401k Plan data: CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN plan

CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 401k Plan overview

Plan Name	CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN
Plan identification number	001

CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING 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.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b), (c), or (m)).

401k Sponsoring company profile

CLOVER MANAGEMENT, INC. has sponsored the creation of one or more 401k plans.

Company Name: CLOVER MANAGEMENT, INC.

Employer identification number (EIN): 133559931

NAIC Classification: 531310

Additional information about CLOVER MANAGEMENT, INC.

Jurisdiction of Incorporation: Nevada Department of State

Incorporation Date: 2003-05-16

Company Identification Number: 20031351970

More information about CLOVER MANAGEMENT, INC.

Form 5500 Filing Information

Submission information for form 5500 for 401k plan CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2022-01-01 MICHAEL JOSEPH 2023-10-16 MICHAEL JOSEPH 2023-10-16
001 2021-01-01 MICHAEL JOSEPH 2022-10-12 MICHAEL JOSEPH 2022-10-12
001 2020-01-01 MICHAEL JOSEPH 2021-10-06 MICHAEL JOSEPH 2021-10-06
001 2019-01-01 MICHAEL L. JOSEPH 2020-10-01 MICHAEL L. JOSEPH 2020-10-01
001 2018-01-01
001 2017-01-01 MICHAEL JOSEPH MICHAEL JOSEPH 2018-09-27
001 2016-01-01 MICHAEL JOSEPH MICHAEL JOSEPH 2017-10-16
001 2015-01-01
001 2014-01-01 MICHAEL JOSEPH MICHAEL JOSEPH 2015-10-15
001 2013-01-01 MICHAEL JOSEPH 2014-07-07
001 2012-01-01 MICHAEL JOSEPH 2013-06-24 MICHAEL JOSEPH 2013-06-24
001 2011-01-01 MICHAEL JOSEPH 2012-04-24
001 2010-01-01 MICHAEL JOSEPH 2011-06-29

Plan id#	Filing Submission Date	Name of Administrator	Date Administrator Signed	Name of Company Sponsor	Date Sponsor Signed
001	2022-01-01	MICHAEL JOSEPH	2023-10-16	MICHAEL JOSEPH	2023-10-16
001	2021-01-01	MICHAEL JOSEPH	2022-10-12	MICHAEL JOSEPH	2022-10-12
001	2020-01-01	MICHAEL JOSEPH	2021-10-06	MICHAEL JOSEPH	2021-10-06
001	2019-01-01	MICHAEL L. JOSEPH	2020-10-01	MICHAEL L. JOSEPH	2020-10-01
001	2018-01-01
001	2017-01-01	MICHAEL JOSEPH		MICHAEL JOSEPH	2018-09-27
001	2016-01-01	MICHAEL JOSEPH		MICHAEL JOSEPH	2017-10-16
001	2015-01-01
001	2014-01-01	MICHAEL JOSEPH		MICHAEL JOSEPH	2015-10-15
001	2013-01-01	MICHAEL JOSEPH	2014-07-07
001	2012-01-01	MICHAEL JOSEPH	2013-06-24	MICHAEL JOSEPH	2013-06-24
001	2011-01-01	MICHAEL JOSEPH	2012-04-24
001	2010-01-01	MICHAEL JOSEPH	2011-06-29

Plan Statistics for CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN

401k plan membership statisitcs for CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN

