401k Plan data: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN plan

FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 401k Plan overview

Plan Name	FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN
Plan identification number	001

FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Participant-directed brokerage accounts provided as an investment option under the plan.
Plan provides for automatic enrollment in plan that has employee contributions deducted from payroll.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b), (c), or (m)).

401k Sponsoring company profile

FAY, SPOFFORD AND THORNDIKE, INC. has sponsored the creation of one or more 401k plans.

Company Name: FAY, SPOFFORD AND THORNDIKE, INC.

Employer identification number (EIN): 042204702

NAIC Classification: 541330
NAIC Description: Engineering Services

Form 5500 Filing Information

Submission information for form 5500 for 401k plan FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2018-01-01
001 2018-01-01
001 2017-01-01 DE ANN CLARK DE ANN CLARK 2018-10-11
001 2016-01-01 DE ANN CLARK DE ANN CLARK 2017-10-16
001 2015-01-01 DE ANN CLARK DE ANN CLARK 2016-10-17
001 2014-01-01 LEONARD V. DZENGELEWSKI LEONARD V. DZENGELEWSKI 2015-09-28
001 2013-01-01 LEONARD V. DZENGELEWSKI LEONARD V. DZENGELEWSKI 2014-10-08
001 2012-01-01 LEONARD DZENGELEWSKI LEONARD DZENGELEWSKI 2013-10-14
001 2011-01-01 LEONARD DZENGELEWSKI
001 2010-01-01 LEONARD DZENGELEWSKI
001 2009-01-01 LEONARD DZENGELEWSKI

Plan id#	Filing Submission Date	Name of Administrator	Name of Company Sponsor	Date Sponsor Signed
001	2018-01-01
001	2018-01-01
001	2017-01-01	DE ANN CLARK	DE ANN CLARK	2018-10-11
001	2016-01-01	DE ANN CLARK	DE ANN CLARK	2017-10-16
001	2015-01-01	DE ANN CLARK	DE ANN CLARK	2016-10-17
001	2014-01-01	LEONARD V. DZENGELEWSKI	LEONARD V. DZENGELEWSKI	2015-09-28
001	2013-01-01	LEONARD V. DZENGELEWSKI	LEONARD V. DZENGELEWSKI	2014-10-08
001	2012-01-01	LEONARD DZENGELEWSKI	LEONARD DZENGELEWSKI	2013-10-14
001	2011-01-01	LEONARD DZENGELEWSKI
001	2010-01-01	LEONARD DZENGELEWSKI
001	2009-01-01	LEONARD DZENGELEWSKI

Plan Statistics for FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN

401k plan membership statisitcs for FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN

Measure Date Value
2018: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2018 401k membership
Total participants, beginning-of-year 2018-01-01 279
Total number of active participants reported on line 7a of the Form 5500 2018-01-01 0
Number of retired or separated participants receiving benefits 2018-01-01 0
Number of other retired or separated participants entitled to future benefits 2018-01-01 0
Total of all active and inactive participants 2018-01-01 0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2018-01-01 0
Total participants 2018-01-01 0
Number of participants with account balances 2018-01-01 0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-01-01 0
2017: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2017 401k membership
Total participants, beginning-of-year 2017-01-01 297
Total number of active participants reported on line 7a of the Form 5500 2017-01-01 206
Number of retired or separated participants receiving benefits 2017-01-01 3
Number of other retired or separated participants entitled to future benefits 2017-01-01 70
Total of all active and inactive participants 2017-01-01 279
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2017-01-01 0
Total participants 2017-01-01 279
Number of participants with account balances 2017-01-01 279
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-01-01 0
2016: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2016 401k membership
Total participants, beginning-of-year 2016-01-01 336
Total number of active participants reported on line 7a of the Form 5500 2016-01-01 220
Number of retired or separated participants receiving benefits 2016-01-01 3
Number of other retired or separated participants entitled to future benefits 2016-01-01 74
Total of all active and inactive participants 2016-01-01 297
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2016-01-01 0
Total participants 2016-01-01 297
Number of participants with account balances 2016-01-01 297
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2016-01-01 0
2015: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2015 401k membership
Total participants, beginning-of-year 2015-01-01 363
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 246
Number of retired or separated participants receiving benefits 2015-01-01 5
Number of other retired or separated participants entitled to future benefits 2015-01-01 85
Total of all active and inactive participants 2015-01-01 336
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 0
Total participants 2015-01-01 336
Number of participants with account balances 2015-01-01 336
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 0
2014: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 352
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 270
Number of retired or separated participants receiving benefits 2014-01-01 6
Number of other retired or separated participants entitled to future benefits 2014-01-01 87
Total of all active and inactive participants 2014-01-01 363
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 363
Number of participants with account balances 2014-01-01 360
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 0
2013: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2013 401k membership
Total participants, beginning-of-year 2013-01-01 318
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 264
Number of retired or separated participants receiving benefits 2013-01-01 6
Number of other retired or separated participants entitled to future benefits 2013-01-01 82
Total of all active and inactive participants 2013-01-01 352
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 0
Total participants 2013-01-01 352
Number of participants with account balances 2013-01-01 349
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 0
2012: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2012 401k membership
Total participants, beginning-of-year 2012-01-01 309
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 227
Number of retired or separated participants receiving benefits 2012-01-01 7
Number of other retired or separated participants entitled to future benefits 2012-01-01 84
Total of all active and inactive participants 2012-01-01 318
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 0
Total participants 2012-01-01 318
Number of participants with account balances 2012-01-01 318
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 0
2011: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2011 401k membership
Total participants, beginning-of-year 2011-01-01 306
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 222
Number of retired or separated participants receiving benefits 2011-01-01 6
Number of other retired or separated participants entitled to future benefits 2011-01-01 81
Total of all active and inactive participants 2011-01-01 309
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 0
Total participants 2011-01-01 309
Number of participants with account balances 2011-01-01 301
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 0
2010: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2010 401k membership
Total participants, beginning-of-year 2010-01-01 297
Total number of active participants reported on line 7a of the Form 5500 2010-01-01 227
Number of retired or separated participants receiving benefits 2010-01-01 5
Number of other retired or separated participants entitled to future benefits 2010-01-01 74
Total of all active and inactive participants 2010-01-01 306
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2010-01-01 0
Total participants 2010-01-01 306
Number of participants with account balances 2010-01-01 279
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2010-01-01 0
2009: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2009 401k membership
Total participants, beginning-of-year 2009-01-01 304
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 217
Number of retired or separated participants receiving benefits 2009-01-01 12
Number of other retired or separated participants entitled to future benefits 2009-01-01 66
Total of all active and inactive participants 2009-01-01 295
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-01-01 2
Total participants 2009-01-01 297
Number of participants with account balances 2009-01-01 256
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 0

