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403(B) THRIFT PLAN OF KA HALE A KE OLA HOMELESS RESOURCECENTERS, INC. 401k Plan overview

Plan Name403(B) THRIFT PLAN OF KA HALE A KE OLA HOMELESS RESOURCECENTERS, INC.
Plan identification number 001

403(B) THRIFT PLAN OF KA HALE A KE OLA HOMELESS RESOURCECENTERS, INC. Benefits

401k Plan TypeDefined 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

KA HALE A KE OLA HOMELESS RESOURCE CENTERS, INC. has sponsored the creation of one or more 401k plans.

Company Name:KA HALE A KE OLA HOMELESS RESOURCE CENTERS, INC.
Employer identification number (EIN):990301740
NAIC Classification:624100
NAIC Description: Individual and Family Services

Form 5500 Filing Information

Submission information for form 5500 for 401k plan 403(B) THRIFT PLAN OF KA HALE A KE OLA HOMELESS RESOURCECENTERS, INC.

Plan id# Filing Submission Date Name of Administrator Date Administrator SignedName of Company SponsorDate Sponsor Signed
0012022-01-01THANAID URALWONG2023-09-19
0012021-01-01THANAID URALWONG2022-06-22
0012020-01-01THANAID URALWONG2021-07-21
0012019-01-01THANAID URALWONG2020-07-27
0012018-01-01THANAID URALWONG2019-07-24
0012017-01-01THANAID URALWONG2018-07-19 THANAID URALWONG2018-07-19
0012016-01-01THANAID URALWONG2017-07-20 THANAID URALWONG2017-07-20
0012015-01-01THANAID URALWONG2016-07-21 THANAID URALWONG2016-07-21
0012014-01-01THANAID URALWONG THANAID URALWONG2015-06-16
0012013-01-01THANAID URALWONG THANAID URALWONG2014-10-14
0012012-01-01THANAID URALWONG THANAID URALWONG2013-09-19
0012011-01-01LILAH INABA
0012010-01-01LILAH INABA LILAH INABA2011-09-13

Plan Statistics for 403(B) THRIFT PLAN OF KA HALE A KE OLA HOMELESS RESOURCECENTERS, INC.

401k plan membership statisitcs for 403(B) THRIFT PLAN OF KA HALE A KE OLA HOMELESS RESOURCECENTERS, INC.

Measure Date Value
2014: 403(B) THRIFT PLAN OF KA HALE A KE OLA HOMELESS RESOURCECENTERS, INC. 2014 401k membership
Total participants, beginning-of-year2014-01-01101
Total number of active participants reported on line 7a of the Form 55002014-01-0156
Number of retired or separated participants receiving benefits2014-01-010
Number of other retired or separated participants entitled to future benefits2014-01-0134
Total of all active and inactive participants2014-01-0190
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits2014-01-012
Total participants2014-01-0192
Number of participants with account balances2014-01-0186
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested2014-01-0111
2013: 403(B) THRIFT PLAN OF KA HALE A KE OLA HOMELESS RESOURCECENTERS, INC. 2013 401k membership
Total participants, beginning-of-year2013-01-01116
Total number of active participants reported on line 7a of the Form 55002013-01-0198
Number of retired or separated participants receiving benefits2013-01-010
Number of other retired or separated participants entitled to future benefits2013-01-0126
Total of all active and inactive participants2013-01-01124
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits2013-01-012
Total participants2013-01-01126
Number of participants with account balances2013-01-0195
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested2013-01-0113
2012: 403(B) THRIFT PLAN OF KA HALE A KE OLA HOMELESS RESOURCECENTERS, INC. 2012 401k membership
Total participants, beginning-of-year2012-01-01111
Total number of active participants reported on line 7a of the Form 55002012-01-0187
Number of retired or separated participants receiving benefits2012-01-010
Number of other retired or separated participants entitled to future benefits2012-01-0126
Total of all active and inactive participants2012-01-01113
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits2012-01-013
Total participants2012-01-01116
Number of participants with account balances2012-01-0198
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested2012-01-0123
2011: 403(B) THRIFT PLAN OF KA HALE A KE OLA HOMELESS RESOURCECENTERS, INC. 2011 401k membership
Total participants, beginning-of-year2011-01-01106
Total number of active participants reported on line 7a of the Form 55002011-01-0190
Number of retired or separated participants receiving benefits2011-01-010
Number of other retired or separated participants entitled to future benefits2011-01-0118
Total of all active and inactive participants2011-01-01108
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits2011-01-013
Total participants2011-01-01111
Number of participants with account balances2011-01-01103
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested2011-01-0113
2010: 403(B) THRIFT PLAN OF KA HALE A KE OLA HOMELESS RESOURCECENTERS, INC. 2010 401k membership
Total participants, beginning-of-year2010-01-0199
Total number of active participants reported on line 7a of the Form 55002010-01-0185
Number of retired or separated participants receiving benefits2010-01-010
Number of other retired or separated participants entitled to future benefits2010-01-0120
Total of all active and inactive participants2010-01-01105
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits2010-01-011
Total participants2010-01-01106
Number of participants with account balances2010-01-01100
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested2010-01-0125

Financial Data on 403(B) THRIFT PLAN OF KA HALE A KE OLA HOMELESS RESOURCECENTERS, INC.