Measure Date Value
2022: CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2022 401k membership
Total participants, beginning-of-year 2022-01-01 185
Total number of active participants reported on line 7a of the Form 5500 2022-01-01 126
Number of retired or separated participants receiving benefits 2022-01-01 0
Number of other retired or separated participants entitled to future benefits 2022-01-01 34
Total of all active and inactive participants 2022-01-01 160
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2022-01-01 0
Total participants 2022-01-01 160
Number of participants with account balances 2022-01-01 91
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2022-01-01 19
2021: CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2021 401k membership
Total participants, beginning-of-year 2021-01-01 167
Total number of active participants reported on line 7a of the Form 5500 2021-01-01 118
Number of retired or separated participants receiving benefits 2021-01-01 0
Number of other retired or separated participants entitled to future benefits 2021-01-01 32
Total of all active and inactive participants 2021-01-01 150
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2021-01-01 0
Total participants 2021-01-01 150
Number of participants with account balances 2021-01-01 90
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2021-01-01 17
2020: CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2020 401k membership
Total participants, beginning-of-year 2020-01-01 154
Total number of active participants reported on line 7a of the Form 5500 2020-01-01 117
Number of retired or separated participants receiving benefits 2020-01-01 0
Number of other retired or separated participants entitled to future benefits 2020-01-01 31
Total of all active and inactive participants 2020-01-01 148
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2020-01-01 0
Total participants 2020-01-01 148
Number of participants with account balances 2020-01-01 86
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2020-01-01 16
2019: CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2019 401k membership
Total participants, beginning-of-year 2019-01-01 147
Total number of active participants reported on line 7a of the Form 5500 2019-01-01 105
Number of retired or separated participants receiving benefits 2019-01-01 0
Number of other retired or separated participants entitled to future benefits 2019-01-01 22
Total of all active and inactive participants 2019-01-01 127
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2019-01-01 0
Total participants 2019-01-01 127
Number of participants with account balances 2019-01-01 79
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2019-01-01 10
2018: CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2018 401k membership
Total participants, beginning-of-year 2018-01-01 141
Total number of active participants reported on line 7a of the Form 5500 2018-01-01 103
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 21
Total of all active and inactive participants 2018-01-01 124
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2018-01-01 0
Total participants 2018-01-01 124
Number of participants with account balances 2018-01-01 75
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-01-01 13
2017: CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2017 401k membership
Total participants, beginning-of-year 2017-01-01 138
Total number of active participants reported on line 7a of the Form 5500 2017-01-01 113
Number of retired or separated participants receiving benefits 2017-01-01 0
Number of other retired or separated participants entitled to future benefits 2017-01-01 15
Total of all active and inactive participants 2017-01-01 128
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2017-01-01 0
Total participants 2017-01-01 128
Number of participants with account balances 2017-01-01 72
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-01-01 8
2016: CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2016 401k membership
Total participants, beginning-of-year 2016-01-01 150
Total number of active participants reported on line 7a of the Form 5500 2016-01-01 100
Number of retired or separated participants receiving benefits 2016-01-01 0
Number of other retired or separated participants entitled to future benefits 2016-01-01 13
Total of all active and inactive participants 2016-01-01 113
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2016-01-01 0
Total participants 2016-01-01 113
Number of participants with account balances 2016-01-01 56
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2016-01-01 3
2015: CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2015 401k membership
Total participants, beginning-of-year 2015-01-01 141
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 118
Number of retired or separated participants receiving benefits 2015-01-01 0
Number of other retired or separated participants entitled to future benefits 2015-01-01 16
Total of all active and inactive participants 2015-01-01 134
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 0
Total participants 2015-01-01 134
Number of participants with account balances 2015-01-01 61
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 5
2014: CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 148
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 105
Number of retired or separated participants receiving benefits 2014-01-01 0
Number of other retired or separated participants entitled to future benefits 2014-01-01 17
Total of all active and inactive participants 2014-01-01 122
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 122
Number of participants with account balances 2014-01-01 57
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 6

Measure	Date	Value
2022: CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2022 401k membership
Total participants, beginning-of-year	2022-01-01	185
Total number of active participants reported on line 7a of the Form 5500	2022-01-01	126
Number of retired or separated participants receiving benefits	2022-01-01	0
Number of other retired or separated participants entitled to future benefits	2022-01-01	34
Total of all active and inactive participants	2022-01-01	160
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2022-01-01	0
Total participants	2022-01-01	160
Number of participants with account balances	2022-01-01	91
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2022-01-01	19
2021: CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2021 401k membership
Total participants, beginning-of-year	2021-01-01	167
Total number of active participants reported on line 7a of the Form 5500	2021-01-01	118
Number of retired or separated participants receiving benefits	2021-01-01	0
Number of other retired or separated participants entitled to future benefits	2021-01-01	32
Total of all active and inactive participants	2021-01-01	150
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2021-01-01	0
Total participants	2021-01-01	150
Number of participants with account balances	2021-01-01	90
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2021-01-01	17
2020: CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2020 401k membership
Total participants, beginning-of-year	2020-01-01	154
Total number of active participants reported on line 7a of the Form 5500	2020-01-01	117
Number of retired or separated participants receiving benefits	2020-01-01	0
Number of other retired or separated participants entitled to future benefits	2020-01-01	31
Total of all active and inactive participants	2020-01-01	148
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2020-01-01	0
Total participants	2020-01-01	148
Number of participants with account balances	2020-01-01	86
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2020-01-01	16
2019: CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2019 401k membership
Total participants, beginning-of-year	2019-01-01	147
Total number of active participants reported on line 7a of the Form 5500	2019-01-01	105
Number of retired or separated participants receiving benefits	2019-01-01	0
Number of other retired or separated participants entitled to future benefits	2019-01-01	22
Total of all active and inactive participants	2019-01-01	127
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2019-01-01	0
Total participants	2019-01-01	127
Number of participants with account balances	2019-01-01	79
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2019-01-01	10
2018: CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2018 401k membership
Total participants, beginning-of-year	2018-01-01	141
Total number of active participants reported on line 7a of the Form 5500	2018-01-01	103
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	21
Total of all active and inactive participants	2018-01-01	124
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2018-01-01	0
Total participants	2018-01-01	124
Number of participants with account balances	2018-01-01	75
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-01-01	13
2017: CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2017 401k membership
Total participants, beginning-of-year	2017-01-01	138
Total number of active participants reported on line 7a of the Form 5500	2017-01-01	113
Number of retired or separated participants receiving benefits	2017-01-01	0
Number of other retired or separated participants entitled to future benefits	2017-01-01	15
Total of all active and inactive participants	2017-01-01	128
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2017-01-01	0
Total participants	2017-01-01	128
Number of participants with account balances	2017-01-01	72
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-01-01	8
2016: CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2016 401k membership
Total participants, beginning-of-year	2016-01-01	150
Total number of active participants reported on line 7a of the Form 5500	2016-01-01	100
Number of retired or separated participants receiving benefits	2016-01-01	0
Number of other retired or separated participants entitled to future benefits	2016-01-01	13
Total of all active and inactive participants	2016-01-01	113
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2016-01-01	0
Total participants	2016-01-01	113
Number of participants with account balances	2016-01-01	56
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2016-01-01	3
2015: CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2015 401k membership
Total participants, beginning-of-year	2015-01-01	141
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	118
Number of retired or separated participants receiving benefits	2015-01-01	0
Number of other retired or separated participants entitled to future benefits	2015-01-01	16
Total of all active and inactive participants	2015-01-01	134
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	0
Total participants	2015-01-01	134
Number of participants with account balances	2015-01-01	61
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	5
2014: CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	148
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	105
Number of retired or separated participants receiving benefits	2014-01-01	0
Number of other retired or separated participants entitled to future benefits	2014-01-01	17
Total of all active and inactive participants	2014-01-01	122
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	122
Number of participants with account balances	2014-01-01	57
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	6