Measure	Date	Value
2018: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2018 401k membership
Total participants, beginning-of-year	2018-01-01	279
Total number of active participants reported on line 7a of the Form 5500	2018-01-01	0
Number of retired or separated participants receiving benefits	2018-01-01	0
Number of other retired or separated participants entitled to future benefits	2018-01-01	0
Total of all active and inactive participants	2018-01-01	0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2018-01-01	0
Total participants	2018-01-01	0
Number of participants with account balances	2018-01-01	0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-01-01	0
2017: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2017 401k membership
Total participants, beginning-of-year	2017-01-01	297
Total number of active participants reported on line 7a of the Form 5500	2017-01-01	206
Number of retired or separated participants receiving benefits	2017-01-01	3
Number of other retired or separated participants entitled to future benefits	2017-01-01	70
Total of all active and inactive participants	2017-01-01	279
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2017-01-01	0
Total participants	2017-01-01	279
Number of participants with account balances	2017-01-01	279
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-01-01	0
2016: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2016 401k membership
Total participants, beginning-of-year	2016-01-01	336
Total number of active participants reported on line 7a of the Form 5500	2016-01-01	220
Number of retired or separated participants receiving benefits	2016-01-01	3
Number of other retired or separated participants entitled to future benefits	2016-01-01	74
Total of all active and inactive participants	2016-01-01	297
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2016-01-01	0
Total participants	2016-01-01	297
Number of participants with account balances	2016-01-01	297
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2016-01-01	0
2015: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2015 401k membership
Total participants, beginning-of-year	2015-01-01	363
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	246
Number of retired or separated participants receiving benefits	2015-01-01	5
Number of other retired or separated participants entitled to future benefits	2015-01-01	85
Total of all active and inactive participants	2015-01-01	336
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	0
Total participants	2015-01-01	336
Number of participants with account balances	2015-01-01	336
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	0
2014: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	352
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	270
Number of retired or separated participants receiving benefits	2014-01-01	6
Number of other retired or separated participants entitled to future benefits	2014-01-01	87
Total of all active and inactive participants	2014-01-01	363
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	363
Number of participants with account balances	2014-01-01	360
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	0
2013: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2013 401k membership
Total participants, beginning-of-year	2013-01-01	318
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	264
Number of retired or separated participants receiving benefits	2013-01-01	6
Number of other retired or separated participants entitled to future benefits	2013-01-01	82
Total of all active and inactive participants	2013-01-01	352
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	0
Total participants	2013-01-01	352
Number of participants with account balances	2013-01-01	349
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	0
2012: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2012 401k membership
Total participants, beginning-of-year	2012-01-01	309
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	227
Number of retired or separated participants receiving benefits	2012-01-01	7
Number of other retired or separated participants entitled to future benefits	2012-01-01	84
Total of all active and inactive participants	2012-01-01	318
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	0
Total participants	2012-01-01	318
Number of participants with account balances	2012-01-01	318
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	0
2011: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2011 401k membership
Total participants, beginning-of-year	2011-01-01	306
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	222
Number of retired or separated participants receiving benefits	2011-01-01	6
Number of other retired or separated participants entitled to future benefits	2011-01-01	81
Total of all active and inactive participants	2011-01-01	309
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	0
Total participants	2011-01-01	309
Number of participants with account balances	2011-01-01	301
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	0
2010: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2010 401k membership
Total participants, beginning-of-year	2010-01-01	297
Total number of active participants reported on line 7a of the Form 5500	2010-01-01	227
Number of retired or separated participants receiving benefits	2010-01-01	5
Number of other retired or separated participants entitled to future benefits	2010-01-01	74
Total of all active and inactive participants	2010-01-01	306
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2010-01-01	0
Total participants	2010-01-01	306
Number of participants with account balances	2010-01-01	279
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2010-01-01	0
2009: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2009 401k membership
Total participants, beginning-of-year	2009-01-01	304
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	217
Number of retired or separated participants receiving benefits	2009-01-01	12
Number of other retired or separated participants entitled to future benefits	2009-01-01	66
Total of all active and inactive participants	2009-01-01	295
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-01-01	2
Total participants	2009-01-01	297
Number of participants with account balances	2009-01-01	256
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	0