Measure Date Value
2014 : 403(B) THRIFT PLAN OF KA HALE A KE OLA HOMELESS RESOURCECENTERS, INC. 2014 401k financial data
Transfers to/from the plan2014-12-31$0
Total plan liabilities at end of year2014-12-31$0
Total plan liabilities at beginning of year2014-12-31$0
Total income from all sources2014-12-31$155,465
Expenses. Total of all expenses incurred2014-12-31$397,866
Benefits paid (including direct rollovers)2014-12-31$395,438
Total plan assets at end of year2014-12-31$606,835
Total plan assets at beginning of year2014-12-31$849,236
Value of fidelity bond covering the plan2014-12-31$40,000
Total contributions received or receivable from participants2014-12-31$71,070
Expenses. Other expenses not covered elsewhere2014-12-31$2,428
Contributions received from other sources (not participants or employers)2014-12-31$0
Other income received2014-12-31$27,835
Net income (gross income less expenses)2014-12-31$-242,401
Net plan assets at end of year (total assets less liabilities)2014-12-31$606,835
Net plan assets at beginning of year (total assets less liabilities)2014-12-31$849,236
Assets. Value of participant loans2014-12-31$49,177
Total contributions received or receivable from employer(s)2014-12-31$56,560
Value of certain deemed distributions of participant loans2014-12-31$0
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities2014-12-31$0
2013 : 403(B) THRIFT PLAN OF KA HALE A KE OLA HOMELESS RESOURCECENTERS, INC. 2013 401k financial data
Transfers to/from the plan2013-12-31$0
Total plan liabilities at end of year2013-12-31$0
Total plan liabilities at beginning of year2013-12-31$0
Total income from all sources2013-12-31$285,026
Expenses. Total of all expenses incurred2013-12-31$211,762
Benefits paid (including direct rollovers)2013-12-31$202,539
Total plan assets at end of year2013-12-31$849,236
Total plan assets at beginning of year2013-12-31$775,972
Value of fidelity bond covering the plan2013-12-31$40,000
Total contributions received or receivable from participants2013-12-31$90,354
Expenses. Other expenses not covered elsewhere2013-12-31$9,223
Contributions received from other sources (not participants or employers)2013-12-31$15,237
Other income received2013-12-31$103,787
Net income (gross income less expenses)2013-12-31$73,264
Net plan assets at end of year (total assets less liabilities)2013-12-31$849,236
Net plan assets at beginning of year (total assets less liabilities)2013-12-31$775,972
Assets. Value of participant loans2013-12-31$53,167
Total contributions received or receivable from employer(s)2013-12-31$75,648
Value of certain deemed distributions of participant loans2013-12-31$0
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities2013-12-31$0
2012 : 403(B) THRIFT PLAN OF KA HALE A KE OLA HOMELESS RESOURCECENTERS, INC. 2012 401k financial data
Total income from all sources2012-12-31$254,953
Expenses. Total of all expenses incurred2012-12-31$252,206
Benefits paid (including direct rollovers)2012-12-31$224,689
Total plan assets at end of year2012-12-31$775,971
Total plan assets at beginning of year2012-12-31$773,224
Value of fidelity bond covering the plan2012-12-31$40,000
Total contributions received or receivable from participants2012-12-31$95,472
Expenses. Other expenses not covered elsewhere2012-12-31$27,517
Contributions received from other sources (not participants or employers)2012-12-31$20,788
Other income received2012-12-31$51,918
Net income (gross income less expenses)2012-12-31$2,747
Net plan assets at end of year (total assets less liabilities)2012-12-31$775,971
Net plan assets at beginning of year (total assets less liabilities)2012-12-31$773,224
Assets. Value of participant loans2012-12-31$44,247
Total contributions received or receivable from employer(s)2012-12-31$86,775
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities2012-12-31$0
2011 : 403(B) THRIFT PLAN OF KA HALE A KE OLA HOMELESS RESOURCECENTERS, INC. 2011 401k financial data
Total income from all sources2011-12-31$180,184
Expenses. Total of all expenses incurred2011-12-31$281,360
Benefits paid (including direct rollovers)2011-12-31$260,246
Total plan assets at end of year2011-12-31$773,224
Total plan assets at beginning of year2011-12-31$874,400
Value of fidelity bond covering the plan2011-12-31$40,000
Total contributions received or receivable from participants2011-12-31$80,003
Contributions received from other sources (not participants or employers)2011-12-31$0
Other income received2011-12-31$20,332
Net income (gross income less expenses)2011-12-31$-101,176
Net plan assets at end of year (total assets less liabilities)2011-12-31$773,224
Net plan assets at beginning of year (total assets less liabilities)2011-12-31$874,400
Total contributions received or receivable from employer(s)2011-12-31$79,849
Expenses. Administrative service providers (salaries,fees and commissions)2011-12-31$21,114
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities2011-12-31$0
2010 : 403(B) THRIFT PLAN OF KA HALE A KE OLA HOMELESS RESOURCECENTERS, INC. 2010 401k financial data
Transfers to/from the plan2010-12-31$0
Total plan liabilities at end of year2010-12-31$0
Total plan liabilities at beginning of year2010-12-31$0
Total income from all sources2010-12-31$253,159
Expenses. Total of all expenses incurred2010-12-31$64,337
Benefits paid (including direct rollovers)2010-12-31$37,903
Total plan assets at end of year2010-12-31$874,400
Total plan assets at beginning of year2010-12-31$685,578
Value of fidelity bond covering the plan2010-12-31$40,000
Total contributions received or receivable from participants2010-12-31$64,892
Expenses. Other expenses not covered elsewhere2010-12-31$26,434
Contributions received from other sources (not participants or employers)2010-12-31$0
Other income received2010-12-31$104,190
Net income (gross income less expenses)2010-12-31$188,822
Net plan assets at end of year (total assets less liabilities)2010-12-31$874,400
Net plan assets at beginning of year (total assets less liabilities)2010-12-31$685,578
Assets. Value of participant loans2010-12-31$32,035
Total contributions received or receivable from employer(s)2010-12-31$84,077
Value of certain deemed distributions of participant loans2010-12-31$0
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities2010-12-31$0

