401k Plan data: ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN

ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 401k Plan overview

Plan Name	ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K)
Plan identification number	001

ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.

401k Sponsoring company profile

ROSS MORTGAGE CORPORATION has sponsored the creation of one or more 401k plans.

Company Name: ROSS MORTGAGE CORPORATION

Employer identification number (EIN): 381332826

NAIC Classification: 522291
NAIC Description: Consumer Lending

Form 5500 Filing Information

Submission information for form 5500 for 401k plan ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K)

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2022-01-01
001 2021-01-01
001 2020-01-01
001 2019-01-01
001 2018-01-01
001 2017-01-01 BETSY CORKUM
001 2016-01-01 BETSY CORKUM
001 2015-01-01 BETSY CORKUM
001 2014-01-01 BETSY CORKUM 2015-10-07
001 2013-01-01 BETSY CORKUM 2014-10-13
001 2012-01-01 BETSY CORKUM 2013-10-11
001 2011-01-01 BETSY CORKUM 2012-10-15
001 2010-01-01 BETSY CORKUM 2011-09-26

Plan id#	Filing Submission Date	Name of Administrator	Date Administrator Signed
001	2022-01-01
001	2021-01-01
001	2020-01-01
001	2019-01-01
001	2018-01-01
001	2017-01-01	BETSY CORKUM
001	2016-01-01	BETSY CORKUM
001	2015-01-01	BETSY CORKUM
001	2014-01-01	BETSY CORKUM	2015-10-07
001	2013-01-01	BETSY CORKUM	2014-10-13
001	2012-01-01	BETSY CORKUM	2013-10-11
001	2011-01-01	BETSY CORKUM	2012-10-15
001	2010-01-01	BETSY CORKUM	2011-09-26

Plan Statistics for ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K)

401k plan membership statisitcs for ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K)

Measure Date Value
2022: ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 2022 401k membership
Total participants, beginning-of-year 2022-01-01 145
Total number of active participants reported on line 7a of the Form 5500 2022-01-01 85
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 47
Total of all active and inactive participants 2022-01-01 132
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2022-01-01 0
Total participants 2022-01-01 132
Number of participants with account balances 2022-01-01 108
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2022-01-01 0
2021: ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 2021 401k membership
Total participants, beginning-of-year 2021-01-01 166
Total number of active participants reported on line 7a of the Form 5500 2021-01-01 102
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 44
Total of all active and inactive participants 2021-01-01 146
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2021-01-01 0
Total participants 2021-01-01 146
Number of participants with account balances 2021-01-01 119
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2021-01-01 0
2020: ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 2020 401k membership
Total participants, beginning-of-year 2020-01-01 143
Total number of active participants reported on line 7a of the Form 5500 2020-01-01 94
Number of retired or separated participants receiving benefits 2020-01-01 2
Number of other retired or separated participants entitled to future benefits 2020-01-01 47
Total of all active and inactive participants 2020-01-01 143
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2020-01-01 0
Total participants 2020-01-01 143
Number of participants with account balances 2020-01-01 109
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2020-01-01 0
2019: ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 2019 401k membership
Total participants, beginning-of-year 2019-01-01 138
Total number of active participants reported on line 7a of the Form 5500 2019-01-01 106
Number of retired or separated participants receiving benefits 2019-01-01 1
Number of other retired or separated participants entitled to future benefits 2019-01-01 38
Total of all active and inactive participants 2019-01-01 145
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2019-01-01 0
Total participants 2019-01-01 145
Number of participants with account balances 2019-01-01 110
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2019-01-01 0
2018: ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 2018 401k membership
Total participants, beginning-of-year 2018-01-01 136
Total number of active participants reported on line 7a of the Form 5500 2018-01-01 106
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 28
Total of all active and inactive participants 2018-01-01 134
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2018-01-01 0
Total participants 2018-01-01 134
Number of participants with account balances 2018-01-01 108
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-01-01 0
2017: ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 2017 401k membership
Total participants, beginning-of-year 2017-01-01 148
Total number of active participants reported on line 7a of the Form 5500 2017-01-01 111
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 26
Total of all active and inactive participants 2017-01-01 137
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2017-01-01 0
Total participants 2017-01-01 137
Number of participants with account balances 2017-01-01 111
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-01-01 15
2016: ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 2016 401k membership
Total participants, beginning-of-year 2016-01-01 137
Total number of active participants reported on line 7a of the Form 5500 2016-01-01 127
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 19
Total of all active and inactive participants 2016-01-01 149
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2016-01-01 0
Total participants 2016-01-01 149
Number of participants with account balances 2016-01-01 124
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2016-01-01 0
2015: ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 2015 401k membership
Total participants, beginning-of-year 2015-01-01 153
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 119
Number of retired or separated participants receiving benefits 2015-01-01 3
Number of other retired or separated participants entitled to future benefits 2015-01-01 13
Total of all active and inactive participants 2015-01-01 135
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 0
Total participants 2015-01-01 135
Number of participants with account balances 2015-01-01 48
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 0