Financial Data on FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN

Measure	Date	Value
2018 : FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2018 401k financial data
Total unrealized appreciation/depreciation of assets	2018-10-31	$0
Total transfer of assets from this plan	2018-10-31	$13,487
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-10-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-10-31	$0
Total income from all sources (including contributions)	2018-10-31	$723,300
Total loss/gain on sale of assets	2018-10-31	$0
Total of all expenses incurred	2018-10-31	$35,624,195
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2018-10-31	$35,561,980
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2018-10-31	$0
Value of total assets at end of year	2018-10-31	$0
Value of total assets at beginning of year	2018-10-31	$34,900,895
Total of administrative expenses incurred including professional, contract, advisory and management fees	2018-10-31	$62,215
Total interest from all sources	2018-10-31	$26,138
Total dividends received (eg from common stock, registered investment company shares)	2018-10-31	$62,574
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2018-10-31	Yes
Value of any plan assets that reverted to the employer resulting from resoluton to terminate the plan	2018-10-31	$0
Total dividends received from registered investment company shares (eg mutual funds)	2018-10-31	$62,574
Was this plan covered by a fidelity bond	2018-10-31	Yes
Value of fidelity bond cover	2018-10-31	$10,000,000
If this is an individual account plan, was there a blackout period	2018-10-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2018-10-31	$0
Were there any nonexempt tranactions with any party-in-interest	2018-10-31	No
Participant contributions at end of year	2018-10-31	$0
Participant contributions at beginning of year	2018-10-31	$137,029
Assets. Other investments not covered elsewhere at end of year	2018-10-31	$0
Assets. Other investments not covered elsewhere at beginning of year	2018-10-31	$166,375
Other income not declared elsewhere	2018-10-31	$73,249
Administrative expenses (other) incurred	2018-10-31	$62,215
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-10-31	No
Value of net income/loss	2018-10-31	$-34,900,895
Value of net assets at end of year (total assets less liabilities)	2018-10-31	$0
Value of net assets at beginning of year (total assets less liabilities)	2018-10-31	$34,900,895
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2018-10-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2018-10-31	No
Were any leases to which the plan was party in default or uncollectible	2018-10-31	No
Assets. partnership/joint venture interests at end of year	2018-10-31	$0
Assets. partnership/joint venture interests at beginning of year	2018-10-31	$11,413
Value of interest in registered invesment companies (eg mutual funds) at end of year	2018-10-31	$0
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2018-10-31	$27,180,826
Value of interest in pooled separate accounts at end of year	2018-10-31	$0
Value of interest in pooled separate accounts at beginning of year	2018-10-31	$3,287,508
Interest on participant loans	2018-10-31	$981
Interest earned on other investments	2018-10-31	$25,157
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2018-10-31	$0
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2018-10-31	$4,117,744
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2018-10-31	$592,196
Net investment gain/loss from pooled separate accounts	2018-10-31	$-30,857
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2018-10-31	No
Was there a failure to transmit to the plan any participant contributions	2018-10-31	No
Has the plan failed to provide any benefit when due under the plan	2018-10-31	No
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2018-10-31	$35,561,980
Did the plan have assets held for investment	2018-10-31	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	2018-10-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2018-10-31	Yes
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2018-10-31	Yes
Opinion of an independent qualified public accountant for this plan	2018-10-31	Disclaimer
Accountancy firm name	2018-10-31	BDO USA, LLP
Accountancy firm EIN	2018-10-31	135381590
2017 : FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2017 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2017-12-31	$131
Total unrealized appreciation/depreciation of assets	2017-12-31	$131
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$0
Total income from all sources (including contributions)	2017-12-31	$5,884,484
Total loss/gain on sale of assets	2017-12-31	$0
Total of all expenses incurred	2017-12-31	$2,632,005
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2017-12-31	$2,557,063
Expenses. Certain deemed distributions of participant loans	2017-12-31	$2,201
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2017-12-31	$0
Value of total assets at end of year	2017-12-31	$34,900,895
Value of total assets at beginning of year	2017-12-31	$31,648,416
Total of administrative expenses incurred including professional, contract, advisory and management fees	2017-12-31	$72,741
Total interest from all sources	2017-12-31	$73,359
Total dividends received (eg from common stock, registered investment company shares)	2017-12-31	$327,494
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2017-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2017-12-31	$327,494
Was this plan covered by a fidelity bond	2017-12-31	Yes
Value of fidelity bond cover	2017-12-31	$500,000
If this is an individual account plan, was there a blackout period	2017-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2017-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2017-12-31	No
Participant contributions at end of year	2017-12-31	$137,029
Participant contributions at beginning of year	2017-12-31	$255,750
Assets. Other investments not covered elsewhere at end of year	2017-12-31	$166,375
Assets. Other investments not covered elsewhere at beginning of year	2017-12-31	$138,359
Other income not declared elsewhere	2017-12-31	$69,479
Administrative expenses (other) incurred	2017-12-31	$72,741
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Value of net income/loss	2017-12-31	$3,252,479
Value of net assets at end of year (total assets less liabilities)	2017-12-31	$34,900,895
Value of net assets at beginning of year (total assets less liabilities)	2017-12-31	$31,648,416
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2017-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2017-12-31	No
Were any leases to which the plan was party in default or uncollectible	2017-12-31	No
Assets. partnership/joint venture interests at end of year	2017-12-31	$11,413
Assets. partnership/joint venture interests at beginning of year	2017-12-31	$0
Value of interest in registered invesment companies (eg mutual funds) at end of year	2017-12-31	$27,180,826