Financial Data on CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN

Measure	Date	Value
2022 : CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2022 401k financial data
Total unrealized appreciation/depreciation of assets	2022-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-12-31	$0
Total income from all sources (including contributions)	2022-12-31	$-169,998
Total loss/gain on sale of assets	2022-12-31	$0
Total of all expenses incurred	2022-12-31	$235,136
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2022-12-31	$226,736
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2022-12-31	$522,239
Value of total assets at end of year	2022-12-31	$3,590,311
Value of total assets at beginning of year	2022-12-31	$3,995,445
Total of administrative expenses incurred including professional, contract, advisory and management fees	2022-12-31	$8,400
Total interest from all sources	2022-12-31	$366
Total dividends received (eg from common stock, registered investment company shares)	2022-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2022-12-31	No
Was this plan covered by a fidelity bond	2022-12-31	Yes
Value of fidelity bond cover	2022-12-31	$400,000
If this is an individual account plan, was there a blackout period	2022-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2022-12-31	No
Contributions received from participants	2022-12-31	$468,339
Participant contributions at end of year	2022-12-31	$12,054
Participant contributions at beginning of year	2022-12-31	$2,784
Participant contributions at end of year	2022-12-31	$7,564
Participant contributions at beginning of year	2022-12-31	$6,980
Income. Received or receivable in cash from other sources (including rollovers)	2022-12-31	$0
Administrative expenses (other) incurred	2022-12-31	$7,883
Total non interest bearing cash at end of year	2022-12-31	$8,574
Total non interest bearing cash at beginning of year	2022-12-31	$6,640
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-12-31	No
Value of net income/loss	2022-12-31	$-405,134
Value of net assets at end of year (total assets less liabilities)	2022-12-31	$3,590,311
Value of net assets at beginning of year (total assets less liabilities)	2022-12-31	$3,995,445
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2022-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2022-12-31	No
Were any leases to which the plan was party in default or uncollectible	2022-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2022-12-31	$0
Value of interest in pooled separate accounts at end of year	2022-12-31	$3,508,219
Value of interest in pooled separate accounts at beginning of year	2022-12-31	$3,927,742
Interest on participant loans	2022-12-31	$366
Net investment gain/loss from pooled separate accounts	2022-12-31	$-692,603
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2022-12-31	No
Was there a failure to transmit to the plan any participant contributions	2022-12-31	No
Has the plan failed to provide any benefit when due under the plan	2022-12-31	No
Contributions received in cash from employer	2022-12-31	$53,900
Employer contributions (assets) at end of year	2022-12-31	$53,900
Employer contributions (assets) at beginning of year	2022-12-31	$51,299
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2022-12-31	$226,736
Contract administrator fees	2022-12-31	$517
Did the plan have assets held for investment	2022-12-31	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	2022-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2022-12-31	No
Opinion of an independent qualified public accountant for this plan	2022-12-31	Unqualified
Accountancy firm name	2022-12-31	FREED MAXICK CPAS, P.C.
Accountancy firm EIN	2022-12-31	454051133
2021 : CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2021 401k financial data
Total unrealized appreciation/depreciation of assets	2021-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-12-31	$2,197
Total income from all sources (including contributions)	2021-12-31	$959,240
Total loss/gain on sale of assets	2021-12-31	$0
Total of all expenses incurred	2021-12-31	$275,011
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2021-12-31	$267,654
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2021-12-31	$504,364
Value of total assets at end of year	2021-12-31	$3,995,445
Value of total assets at beginning of year	2021-12-31	$3,313,413
Total of administrative expenses incurred including professional, contract, advisory and management fees	2021-12-31	$7,357
Total interest from all sources	2021-12-31	$97
Total dividends received (eg from common stock, registered investment company shares)	2021-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2021-12-31	No
Was this plan covered by a fidelity bond	2021-12-31	Yes
Value of fidelity bond cover	2021-12-31	$400,000
If this is an individual account plan, was there a blackout period	2021-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2021-12-31	No
Contributions received from participants	2021-12-31	$430,866
Participant contributions at end of year	2021-12-31	$2,784
Participant contributions at beginning of year	2021-12-31	$0
Participant contributions at end of year	2021-12-31	$6,980
Participant contributions at beginning of year	2021-12-31	$4,807
Income. Received or receivable in cash from other sources (including rollovers)	2021-12-31	$22,199
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2021-12-31	$2,197
Administrative expenses (other) incurred	2021-12-31	$6,971
Total non interest bearing cash at end of year	2021-12-31	$6,640
Total non interest bearing cash at beginning of year	2021-12-31	$4,455
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-12-31	No
Income. Non cash contributions	2021-12-31	$0
Value of net income/loss	2021-12-31	$684,229
Value of net assets at end of year (total assets less liabilities)	2021-12-31	$3,995,445
Value of net assets at beginning of year (total assets less liabilities)	2021-12-31	$3,311,216
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2021-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2021-12-31	No
Were any leases to which the plan was party in default or uncollectible	2021-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2021-12-31	$0
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2021-12-31	$0
Value of interest in pooled separate accounts at end of year	2021-12-31	$3,927,742
Value of interest in pooled separate accounts at beginning of year	2021-12-31	$3,257,934
Interest on participant loans	2021-12-31	$97
Net investment gain/loss from pooled separate accounts	2021-12-31	$454,779
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2021-12-31	No
Was there a failure to transmit to the plan any participant contributions	2021-12-31	No
Has the plan failed to provide any benefit when due under the plan	2021-12-31	No
Contributions received in cash from employer	2021-12-31	$51,299
Employer contributions (assets) at end of year	2021-12-31	$51,299
Employer contributions (assets) at beginning of year	2021-12-31	$46,217
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2021-12-31	$267,654
Contract administrator fees	2021-12-31	$386
Did the plan have assets held for investment	2021-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2021-12-31	No
Opinion of an independent qualified public accountant for this plan	2021-12-31	Unqualified
Accountancy firm name	2021-12-31	FREED MAXICK CPAS, P.C.
Accountancy firm EIN	2021-12-31	454051133