Measure	Date	Value
2022: ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 2022 401k membership
Total participants, beginning-of-year	2022-01-01	145
Total number of active participants reported on line 7a of the Form 5500	2022-01-01	85
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	47
Total of all active and inactive participants	2022-01-01	132
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2022-01-01	0
Total participants	2022-01-01	132
Number of participants with account balances	2022-01-01	108
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2022-01-01	0
2021: ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 2021 401k membership
Total participants, beginning-of-year	2021-01-01	166
Total number of active participants reported on line 7a of the Form 5500	2021-01-01	102
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	44
Total of all active and inactive participants	2021-01-01	146
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2021-01-01	0
Total participants	2021-01-01	146
Number of participants with account balances	2021-01-01	119
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2021-01-01	0
2020: ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 2020 401k membership
Total participants, beginning-of-year	2020-01-01	143
Total number of active participants reported on line 7a of the Form 5500	2020-01-01	94
Number of retired or separated participants receiving benefits	2020-01-01	2
Number of other retired or separated participants entitled to future benefits	2020-01-01	47
Total of all active and inactive participants	2020-01-01	143
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2020-01-01	0
Total participants	2020-01-01	143
Number of participants with account balances	2020-01-01	109
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2020-01-01	0
2019: ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 2019 401k membership
Total participants, beginning-of-year	2019-01-01	138
Total number of active participants reported on line 7a of the Form 5500	2019-01-01	106
Number of retired or separated participants receiving benefits	2019-01-01	1
Number of other retired or separated participants entitled to future benefits	2019-01-01	38
Total of all active and inactive participants	2019-01-01	145
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2019-01-01	0
Total participants	2019-01-01	145
Number of participants with account balances	2019-01-01	110
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2019-01-01	0
2018: ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 2018 401k membership
Total participants, beginning-of-year	2018-01-01	136
Total number of active participants reported on line 7a of the Form 5500	2018-01-01	106
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	28
Total of all active and inactive participants	2018-01-01	134
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2018-01-01	0
Total participants	2018-01-01	134
Number of participants with account balances	2018-01-01	108
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-01-01	0
2017: ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 2017 401k membership
Total participants, beginning-of-year	2017-01-01	148
Total number of active participants reported on line 7a of the Form 5500	2017-01-01	111
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	26
Total of all active and inactive participants	2017-01-01	137
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2017-01-01	0
Total participants	2017-01-01	137
Number of participants with account balances	2017-01-01	111
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-01-01	15
2016: ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 2016 401k membership
Total participants, beginning-of-year	2016-01-01	137
Total number of active participants reported on line 7a of the Form 5500	2016-01-01	127
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	19
Total of all active and inactive participants	2016-01-01	149
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2016-01-01	0
Total participants	2016-01-01	149
Number of participants with account balances	2016-01-01	124
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2016-01-01	0
2015: ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 2015 401k membership
Total participants, beginning-of-year	2015-01-01	153
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	119
Number of retired or separated participants receiving benefits	2015-01-01	3
Number of other retired or separated participants entitled to future benefits	2015-01-01	13
Total of all active and inactive participants	2015-01-01	135
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	0
Total participants	2015-01-01	135
Number of participants with account balances	2015-01-01	48
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	0

Financial Data on ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K)