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2017-12-31	$24,039,014
Value of interest in pooled separate accounts at end of year	2017-12-31	$3,287,508
Value of interest in pooled separate accounts at beginning of year	2017-12-31	$3,039,322
Interest on participant loans	2017-12-31	$8,016
Interest earned on other investments	2017-12-31	$65,343
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2017-12-31	$4,117,744
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2017-12-31	$4,175,971
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2017-12-31	$4,958,048
Net investment gain/loss from pooled separate accounts	2017-12-31	$455,973
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2017-12-31	No
Was there a failure to transmit to the plan any participant contributions	2017-12-31	No
Has the plan failed to provide any benefit when due under the plan	2017-12-31	No
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2017-12-31	$2,557,063
Did the plan have assets held for investment	2017-12-31	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	2017-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2017-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2017-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2017-12-31	Disclaimer
Accountancy firm name	2017-12-31	BDO USA, LLP
Accountancy firm EIN	2017-12-31	135381590
2016 : FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2016 401k financial data
Total unrealized appreciation/depreciation of assets	2016-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
Total income from all sources (including contributions)	2016-12-31	$1,959,789
Total loss/gain on sale of assets	2016-12-31	$0
Total of all expenses incurred	2016-12-31	$7,940,523
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2016-12-31	$7,906,163
Expenses. Certain deemed distributions of participant loans	2016-12-31	$12,725
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2016-12-31	$0
Value of total assets at end of year	2016-12-31	$31,648,416
Value of total assets at beginning of year	2016-12-31	$37,629,150
Total of administrative expenses incurred including professional, contract, advisory and management fees	2016-12-31	$21,635
Total interest from all sources	2016-12-31	$92,807
Total dividends received (eg from common stock, registered investment company shares)	2016-12-31	$329,740
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2016-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2016-12-31	$329,740
Was this plan covered by a fidelity bond	2016-12-31	Yes
Value of fidelity bond cover	2016-12-31	$500,000
If this is an individual account plan, was there a blackout period	2016-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2016-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2016-12-31	No
Participant contributions at end of year	2016-12-31	$255,750
Participant contributions at beginning of year	2016-12-31	$326,176
Assets. Other investments not covered elsewhere at end of year	2016-12-31	$138,359
Assets. Other investments not covered elsewhere at beginning of year	2016-12-31	$118,394
Other income not declared elsewhere	2016-12-31	$39,704
Administrative expenses (other) incurred	2016-12-31	$21,635
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Value of net income/loss	2016-12-31	$-5,980,734
Value of net assets at end of year (total assets less liabilities)	2016-12-31	$31,648,416
Value of net assets at beginning of year (total assets less liabilities)	2016-12-31	$37,629,150
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2016-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2016-12-31	No
Were any leases to which the plan was party in default or uncollectible	2016-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2016-12-31	$24,039,014
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2016-12-31	$27,279,144
Value of interest in pooled separate accounts at end of year	2016-12-31	$3,039,322
Value of interest in pooled separate accounts at beginning of year	2016-12-31	$3,829,339
Interest on participant loans	2016-12-31	$10,984
Interest earned on other investments	2016-12-31	$81,823
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2016-12-31	$4,175,971
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2016-12-31	$6,076,097
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2016-12-31	$1,497,538
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2016-12-31	No
Was there a failure to transmit to the plan any participant contributions	2016-12-31	No
Has the plan failed to provide any benefit when due under the plan	2016-12-31	No
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2016-12-31	$7,906,163
Did the plan have assets held for investment	2016-12-31	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	2016-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2016-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2016-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2016-12-31	Disclaimer
Accountancy firm name	2016-12-31	BDO USA, LLP
Accountancy firm EIN	2016-12-31	135381590
2015 : FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 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	$2,033,111
Total loss/gain on sale of assets	2015-12-31	$0
Total of all expenses incurred	2015-12-31	$8,919,755
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$8,846,845
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$1,653,304
Value of total assets at end of year	2015-12-31	$37,629,150
Value of total assets at beginning of year	2015-12-31	$44,515,794
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$72,910
Total interest from all sources	2015-12-31	$126,527
Total dividends received (eg from common stock, registered investment company shares)	2015-12-31	$420,501
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2015-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2015-12-31	$420,501
Was this plan covered by a fidelity bond	2015-12-31	Yes
Value of fidelity bond cover	2015-12-31	$500,000
If this is an individual account plan, was there a blackout period	2015-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2015-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2015-12-31	No
Contributions received from participants	2015-12-31	$1,599,103
Participant contributions at end of year	2015-12-31	$326,176
Participant contributions at beginning of year	2015-12-31	$442,194
Participant contributions at end of year	2015-12-31	$0
Participant contributions at beginning of year	2015-12-31	$42,705
Assets. Other investments not covered elsewhere at end of year	2015-12-31	$118,394
Assets. Other investments not covered elsewhere at beginning of year	2015-12-31	$135,012
Income. Received or receivable in cash from other sources (including rollovers)	2015-12-31	$54,201
Other income not declared elsewhere	2015-12-31	$47,807
Administrative expenses (other) incurred	2015-12-31	$72,910
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	$-6,886,644
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$37,629,150