Form 5500 Responses for 403(B) THRIFT PLAN OF KA HALE A KE OLA HOMELESS RESOURCECENTERS, INC.

2014: 403(B) THRIFT PLAN OF KA HALE A KE OLA HOMELESS RESOURCECENTERS, INC. 2014 form 5500 responses
2014-01-01Type of plan entitySingle employer plan
2014-01-01Submission has been amendedNo
2014-01-01This submission is the final filingNo
2014-01-01This return/report is a short plan year return/report (less than 12 months)No
2014-01-01Plan is a collectively bargained planNo
2014-01-01Plan funding arrangement – InsuranceYes
2014-01-01Plan benefit arrangement – InsuranceYes
2013: 403(B) THRIFT PLAN OF KA HALE A KE OLA HOMELESS RESOURCECENTERS, INC. 2013 form 5500 responses
2013-01-01Type of plan entitySingle employer plan
2013-01-01Submission has been amendedNo
2013-01-01This submission is the final filingNo
2013-01-01This return/report is a short plan year return/report (less than 12 months)No
2013-01-01Plan is a collectively bargained planNo
2013-01-01Plan funding arrangement – InsuranceYes
2013-01-01Plan benefit arrangement – InsuranceYes
2012: 403(B) THRIFT PLAN OF KA HALE A KE OLA HOMELESS RESOURCECENTERS, INC. 2012 form 5500 responses
2012-01-01Type of plan entitySingle employer plan
2012-01-01Submission has been amendedNo
2012-01-01This submission is the final filingNo
2012-01-01This return/report is a short plan year return/report (less than 12 months)No
2012-01-01Plan is a collectively bargained planNo
2012-01-01Plan funding arrangement – InsuranceYes
2012-01-01Plan benefit arrangement – InsuranceYes
2011: 403(B) THRIFT PLAN OF KA HALE A KE OLA HOMELESS RESOURCECENTERS, INC. 2011 form 5500 responses
2011-01-01Type of plan entitySingle employer plan
2011-01-01Submission has been amendedNo
2011-01-01This submission is the final filingNo
2011-01-01This return/report is a short plan year return/report (less than 12 months)No
2011-01-01Plan is a collectively bargained planNo
2011-01-01Plan funding arrangement – InsuranceYes
2011-01-01Plan benefit arrangement – InsuranceYes
2010: 403(B) THRIFT PLAN OF KA HALE A KE OLA HOMELESS RESOURCECENTERS, INC. 2010 form 5500 responses
2010-01-01Type of plan entitySingle employer plan
2010-01-01Submission has been amendedNo
2010-01-01This submission is the final filingNo
2010-01-01This return/report is a short plan year return/report (less than 12 months)No
2010-01-01Plan is a collectively bargained planNo
2010-01-01Plan funding arrangement – InsuranceYes
2010-01-01Plan benefit arrangement – InsuranceYes

