04-30	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2011-04-30	$0
Were there any nonexempt tranactions with any party-in-interest	2011-04-30	No
Contributions received from participants	2011-04-30	$28,903
Income. Received or receivable in cash from other sources (including rollovers)	2011-04-30	$1,316
Other income not declared elsewhere	2011-04-30	$0
Administrative expenses (other) incurred	2011-04-30	$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	2011-04-30	No
Value of net income/loss	2011-04-30	$97,688
Value of net assets at end of year (total assets less liabilities)	2011-04-30	$513,780
Value of net assets at beginning of year (total assets less liabilities)	2011-04-30	$416,092
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2011-04-30	No
Were any loans by the plan or fixed income obligations due to the plan in default	2011-04-30	No
Were any leases to which the plan was party in default or uncollectible	2011-04-30	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2011-04-30	$392,680
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2011-04-30	$317,999
Interest on participant loans	2011-04-30	$0
Interest earned on other investments	2011-04-30	$2,709
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2011-04-30	$121,100
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2011-04-30	$98,093
Expenses. Payments to insurance carriers foe the provision of benefits	2011-04-30	$0
Net investment gain/loss from pooled separate accounts	2011-04-30	$44,907
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2011-04-30	No
Was there a failure to transmit to the plan any participant contributions	2011-04-30	No
Has the plan failed to provide any benefit when due under the plan	2011-04-30	No
Contributions received in cash from employer	2011-04-30	$98,037
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-04-30	$78,184
Did the plan have assets held for investment	2011-04-30	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	2011-04-30	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2011-04-30	No
Aggregate carrying amount (costs) on sale of assets	2011-04-30	$0
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2011-04-30	Yes
Opinion of an independent qualified public accountant for this plan	2011-04-30	Disclaimer
Accountancy firm name	2011-04-30	WELDON STARK, CPA
Accountancy firm EIN	2011-04-30	751588463
2010 : 403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC. 2010 401k financial data
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2010-04-30	$0

Form 5500 Responses for 403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC.

2014: 403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC. 2014 form 5500 responses
2014-05-01	Type of plan entity	Single employer plan
2014-05-01	Submission has been amended	No
2014-05-01	This submission is the final filing	No
2014-05-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-05-01	Plan is a collectively bargained plan	No
2014-05-01	Plan funding arrangement – Insurance	Yes
2014-05-01	Plan benefit arrangement – Insurance	Yes
2013: 403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC. 2013 form 5500 responses
2013-05-01	Type of plan entity	Single employer plan
2013-05-01	Plan funding arrangement – Insurance	Yes
2013-05-01	Plan benefit arrangement – Insurance	Yes
2012: 403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC. 2012 form 5500 responses
2012-05-01	Type of plan entity	Single employer plan
2012-05-01	Plan funding arrangement – Insurance	Yes
2012-05-01	Plan benefit arrangement – Insurance	Yes
2011: 403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC. 2011 form 5500 responses
2011-05-01	Type of plan entity	Single employer plan
2011-05-01	Submission has been amended	No
2011-05-01	This submission is the final filing	No
2011-05-01	This return/report is a short plan year return/report (less than 12 months)	No
2011-05-01	Plan is a collectively bargained plan	No
2011-05-01	Plan funding arrangement – Insurance	Yes
2011-05-01	Plan benefit arrangement – Insurance	Yes
2009: 403(B) THRIFT PLAN OF CENTRAL TEXAS OPPORTUNITIES, INC. 2009 form 5500 responses
2009-05-01	Type of plan entity	Single employer plan
2009-05-01	Submission has been amended	No
2009-05-01	This submission is the final filing	Yes
2009-05-01	This return/report is a short plan year return/report (less than 12 months)	No
2009-05-01	Plan is a collectively bargained plan	No
2009-05-01	Plan funding arrangement – Insurance	Yes
2009-05-01	Plan benefit arrangement – Insurance	Yes

Insurance Providers Used on plan

MUTUAL OF AMERICA LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 88668 )

Policy contract number

057190H

Policy instance

Insurance contract or identification number	057190H
Number of Individuals Covered	74
Insurance policy start date	2014-05-01
Insurance policy end date	2015-04-30
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $159
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	1
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?	No
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
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $0
Amount paid for insurance broker fees	159
Additional information about fees paid to insurance broker	PORTION OF INCENTIVE COMP. PROGRAM
Insurance broker organization code?	3
Insurance broker name	HOUSTON REGIONAL OFFICE

MUTUAL OF AMERICA LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 88668 )

Policy contract number

057190H

Policy instance

Insurance contract or identification number	057190H
Number of Individuals Covered	154
Insurance policy start date	2013-05-01
Insurance policy end date	2014-04-30
Total amount of fees paid to insurance company	USD $409
Contracts With Unallocated Funds Deposit Administration	1
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Amount paid for insurance broker fees	409
Additional information about fees paid to insurance broker	PORTION OF INCENTIVE COMPENSATION PROGRAM
Insurance broker organization code?	3
Insurance broker name	HOUSTON REGIONAL OFFICE

MUTUAL OF AMERICA LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 88668 )

Policy contract number

057190H

Policy instance

Insurance contract or identification number	057190H
Number of Individuals Covered	154
Insurance policy start date	2012-05-01
Insurance policy end date	2013-04-30
Total amount of fees paid to insurance company	USD $125
Contracts With Unallocated Funds Deposit Administration	1
Amount paid for insurance broker fees	51
Additional information about fees paid to insurance broker	PORTION OF INCENTIVE COMPENSATION PROGRAM
Insurance broker organization code?	3
Insurance broker name	TRACEY SMITH

MUTUAL OF AMERICA LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 88668 )

Policy contract number

057190H

Policy instance

Insurance contract or identification number	057190H
Number of Individuals Covered	154
Insurance policy start date	2011-05-01
Insurance policy end date	2012-04-30
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $264
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	1
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?	No
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
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No

MUTUAL OF AMERICA LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 88668 )

Policy contract number

057190H

Policy instance

Insurance contract or identification number	057190H
Number of Individuals Covered	146
Insurance policy start date	2010-05-01
Insurance policy end date	2011-04-30
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $383
Contracts With Unallocated Funds Deposit Administration	1
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No

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Company Name:	CENTRAL TEXAS OPPORTUNITIES, INC.
Employer identification number (EIN):	751230663
NAIC Classification:	624100
NAIC Description:	Individual and Family Services

Jurisdiction of Incorporation:	Texas Secretary of State
Incorporation Date:	1965-05-05
Company Identification Number:	0021332801
Legal Registered Office Address:	114 NEEDHAM ST COLEMAN United States of America (USA) 76834