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$44,515,794
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2015-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2015-12-31	No
Were any leases to which the plan was party in default or uncollectible	2015-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2015-12-31	$27,279,144
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2015-12-31	$31,873,574
Value of interest in pooled separate accounts at end of year	2015-12-31	$3,829,339
Value of interest in pooled separate accounts at beginning of year	2015-12-31	$5,475,936
Interest on participant loans	2015-12-31	$17,387
Interest earned on other investments	2015-12-31	$109,140
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2015-12-31	$6,076,097
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2015-12-31	$6,346,373
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2015-12-31	$-263,167
Net investment gain/loss from pooled separate accounts	2015-12-31	$48,139
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
Employer contributions (assets) at end of year	2015-12-31	$0
Employer contributions (assets) at beginning of year	2015-12-31	$200,000
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$8,846,845
Did the plan have assets held for investment	2015-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2015-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2015-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2015-12-31	Disclaimer
Accountancy firm name	2015-12-31	BDO USA, LLP
Accountancy firm EIN	2015-12-31	135381590
2014 : FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 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	$5,839,371
Total loss/gain on sale of assets	2014-12-31	$0
Total of all expenses incurred	2014-12-31	$3,001,502
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$2,910,139
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$3,130,421
Value of total assets at end of year	2014-12-31	$44,515,794
Value of total assets at beginning of year	2014-12-31	$41,677,925
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$91,363
Total interest from all sources	2014-12-31	$138,921
Total dividends received (eg from common stock, registered investment company shares)	2014-12-31	$490,146
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2014-12-31	$490,146
Was this plan covered by a fidelity bond	2014-12-31	Yes
Value of fidelity bond cover	2014-12-31	$500,000
If this is an individual account plan, was there a blackout period	2014-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2014-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2014-12-31	No
Contributions received from participants	2014-12-31	$1,851,422
Participant contributions at end of year	2014-12-31	$442,194
Participant contributions at beginning of year	2014-12-31	$335,748
Participant contributions at end of year	2014-12-31	$42,705
Participant contributions at beginning of year	2014-12-31	$27,792
Assets. Other investments not covered elsewhere at end of year	2014-12-31	$135,012
Assets. Other investments not covered elsewhere at beginning of year	2014-12-31	$141,387
Income. Received or receivable in cash from other sources (including rollovers)	2014-12-31	$1,078,358
Other income not declared elsewhere	2014-12-31	$40,694
Administrative expenses (other) incurred	2014-12-31	$91,363
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	$2,837,869
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$44,515,794
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$41,677,925
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-12-31	No
Were any leases to which the plan was party in default or uncollectible	2014-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2014-12-31	$31,873,574
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2014-12-31	$33,312,106
Value of interest in pooled separate accounts at end of year	2014-12-31	$5,475,936
Value of interest in pooled separate accounts at beginning of year	2014-12-31	$597,375
Interest on participant loans	2014-12-31	$17,710
Interest earned on other investments	2014-12-31	$121,211
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2014-12-31	$6,346,373
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2014-12-31	$6,863,517
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2014-12-31	$1,935,962
Net investment gain/loss from pooled separate accounts	2014-12-31	$103,227
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-12-31	No
Was there a failure to transmit to the plan any participant contributions	2014-12-31	No
Has the plan failed to provide any benefit when due under the plan	2014-12-31	No
Contributions received in cash from employer	2014-12-31	$200,641
Employer contributions (assets) at end of year	2014-12-31	$200,000
Employer contributions (assets) at beginning of year	2014-12-31	$400,000
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$2,910,139
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	FEELY & DRISCOLL, PC
Accountancy firm EIN	2014-12-31	042684828
2013 : FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2013 401k financial data
Total unrealized appreciation/depreciation of assets	2013-12-31	$0
Total transfer of assets to this plan	2013-12-31	$40,248
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	$10,536,170
Total loss/gain on sale of assets	2013-12-31	$0
Total of all expenses incurred	2013-12-31	$1,257,126
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$1,182,334
Value of total corrective distributions	2013-12-31	$17,026
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$4,094,393
Value of total assets at end of year	2013-12-31	$41,677,925
Value of total assets at beginning of year	2013-12-31	$32,358,633
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$57,766
Total interest from all sources	2013-12-31	$140,167
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$382,259
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2013-12-31	$382,259
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$500,000
If this is an individual account plan, was there a blackout period	2013-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2013-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2013-12-31	No
Contributions received from participants	2013-12-31	$1,639,627
Participant contributions at end of year	2013-12-31	$335,748
Participant contributions at beginning of year	2013-12-31	$284,437
Participant contributions at end of year	2013-12-31	$27,792
Participant contributions at beginning of year	2013-12-31	$11,496
Assets. Other investments not covered elsewhere at end of year	2013-12-31	$141,387
Assets. Other investments not covered elsewhere at beginning of year	2013-12-31	$109,854
Income. Received or receivable in cash from other sources (including rollovers)	2013-12-31	$2,054,227
Other income not declared elsewhere	2013-12-31	$69,757
Administrative expenses (other) incurred	2013-12-31	$57,766