2020 : CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2020 401k financial data
Total unrealized appreciation/depreciation of assets	2020-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$2,197
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$100
Total income from all sources (including contributions)	2020-12-31	$848,804
Total loss/gain on sale of assets	2020-12-31	$0
Total of all expenses incurred	2020-12-31	$152,902
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2020-12-31	$142,776
Expenses. Certain deemed distributions of participant loans	2020-12-31	$1,656
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2020-12-31	$427,104
Value of total assets at end of year	2020-12-31	$3,313,413
Value of total assets at beginning of year	2020-12-31	$2,615,414
Total of administrative expenses incurred including professional, contract, advisory and management fees	2020-12-31	$8,470
Total interest from all sources	2020-12-31	$132
Total dividends received (eg from common stock, registered investment company shares)	2020-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2020-12-31	No
Was this plan covered by a fidelity bond	2020-12-31	Yes
Value of fidelity bond cover	2020-12-31	$335,000
If this is an individual account plan, was there a blackout period	2020-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2020-12-31	No
Contributions received from participants	2020-12-31	$346,413
Participant contributions at end of year	2020-12-31	$0
Participant contributions at beginning of year	2020-12-31	$2,962
Participant contributions at end of year	2020-12-31	$4,807
Participant contributions at beginning of year	2020-12-31	$4,750
Income. Received or receivable in cash from other sources (including rollovers)	2020-12-31	$34,474
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2020-12-31	$2,197
Administrative expenses (other) incurred	2020-12-31	$8,026
Liabilities. Value of operating payables at beginning of year	2020-12-31	$100
Total non interest bearing cash at end of year	2020-12-31	$4,455
Total non interest bearing cash at beginning of year	2020-12-31	$5,301
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2020-12-31	No
Value of net income/loss	2020-12-31	$695,902
Value of net assets at end of year (total assets less liabilities)	2020-12-31	$3,311,216
Value of net assets at beginning of year (total assets less liabilities)	2020-12-31	$2,615,314
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2020-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2020-12-31	No
Were any leases to which the plan was party in default or uncollectible	2020-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2020-12-31	$0
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2020-12-31	$0
Value of interest in pooled separate accounts at end of year	2020-12-31	$3,257,934
Value of interest in pooled separate accounts at beginning of year	2020-12-31	$2,564,227
Interest on participant loans	2020-12-31	$132
Value of interest in master investment trust accounts at beginning of year	2020-12-31	$0
Net investment gain/loss from pooled separate accounts	2020-12-31	$421,568
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2020-12-31	No
Was there a failure to transmit to the plan any participant contributions	2020-12-31	No
Has the plan failed to provide any benefit when due under the plan	2020-12-31	No
Contributions received in cash from employer	2020-12-31	$46,217
Employer contributions (assets) at end of year	2020-12-31	$46,217
Employer contributions (assets) at beginning of year	2020-12-31	$38,174
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2020-12-31	$142,776
Contract administrator fees	2020-12-31	$444
Did the plan have assets held for investment	2020-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2020-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2020-12-31	No
Opinion of an independent qualified public accountant for this plan	2020-12-31	Disclaimer
Accountancy firm name	2020-12-31	FREED MAXICK CPAS, P.C.
Accountancy firm EIN	2020-12-31	454051133
2019 : CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2019 401k financial data
Total unrealized appreciation/depreciation of assets	2019-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$100
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total income from all sources (including contributions)	2019-12-31	$756,084
Total loss/gain on sale of assets	2019-12-31	$0
Total of all expenses incurred	2019-12-31	$95,680
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$88,366
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$330,375
Value of total assets at end of year	2019-12-31	$2,615,414
Value of total assets at beginning of year	2019-12-31	$1,954,910
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-12-31	$7,314
Total interest from all sources	2019-12-31	$407
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2019-12-31	No
Was this plan covered by a fidelity bond	2019-12-31	Yes
Value of fidelity bond cover	2019-12-31	$150,000
If this is an individual account plan, was there a blackout period	2019-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2019-12-31	No
Contributions received from participants	2019-12-31	$292,251
Participant contributions at end of year	2019-12-31	$2,962
Participant contributions at beginning of year	2019-12-31	$10,360
Participant contributions at end of year	2019-12-31	$4,750
Participant contributions at beginning of year	2019-12-31	$5,654
Income. Received or receivable in cash from other sources (including rollovers)	2019-12-31	$0
Administrative expenses (other) incurred	2019-12-31	$6,904
Liabilities. Value of operating payables at end of year	2019-12-31	$100
Total non interest bearing cash at end of year	2019-12-31	$5,301
Total non interest bearing cash at beginning of year	2019-12-31	$4,779
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Value of net income/loss	2019-12-31	$660,404
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$2,615,314
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$1,954,910
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2019-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2019-12-31	No
Were any leases to which the plan was party in default or uncollectible	2019-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2019-12-31	$2,564,227
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2019-12-31	$1,897,613
Interest on participant loans	2019-12-31	$407
Net investment gain/loss from pooled separate accounts	2019-12-31	$425,302
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2019-12-31	No
Was there a failure to transmit to the plan any participant contributions	2019-12-31	No
Has the plan failed to provide any benefit when due under the plan	2019-12-31	No
Contributions received in cash from employer	2019-12-31	$38,124
Employer contributions (assets) at end of year	2019-12-31	$38,174
Employer contributions (assets) at beginning of year	2019-12-31	$36,504
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-12-31	$88,366
Contract administrator fees	2019-12-31	$410
Did the plan have assets held for investment	2019-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2019-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2019-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2019-12-31	Disclaimer
Accountancy firm name	2019-12-31	FREED MAXICK CPAS, P.C.
Accountancy firm EIN	2019-12-31	454051133
2018 : CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2018 401k financial data