Insurance Providers Used on plan

MUTUAL OF AMERICA LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 88668 )
Policy contract number016106H
Policy instance 1
Insurance contract or identification number016106H
Number of Individuals Covered86
Insurance policy start date2014-01-01
Insurance policy end date2014-12-31
Total amount of commissions paid to insurance brokerUSD $0
Total amount of fees paid to insurance companyUSD $177
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 planNo
Contracts With Unallocated Funds Deposit Administration1
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 BenefitNo
Dental Insurance Welfare BenefitNo
Vision Insurance Welfare BenefitNo
Life Insurance Welfare BenefitNo
Temporary Disability Insurance Welfare BenefitNo
Long Term Disability Insurance Welfare BenefitNo
Unemployment Insurance Welfare BenefitNo
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 BrokerUSD $0
Amount paid for insurance broker fees177
Additional information about fees paid to insurance brokerPORTION OF INCENTIVE COMP. PROGRAM
Insurance broker organization code?3
Insurance broker nameSAN FRANCISCO REGIONAL OFFICE
MUTUAL OF AMERICA LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 88668 )
Policy contract number016106H
Policy instance 1
Insurance contract or identification number016106H
Number of Individuals Covered95
Insurance policy start date2013-01-01
Insurance policy end date2013-12-31
Total amount of commissions paid to insurance brokerUSD $0
Total amount of fees paid to insurance companyUSD $810
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 planNo
Contracts With Unallocated Funds Deposit Administration1
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 BenefitNo
Dental Insurance Welfare BenefitNo
Vision Insurance Welfare BenefitNo
Life Insurance Welfare BenefitNo
Temporary Disability Insurance Welfare BenefitNo
Long Term Disability Insurance Welfare BenefitNo
Unemployment Insurance Welfare BenefitNo
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 BrokerUSD $0
Amount paid for insurance broker fees810
Additional information about fees paid to insurance brokerPORTION OF INCENTIVE COMP. PROGRAM
Insurance broker organization code?3
Insurance broker nameSAN FRANCISCO REGIONAL OFFICE
MUTUAL OF AMERICA LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 88668 )
Policy contract number016106H
Policy instance 1
Insurance contract or identification number016106H
Number of Individuals Covered99
Insurance policy start date2012-01-01
Insurance policy end date2012-12-31
Total amount of commissions paid to insurance brokerUSD $0
Total amount of fees paid to insurance companyUSD $121
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 planNo
Contracts With Unallocated Funds Deposit Administration1
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 BenefitNo
Dental Insurance Welfare BenefitNo
Vision Insurance Welfare BenefitNo
Life Insurance Welfare BenefitNo
Temporary Disability Insurance Welfare BenefitNo
Long Term Disability Insurance Welfare BenefitNo
Unemployment Insurance Welfare BenefitNo
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 BrokerUSD $0
Amount paid for insurance broker fees42
Additional information about fees paid to insurance brokerPORTION OF INCENTIVE COMP. PROGRAM
Insurance broker organization code?3
Insurance broker nameJAMIE DANFORD
MUTUAL OF AMERICA LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 88668 )
Policy contract number016106H
Policy instance 1
Insurance contract or identification number016106H
Number of Individuals Covered104
Insurance policy start date2011-01-01
Insurance policy end date2011-12-31
Total amount of commissions paid to insurance brokerUSD $0
Total amount of fees paid to insurance companyUSD $249
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 planNo
Contracts With Unallocated Funds Deposit Administration1
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 BenefitNo
Dental Insurance Welfare BenefitNo
Vision Insurance Welfare BenefitNo
Life Insurance Welfare BenefitNo
Temporary Disability Insurance Welfare BenefitNo
Long Term Disability Insurance Welfare BenefitNo
Unemployment Insurance Welfare BenefitNo
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 number016106H
Policy instance 1
Insurance contract or identification number016106H
Number of Individuals Covered106
Insurance policy start date2010-01-01
Insurance policy end date2010-12-31
Total amount of commissions paid to insurance brokerUSD $0
Total amount of fees paid to insurance companyUSD $367
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 planNo
Contracts With Unallocated Funds Deposit Administration1
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 BenefitNo
Dental Insurance Welfare BenefitNo
Vision Insurance Welfare BenefitNo
Life Insurance Welfare BenefitNo
Temporary Disability Insurance Welfare BenefitNo
Long Term Disability Insurance Welfare BenefitNo
Unemployment Insurance Welfare BenefitNo
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 BrokerUSD $0
Amount paid for insurance broker fees80
Additional information about fees paid to insurance brokerCOMPENSATION
Insurance broker organization code?3
Insurance broker nameMICHAEL PEARCE

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