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	$9,279,044
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$41,677,925
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$32,358,633
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-12-31	No
Were any leases to which the plan was party in default or uncollectible	2013-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2013-12-31	$33,312,106
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2013-12-31	$25,508,455
Value of interest in pooled separate accounts at end of year	2013-12-31	$597,375
Value of interest in pooled separate accounts at beginning of year	2013-12-31	$405,834
Interest on participant loans	2013-12-31	$13,508
Interest earned on other investments	2013-12-31	$126,659
Value of interest in common/collective trusts at beginning of year	2013-12-31	$0
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2013-12-31	$6,863,517
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2013-12-31	$5,538,557
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2013-12-31	$5,777,158
Net investment gain/loss from pooled separate accounts	2013-12-31	$72,436
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-12-31	No
Was there a failure to transmit to the plan any participant contributions	2013-12-31	No
Has the plan failed to provide any benefit when due under the plan	2013-12-31	No
Contributions received in cash from employer	2013-12-31	$400,539
Employer contributions (assets) at end of year	2013-12-31	$400,000
Employer contributions (assets) at beginning of year	2013-12-31	$500,000
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$1,182,334
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	FEELY & DRISCOLL, PC
Accountancy firm EIN	2013-12-31	042684828
2012 : FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2012 401k financial data
Total unrealized appreciation/depreciation of assets	2012-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total income from all sources (including contributions)	2012-12-31	$5,512,475
Total loss/gain on sale of assets	2012-12-31	$0
Total of all expenses incurred	2012-12-31	$2,377,992
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$2,353,202
Value of total corrective distributions	2012-12-31	$13,448
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$1,977,915
Value of total assets at end of year	2012-12-31	$32,358,633
Value of total assets at beginning of year	2012-12-31	$29,224,150
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$11,342
Total interest from all sources	2012-12-31	$44,928
Total dividends received (eg from common stock, registered investment company shares)	2012-12-31	$370,855
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2012-12-31	$370,855
Was this plan covered by a fidelity bond	2012-12-31	Yes
Value of fidelity bond cover	2012-12-31	$500,000
If this is an individual account plan, was there a blackout period	2012-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2012-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2012-12-31	No
Contributions received from participants	2012-12-31	$1,464,881
Participant contributions at end of year	2012-12-31	$284,437
Participant contributions at beginning of year	2012-12-31	$278,082
Participant contributions at end of year	2012-12-31	$11,496
Participant contributions at beginning of year	2012-12-31	$50,271
Assets. Other investments not covered elsewhere at end of year	2012-12-31	$109,854
Assets. Other investments not covered elsewhere at beginning of year	2012-12-31	$63,327
Income. Received or receivable in cash from other sources (including rollovers)	2012-12-31	$13,034
Other income not declared elsewhere	2012-12-31	$7,345
Administrative expenses (other) incurred	2012-12-31	$11,342
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	$3,134,483
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$32,358,633
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$29,224,150
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2012-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2012-12-31	No
Were any leases to which the plan was party in default or uncollectible	2012-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2012-12-31	$25,508,455
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2012-12-31	$22,155,995
Value of interest in pooled separate accounts at end of year	2012-12-31	$405,834
Value of interest in pooled separate accounts at beginning of year	2012-12-31	$462,318
Interest on participant loans	2012-12-31	$12,296
Interest earned on other investments	2012-12-31	$32,452
Value of interest in common/collective trusts at end of year	2012-12-31	$0
Value of interest in common/collective trusts at beginning of year	2012-12-31	$4,329,824
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2012-12-31	$1,624,333
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2012-12-31	$1,624,333
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2012-12-31	$180
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2012-12-31	$5,538,557
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2012-12-31	$3,027,277
Net investment gain/loss from pooled separate accounts	2012-12-31	$42,140
Net investment gain or loss from common/collective trusts	2012-12-31	$42,015
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2012-12-31	No
Was there a failure to transmit to the plan any participant contributions	2012-12-31	No
Has the plan failed to provide any benefit when due under the plan	2012-12-31	No
Contributions received in cash from employer	2012-12-31	$500,000
Employer contributions (assets) at end of year	2012-12-31	$500,000
Employer contributions (assets) at beginning of year	2012-12-31	$260,000
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$2,353,202
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	FEELEY & DRISCOLL, PC
Accountancy firm EIN	2012-12-31	042684828
2011 : FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2011 401k financial data
Total unrealized appreciation/depreciation of assets	2011-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total income from all sources (including contributions)	2011-12-31	$1,042,677
Total loss/gain on sale of assets	2011-12-31	$0
Total of all expenses incurred	2011-12-31	$1,207,917
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$1,193,150
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$1,743,400
Value of total assets at end of year	2011-12-31	$29,224,150
Value of total assets at beginning of year	2011-12-31	$29,389,390
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$14,767
Total interest from all sources	2011-12-31	$15,621
Total dividends received (eg from common stock, registered investment company shares)	2011-12-31	$324,643
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2011-12-31	$324,643
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$500,000
If this is an individual account plan, was there a blackout period	2011-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2011-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2011-12-31	No