Total unrealized appreciation/depreciation of assets	2018-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$0
Total income from all sources (including contributions)	2018-12-31	$207,763
Total loss/gain on sale of assets	2018-12-31	$0
Total of all expenses incurred	2018-12-31	$202,070
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2018-12-31	$199,270
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2018-12-31	$354,349
Value of total assets at end of year	2018-12-31	$1,954,910
Value of total assets at beginning of year	2018-12-31	$1,949,217
Total of administrative expenses incurred including professional, contract, advisory and management fees	2018-12-31	$2,800
Total interest from all sources	2018-12-31	$76
Total dividends received (eg from common stock, registered investment company shares)	2018-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2018-12-31	No
Was this plan covered by a fidelity bond	2018-12-31	Yes
Value of fidelity bond cover	2018-12-31	$150,000
If this is an individual account plan, was there a blackout period	2018-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2018-12-31	No
Contributions received from participants	2018-12-31	$278,180
Participant contributions at end of year	2018-12-31	$10,360
Participant contributions at beginning of year	2018-12-31	$1,553
Participant contributions at end of year	2018-12-31	$5,654
Participant contributions at beginning of year	2018-12-31	$23,156
Income. Received or receivable in cash from other sources (including rollovers)	2018-12-31	$39,583
Administrative expenses (other) incurred	2018-12-31	$2,436
Total non interest bearing cash at end of year	2018-12-31	$4,779
Total non interest bearing cash at beginning of year	2018-12-31	$4,605
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-12-31	No
Value of net income/loss	2018-12-31	$5,693
Value of net assets at end of year (total assets less liabilities)	2018-12-31	$1,954,910
Value of net assets at beginning of year (total assets less liabilities)	2018-12-31	$1,949,217
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2018-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2018-12-31	No
Were any leases to which the plan was party in default or uncollectible	2018-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2018-12-31	$1,897,613
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2018-12-31	$1,888,374
Interest on participant loans	2018-12-31	$76
Net investment gain/loss from pooled separate accounts	2018-12-31	$-146,662
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2018-12-31	No
Was there a failure to transmit to the plan any participant contributions	2018-12-31	No
Has the plan failed to provide any benefit when due under the plan	2018-12-31	No
Contributions received in cash from employer	2018-12-31	$36,586
Employer contributions (assets) at end of year	2018-12-31	$36,504
Employer contributions (assets) at beginning of year	2018-12-31	$31,529
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2018-12-31	$199,270
Contract administrator fees	2018-12-31	$364
Did the plan have assets held for investment	2018-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2018-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2018-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2018-12-31	Disclaimer
Accountancy firm name	2018-12-31	FREED MAXICK CPAS, P.C.
Accountancy firm EIN	2018-12-31	454051133
2017 : CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2017 401k financial data
Total unrealized appreciation/depreciation of assets	2017-12-31	$0
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	$515,104
Total loss/gain on sale of assets	2017-12-31	$0
Total of all expenses incurred	2017-12-31	$453,572
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2017-12-31	$451,897
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2017-12-31	$258,725
Value of total assets at end of year	2017-12-31	$1,949,217
Value of total assets at beginning of year	2017-12-31	$1,887,685
Total of administrative expenses incurred including professional, contract, advisory and management fees	2017-12-31	$1,675
Total interest from all sources	2017-12-31	$71
Total dividends received (eg from common stock, registered investment company shares)	2017-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2017-12-31	No
Was this plan covered by a fidelity bond	2017-12-31	Yes
Value of fidelity bond cover	2017-12-31	$150,000
If this is an individual account plan, was there a blackout period	2017-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2017-12-31	No
Contributions received from participants	2017-12-31	$227,122
Participant contributions at end of year	2017-12-31	$1,553
Participant contributions at beginning of year	2017-12-31	$20,042
Participant contributions at end of year	2017-12-31	$23,156
Participant contributions at beginning of year	2017-12-31	$15,374
Income. Received or receivable in cash from other sources (including rollovers)	2017-12-31	$74
Administrative expenses (other) incurred	2017-12-31	$1,350
Total non interest bearing cash at end of year	2017-12-31	$4,605
Total non interest bearing cash at beginning of year	2017-12-31	$3,641
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	$61,532
Value of net assets at end of year (total assets less liabilities)	2017-12-31	$1,949,217
Value of net assets at beginning of year (total assets less liabilities)	2017-12-31	$1,887,685
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
Value of interest in registered invesment companies (eg mutual funds) at end of year	2017-12-31	$1,888,374
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2017-12-31	$1,824,256
Interest on participant loans	2017-12-31	$71
Net investment gain/loss from pooled separate accounts	2017-12-31	$256,308
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	Yes
Has the plan failed to provide any benefit when due under the plan	2017-12-31	No
Contributions received in cash from employer	2017-12-31	$31,529
Employer contributions (assets) at end of year	2017-12-31	$31,529
Employer contributions (assets) at beginning of year	2017-12-31	$24,372
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2017-12-31	$451,897
Contract administrator fees	2017-12-31	$325
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	FREED MAXICK CPAS, P.C.
Accountancy firm EIN	2017-12-31	454051133
2016 : CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING 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	$561
Total income from all sources (including contributions)	2016-12-31	$339,341
Total loss/gain on sale of assets	2016-12-31	$0
Total of all expenses incurred	2016-12-31	$259,261
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2016-12-31	$257,727
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2016-12-31	$197,746
Value of total assets at end of year	2016-12-31	$1,887,685
Value of total assets at beginning of year	2016-12-31	$1,808,166
Total of administrative expenses incurred including professional, contract, advisory and management fees	2016-12-31	$1,534
Total interest from all sources	2016-12-31	$518
Total dividends received (eg from common stock, registered investment company shares)	2016-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2016-12-31	No
Was this plan covered by a fidelity bond	2016-12-31	Yes
Value of fidelity bond cover	2016-12-31	$181,000
If this is an individual account plan, was there a blackout period	2016-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2016-12-31	No
Contributions received from participants	2016-12-31	$173,385
Participant contributions at end of year	2016-12-31	$20,042
Participant contributions at beginning of year	2016-12-31	$5,186
Participant contributions at end of year	2016-12-31	$15,374
Income. Received or receivable in cash from other sources (including rollovers)	2016-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2016-12-31	$48
Administrative expenses (other) incurred	2016-12-31	$1,450
Total non interest bearing cash at end of year	2016-12-31	$3,641
Total non interest bearing cash at beginning of year	2016-12-31	$1,117
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	$80,080
Value of net assets at end of year (total assets less liabilities)	2016-12-31	$1,887,685
Value of net assets at beginning of year (total assets less liabilities)	2016-12-31	$1,807,605
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	$1,824,256
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2016-12-31	$1,775,561
Interest on participant loans	2016-12-31	$518
Net investment gain/loss from pooled separate accounts	2016-12-31	$141,077
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	Yes
Has the plan failed to provide any benefit when due under the plan	2016-12-31	No
Contributions received in cash from employer	2016-12-31	$24,361
Employer contributions (assets) at end of year	2016-12-31	$24,372
Employer contributions (assets) at beginning of year	2016-12-31	$26,254
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2016-12-31	$257,727
Contract administrator fees	2016-12-31	$84
Liabilities. Value of benefit claims payable at beginning of year	2016-12-31	$561
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	FREED MAXICK CPAS, P.C.
Accountancy firm EIN	2016-12-31	454051133
2015 : CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING 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	$561
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$600
Total income from all sources (including contributions)	2015-12-31	$194,291
Total loss/gain on sale of assets	2015-12-31	$0
Total of all expenses incurred	2015-12-31	$93,048
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$82,441
Value of total corrective distributions	2015-12-31	$10,541
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$221,764
Value of total assets at end of year	2015-12-31	$1,808,166
Value of total assets at beginning of year	2015-12-31	$1,706,962
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$66
Total interest from all sources	2015-12-31	$184
Total dividends received (eg from common stock, registered investment company shares)	2015-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2015-12-31	No
Was this plan covered by a fidelity bond	2015-12-31	Yes
Value of fidelity bond cover	2015-12-31	$180,000
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	$193,477
Participant contributions at end of year	2015-12-31	$5,186
Participant contributions at beginning of year	2015-12-31	$6,238
Income. Received or receivable in cash from other sources (including rollovers)	2015-12-31	$2,033
Value of other receiveables (less allowance for doubtful accounts) at end of year	2015-12-31	$48
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2015-12-31	$51
Other income not declared elsewhere	2015-12-31	$93
Administrative expenses (other) incurred	2015-12-31	$0
Total non interest bearing cash at end of year	2015-12-31	$1,117
Total non interest bearing cash at beginning of year	2015-12-31	$114
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	$101,243
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$1,807,605
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$1,706,362
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	$1,775,561
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2015-12-31	$1,676,800
Value of interest in pooled separate accounts at beginning of year	2015-12-31	$0
Interest on participant loans	2015-12-31	$184
Net investment gain/loss from pooled separate accounts	2015-12-31	$-27,750
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	Yes
Has the plan failed to provide any benefit when due under the plan	2015-12-31	No
Contributions received in cash from employer	2015-12-31	$26,254
Employer contributions (assets) at end of year	2015-12-31	$26,254
Employer contributions (assets) at beginning of year	2015-12-31	$23,759
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$82,441
Contract administrator fees	2015-12-31	$66
Liabilities. Value of benefit claims payable at end of year	2015-12-31	$561
Liabilities. Value of benefit claims payable at beginning of year	2015-12-31	$600
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	FREED MAXICK CPAS, P.C.
Accountancy firm EIN	2015-12-31	454051133
2014 : CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING 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	$600
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	$280,760
Total loss/gain on sale of assets	2014-12-31	$0
Total of all expenses incurred	2014-12-31	$264,734
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$250,716
Value of total corrective distributions	2014-12-31	$13,964
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$197,684
Value of total assets at end of year	2014-12-31	$1,706,962
Value of total assets at beginning of year	2014-12-31	$1,690,336
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$54
Total interest from all sources	2014-12-31	$197
Total dividends received (eg from common stock, registered investment company shares)	2014-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-31	No
Was this plan covered by a fidelity bond	2014-12-31	Yes
Value of fidelity bond cover	2014-12-31	$175,000
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	$171,427
Participant contributions at end of year	2014-12-31	$6,238
Participant contributions at beginning of year	2014-12-31	$4,161
Income. Received or receivable in cash from other sources (including rollovers)	2014-12-31	$3,098
Value of other receiveables (less allowance for doubtful accounts) at end of year	2014-12-31	$51
Administrative expenses (other) incurred	2014-12-31	$0
Total non interest bearing cash at end of year	2014-12-31	$114
Total non interest bearing cash at beginning of year	2014-12-31	$2,100
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Value of net income/loss	2014-12-31	$16,026
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$1,706,362
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$1,690,336
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	$1,676,800
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2014-12-31	$1,664,111
Value of interest in pooled separate accounts at end of year	2014-12-31	$0
Value of interest in pooled separate accounts at beginning of year	2014-12-31	$0
Interest on participant loans	2014-12-31	$197
Net investment gain/loss from pooled separate accounts	2014-12-31	$82,879
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	$23,159
Employer contributions (assets) at end of year	2014-12-31	$23,759
Employer contributions (assets) at beginning of year	2014-12-31	$19,964
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$250,716
Contract administrator fees	2014-12-31	$54
Liabilities. Value of benefit claims payable at end of year	2014-12-31	$600
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	FREED MAXICK CPAS, P.C.
Accountancy firm EIN	2014-12-31	454051133