Contributions received from participants	2011-12-31	$1,439,166
Participant contributions at end of year	2011-12-31	$278,082
Participant contributions at beginning of year	2011-12-31	$315,869
Participant contributions at end of year	2011-12-31	$50,271
Participant contributions at beginning of year	2011-12-31	$54,000
Assets. Other investments not covered elsewhere at end of year	2011-12-31	$63,327
Assets. Other investments not covered elsewhere at beginning of year	2011-12-31	$26,076
Income. Received or receivable in cash from other sources (including rollovers)	2011-12-31	$43,424
Other income not declared elsewhere	2011-12-31	$23
Administrative expenses (other) incurred	2011-12-31	$14,767
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	$-165,240
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$29,224,150
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$29,389,390
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2011-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2011-12-31	No
Were any leases to which the plan was party in default or uncollectible	2011-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2011-12-31	$22,155,995
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2011-12-31	$23,008,886
Value of interest in pooled separate accounts at end of year	2011-12-31	$462,318
Value of interest in pooled separate accounts at beginning of year	2011-12-31	$432,935
Interest on participant loans	2011-12-31	$15,266
Value of interest in common/collective trusts at end of year	2011-12-31	$4,329,824
Value of interest in common/collective trusts at beginning of year	2011-12-31	$3,669,608
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2011-12-31	$1,624,333
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2011-12-31	$1,707,016
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2011-12-31	$1,707,016
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2011-12-31	$355
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2011-12-31	$-1,139,554
Net investment gain/loss from pooled separate accounts	2011-12-31	$-61
Net investment gain or loss from common/collective trusts	2011-12-31	$98,605
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2011-12-31	No
Was there a failure to transmit to the plan any participant contributions	2011-12-31	No
Has the plan failed to provide any benefit when due under the plan	2011-12-31	No
Contributions received in cash from employer	2011-12-31	$260,810
Employer contributions (assets) at end of year	2011-12-31	$260,000
Employer contributions (assets) at beginning of year	2011-12-31	$175,000
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$1,193,150
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	FEELEY & DRISCOLL, PC
Accountancy firm EIN	2011-12-31	042684828
2010 : FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2010 401k financial data
Total unrealized appreciation/depreciation of assets	2010-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total income from all sources (including contributions)	2010-12-31	$4,426,814
Total loss/gain on sale of assets	2010-12-31	$0
Total of all expenses incurred	2010-12-31	$935,038
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2010-12-31	$922,332
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2010-12-31	$1,724,391
Value of total assets at end of year	2010-12-31	$29,389,390
Value of total assets at beginning of year	2010-12-31	$25,897,614
Total of administrative expenses incurred including professional, contract, advisory and management fees	2010-12-31	$12,706
Total interest from all sources	2010-12-31	$17,437
Total dividends received (eg from common stock, registered investment company shares)	2010-12-31	$291,386
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2010-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2010-12-31	$291,386
Was this plan covered by a fidelity bond	2010-12-31	Yes
Value of fidelity bond cover	2010-12-31	$500,000
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	$1,368,376
Participant contributions at end of year	2010-12-31	$315,869
Participant contributions at beginning of year	2010-12-31	$249,857
Participant contributions at end of year	2010-12-31	$54,000
Participant contributions at beginning of year	2010-12-31	$52,191
Assets. Other investments not covered elsewhere at end of year	2010-12-31	$26,076
Assets. Other investments not covered elsewhere at beginning of year	2010-12-31	$23,450
Income. Received or receivable in cash from other sources (including rollovers)	2010-12-31	$181,015
Other income not declared elsewhere	2010-12-31	$-2,574
Administrative expenses (other) incurred	2010-12-31	$12,706
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	$3,491,776
Value of net assets at end of year (total assets less liabilities)	2010-12-31	$29,389,390
Value of net assets at beginning of year (total assets less liabilities)	2010-12-31	$25,897,614
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2010-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2010-12-31	No
Were any leases to which the plan was party in default or uncollectible	2010-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2010-12-31	$23,008,886
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2010-12-31	$20,405,891
Value of interest in pooled separate accounts at end of year	2010-12-31	$432,935
Value of interest in pooled separate accounts at beginning of year	2010-12-31	$259,549
Interest on participant loans	2010-12-31	$17,012
Value of interest in common/collective trusts at end of year	2010-12-31	$3,669,608
Value of interest in common/collective trusts at beginning of year	2010-12-31	$3,196,669
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2010-12-31	$1,707,016
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2010-12-31	$1,450,007
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2010-12-31	$1,450,007
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2010-12-31	$425
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2010-12-31	$2,196,687
Net investment gain/loss from pooled separate accounts	2010-12-31	$45,883
Net investment gain or loss from common/collective trusts	2010-12-31	$153,604
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2010-12-31	No
Was there a failure to transmit to the plan any participant contributions	2010-12-31	No
Has the plan failed to provide any benefit when due under the plan	2010-12-31	No
Contributions received in cash from employer	2010-12-31	$175,000
Employer contributions (assets) at end of year	2010-12-31	$175,000
Employer contributions (assets) at beginning of year	2010-12-31	$260,000
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2010-12-31	$922,332
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	FEELEY & DRISCOLL, PC
Accountancy firm EIN	2010-12-31	042684828
2009 : FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2009 401k financial data
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2009-12-31	$0