Form 5500 Responses for CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN

2022: CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2022 form 5500 responses
2022-01-01	Type of plan entity	Single employer plan
2022-01-01	Submission has been amended	No
2022-01-01	This submission is the final filing	No
2022-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2022-01-01	Plan is a collectively bargained plan	No
2022-01-01	Plan funding arrangement – Insurance	Yes
2022-01-01	Plan funding arrangement – Trust	Yes
2022-01-01	Plan benefit arrangement - Trust	Yes
2021: CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2021 form 5500 responses
2021-01-01	Type of plan entity	Single employer plan
2021-01-01	Submission has been amended	No
2021-01-01	This submission is the final filing	No
2021-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2021-01-01	Plan is a collectively bargained plan	No
2021-01-01	Plan funding arrangement – Insurance	Yes
2021-01-01	Plan funding arrangement – Trust	Yes
2021-01-01	Plan benefit arrangement - Trust	Yes
2020: CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2020 form 5500 responses
2020-01-01	Type of plan entity	Single employer plan
2020-01-01	Submission has been amended	No
2020-01-01	This submission is the final filing	No
2020-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2020-01-01	Plan is a collectively bargained plan	No
2020-01-01	Plan funding arrangement – Insurance	Yes
2020-01-01	Plan funding arrangement – Trust	Yes
2020-01-01	Plan benefit arrangement - Trust	Yes
2019: CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2019 form 5500 responses
2019-01-01	Type of plan entity	Single employer plan
2019-01-01	Submission has been amended	No
2019-01-01	This submission is the final filing	No
2019-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2019-01-01	Plan is a collectively bargained plan	No
2019-01-01	Plan funding arrangement – Insurance	Yes
2019-01-01	Plan funding arrangement – Trust	Yes
2019-01-01	Plan benefit arrangement - Trust	Yes
2018: CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING PLAN 2018 form 5500 responses
2018-01-01	Type of plan entity	Single employer plan
2018-01-01	Submission has been amended	No
2018-01-01	This submission is the final filing	No
2018-01-01	This return/report is a short plan year return/report (less than 12 months)	No
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 - Trust	Yes
2017: CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING 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 - Trust	Yes
2016: CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING 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 - Trust	Yes
2015: CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING 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 - Trust	Yes
2014: CLOVER MANAGEMENT, INC. 401(K) PROFIT SHARING 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 - Trust	Yes