Form 5500 Responses for FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN

2018: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2018 form 5500 responses
2018-01-01	Type of plan entity	Single employer plan
2018-01-01	Submission has been amended	Yes
2018-01-01	This submission is the final filing	Yes
2018-01-01	This return/report is a short plan year return/report (less than 12 months)	Yes
2018-01-01	Plan is a collectively bargained plan	No
2018-01-01	Plan funding arrangement – Insurance	Yes
2018-01-01	Plan funding arrangement – Trust	Yes
2018-01-01	Plan benefit arrangement – Insurance	Yes
2018-01-01	Plan benefit arrangement - Trust	Yes
2017: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2017 form 5500 responses
2017-01-01	Type of plan entity	Single employer plan
2017-01-01	Submission has been amended	No
2017-01-01	This submission is the final filing	No
2017-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2017-01-01	Plan is a collectively bargained plan	No
2017-01-01	Plan funding arrangement – Insurance	Yes
2017-01-01	Plan funding arrangement – Trust	Yes
2017-01-01	Plan benefit arrangement – Insurance	Yes
2017-01-01	Plan benefit arrangement - Trust	Yes
2016: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2016 form 5500 responses
2016-01-01	Type of plan entity	Single employer plan
2016-01-01	Submission has been amended	No
2016-01-01	This submission is the final filing	No
2016-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2016-01-01	Plan is a collectively bargained plan	No
2016-01-01	Plan funding arrangement – Insurance	Yes
2016-01-01	Plan funding arrangement – Trust	Yes
2016-01-01	Plan benefit arrangement – Insurance	Yes
2016-01-01	Plan benefit arrangement - Trust	Yes
2015: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2015 form 5500 responses
2015-01-01	Type of plan entity	Single employer plan
2015-01-01	Submission has been amended	No
2015-01-01	This submission is the final filing	No
2015-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2015-01-01	Plan is a collectively bargained plan	No
2015-01-01	Plan funding arrangement – 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: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Submission has been amended	No
2014-01-01	This submission is the final filing	No
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-01-01	Plan is a collectively bargained plan	No
2014-01-01	Plan funding arrangement – 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: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	Submission has been amended	No
2013-01-01	This submission is the final filing	No
2013-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-01-01	Plan is a collectively bargained plan	No
2013-01-01	Plan funding arrangement – 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: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2012 form 5500 responses
2012-01-01	Type of plan entity	Single employer plan
2012-01-01	Submission has been amended	No
2012-01-01	This submission is the final filing	No
2012-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2012-01-01	Plan is a collectively bargained plan	No
2012-01-01	Plan funding arrangement – 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: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2011 form 5500 responses
2011-01-01	Type of plan entity	Single employer plan
2011-01-01	Submission has been amended	No
2011-01-01	This submission is the final filing	No
2011-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2011-01-01	Plan is a collectively bargained plan	No
2011-01-01	Plan funding arrangement – 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: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 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: FAY, SPOFFORD & THORNDIKE, INC. PROFIT SHARING AND 401(K) PLAN 2009 form 5500 responses
2009-01-01	Type of plan entity	Single employer plan
2009-01-01	Submission has been amended	No
2009-01-01	This submission is the final filing	No
2009-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2009-01-01	Plan is a collectively bargained plan	No
2009-01-01	Plan funding arrangement – 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

PRUDENTIAL RETIREMENT INSURANCE AND ANNUITY COMPANY (National Association of Insurance Commissioners NAIC id number: 93629 )

Policy contract number

041223

Policy instance

Insurance contract or identification number	041223
Number of Individuals Covered	0
Insurance policy start date	2018-01-01
Insurance policy end date	2018-10-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $0
Are there contracts with allocated funds for individual policies?	0
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
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No

PRUDENTIAL RETIREMENT INSURANCE AND ANNUITY COMPANY (National Association of Insurance Commissioners NAIC id number: 93629 )

Policy contract number

041223

Policy instance

Insurance contract or identification number	041223
Number of Individuals Covered	279
Insurance policy start date	2017-01-01
Insurance policy end date	2017-12-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $0
Are there contracts with allocated funds for individual policies?	0
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?	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

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Company Name:	FAY, SPOFFORD AND THORNDIKE, INC.
Employer identification number (EIN):	042204702
NAIC Classification:	541330
NAIC Description:	Engineering Services