Insurance Providers Used on plan

JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK (National Association of Insurance Commissioners NAIC id number: 86375 )

Policy contract number

800066

Policy instance

Insurance contract or identification number	800066
Insurance policy start date	2022-01-01
Insurance policy end date	2022-12-31
Total amount of commissions paid to insurance broker	USD $12,366
Total amount of fees paid to insurance company	USD $9,725
Commission paid to Insurance Broker	USD $12,366
Insurance broker organization code?	3
Amount paid for insurance broker fees	9725

JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK (National Association of Insurance Commissioners NAIC id number: 86375 )

Policy contract number

800066

Policy instance

Insurance contract or identification number	800066
Insurance policy start date	2021-01-01
Insurance policy end date	2021-12-31
Total amount of commissions paid to insurance broker	USD $12,496
Total amount of fees paid to insurance company	USD $8,857
Commission paid to Insurance Broker	USD $12,496
Amount paid for insurance broker fees	0
Additional information about fees paid to insurance broker	N/A
Insurance broker organization code?	3

JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK (National Association of Insurance Commissioners NAIC id number: 86375 )

Policy contract number

800066

Policy instance

Insurance contract or identification number	800066
Number of Individuals Covered	91
Insurance policy start date	2020-01-01
Insurance policy end date	2020-12-31
Total amount of commissions paid to insurance broker	USD $9,399
Total amount of fees paid to insurance company	USD $9,369
Commission paid to Insurance Broker	USD $9,399
Amount paid for insurance broker fees	0
Additional information about fees paid to insurance broker	N/A
Insurance broker organization code?	3

JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK (National Association of Insurance Commissioners NAIC id number: 86375 )

Policy contract number

800066

Policy instance

Insurance contract or identification number	800066
Number of Individuals Covered	87
Insurance policy start date	2019-01-01
Insurance policy end date	2019-12-31
Total amount of commissions paid to insurance broker	USD $7,845
Total amount of fees paid to insurance company	USD $8,025
Commission paid to Insurance Broker	USD $7,845
Amount paid for insurance broker fees	0
Additional information about fees paid to insurance broker	N/A
Insurance broker organization code?	3

JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK (National Association of Insurance Commissioners NAIC id number: 86375 )

Policy contract number

800066

Policy instance

Insurance contract or identification number	800066
Number of Individuals Covered	77
Insurance policy start date	2018-01-01
Insurance policy end date	2018-12-31
Total amount of commissions paid to insurance broker	USD $9,236
Total amount of fees paid to insurance company	USD $5,275
Commission paid to Insurance Broker	USD $9,236
Amount paid for insurance broker fees	0
Additional information about fees paid to insurance broker	N/A
Insurance broker organization code?	3

JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK (National Association of Insurance Commissioners NAIC id number: 86375 )

Policy contract number

800066

Policy instance

Insurance contract or identification number	800066
Number of Individuals Covered	77
Insurance policy start date	2017-01-01
Insurance policy end date	2017-12-31
Total amount of commissions paid to insurance broker	USD $8,567
Total amount of fees paid to insurance company	USD $2,208
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $8,567
Amount paid for insurance broker fees	0
Additional information about fees paid to insurance broker	N/A
Insurance broker organization code?	3
Insurance broker name	DUNCAN ACCOUNTING & TAX SERVICES

JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK (National Association of Insurance Commissioners NAIC id number: 86375 )

Policy contract number

800066

Policy instance

Insurance contract or identification number	800066
Number of Individuals Covered	66
Insurance policy start date	2015-01-01
Insurance policy end date	2015-12-31
Total amount of commissions paid to insurance broker	USD $8,876
Total amount of fees paid to insurance company	USD $0
Commission paid to Insurance Broker	USD $2,219
Amount paid for insurance broker fees	0
Additional information about fees paid to insurance broker	N/A
Insurance broker organization code?	3
Insurance broker name	STUART SCHEFF

JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK (National Association of Insurance Commissioners NAIC id number: 86375 )

Policy contract number

800066

Policy instance

Insurance contract or identification number	800066
Number of Individuals Covered	63
Insurance policy start date	2014-01-01
Insurance policy end date	2014-12-31
Total amount of commissions paid to insurance broker	USD $8,328
Total amount of fees paid to insurance company	USD $0
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $2,082
Amount paid for insurance broker fees	0
Additional information about fees paid to insurance broker	N/A
Insurance broker organization code?	3
Insurance broker name	STUART SCHEFF

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Company Name:	CLOVER MANAGEMENT, INC.
Employer identification number (EIN):	133559931
NAIC Classification:	531310

Jurisdiction of Incorporation:	Nevada Department of State
Incorporation Date:	2003-05-16
Company Identification Number:	20031351970