Measure	Date	Value
2022 : ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 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	$-775,869
Total loss/gain on sale of assets	2022-12-31	$0
Total of all expenses incurred	2022-12-31	$235,578
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2022-12-31	$203,775
Value of total corrective distributions	2022-12-31	$29,265
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2022-12-31	$552,071
Value of total assets at end of year	2022-12-31	$5,703,962
Value of total assets at beginning of year	2022-12-31	$6,715,409
Total of administrative expenses incurred including professional, contract, advisory and management fees	2022-12-31	$2,538
Total interest from all sources	2022-12-31	$9,481
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	$500,000
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	$510,106
Participant contributions at end of year	2022-12-31	$93,713
Participant contributions at beginning of year	2022-12-31	$80,401
Participant contributions at end of year	2022-12-31	$0
Participant contributions at beginning of year	2022-12-31	$0
Income. Received or receivable in cash from other sources (including rollovers)	2022-12-31	$26,668
Total non interest bearing cash at end of year	2022-12-31	$0
Total non interest bearing cash at beginning of year	2022-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-12-31	No
Income. Non cash contributions	2022-12-31	$0
Value of net income/loss	2022-12-31	$-1,011,447
Value of net assets at end of year (total assets less liabilities)	2022-12-31	$5,703,962
Value of net assets at beginning of year (total assets less liabilities)	2022-12-31	$6,715,409
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
Investment advisory and management fees	2022-12-31	$1,760
Value of interest in pooled separate accounts at end of year	2022-12-31	$5,594,952
Value of interest in pooled separate accounts at beginning of year	2022-12-31	$6,616,761
Interest on participant loans	2022-12-31	$4,675
Interest earned on other investments	2022-12-31	$4,806
Net investment gain/loss from pooled separate accounts	2022-12-31	$-1,337,421
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	$15,297
Employer contributions (assets) at end of year	2022-12-31	$15,297
Employer contributions (assets) at beginning of year	2022-12-31	$18,247
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2022-12-31	$203,775
Contract administrator fees	2022-12-31	$778
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	BERGER, GHERSI & LADUKE PLC
Accountancy firm EIN	2022-12-31	382517534
2021 : ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 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	$0
Total income from all sources (including contributions)	2021-12-31	$1,620,028
Total loss/gain on sale of assets	2021-12-31	$0
Total of all expenses incurred	2021-12-31	$320,026
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2021-12-31	$275,547
Value of total corrective distributions	2021-12-31	$42,854
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2021-12-31	$752,348
Value of total assets at end of year	2021-12-31	$6,715,409
Value of total assets at beginning of year	2021-12-31	$5,415,407
Total of administrative expenses incurred including professional, contract, advisory and management fees	2021-12-31	$1,625
Total interest from all sources	2021-12-31	$10,106
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	$300,000
If this is an individual account plan, was there a blackout period	2021-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2021-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2021-12-31	No
Contributions received from participants	2021-12-31	$596,999
Participant contributions at end of year	2021-12-31	$80,401
Participant contributions at beginning of year	2021-12-31	$95,559
Participant contributions at end of year	2021-12-31	$0
Participant contributions at beginning of year	2021-12-31	$2,000
Income. Received or receivable in cash from other sources (including rollovers)	2021-12-31	$137,102
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
Value of net income/loss	2021-12-31	$1,300,002
Value of net assets at end of year (total assets less liabilities)	2021-12-31	$6,715,409
Value of net assets at beginning of year (total assets less liabilities)	2021-12-31	$5,415,407
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
Investment advisory and management fees	2021-12-31	$950
Value of interest in pooled separate accounts at end of year	2021-12-31	$6,616,761
Value of interest in pooled separate accounts at beginning of year	2021-12-31	$5,303,472
Interest on participant loans	2021-12-31	$5,144
Interest earned on other investments	2021-12-31	$4,962
Net investment gain/loss from pooled separate accounts	2021-12-31	$857,574
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	Yes
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	$18,247
Employer contributions (assets) at end of year	2021-12-31	$18,247
Employer contributions (assets) at beginning of year	2021-12-31	$14,376
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2021-12-31	$275,547
Contract administrator fees	2021-12-31	$675
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	BERGER, GHERSI & LADUKE PLC
Accountancy firm EIN	2021-12-31	382517534
2020 : ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 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	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$0
Total income from all sources (including contributions)	2020-12-31	$1,431,697
Total loss/gain on sale of assets	2020-12-31	$0
Total of all expenses incurred	2020-12-31	$270,033
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2020-12-31	$240,606
Value of total corrective distributions	2020-12-31	$28,026
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2020-12-31	$538,213
Value of total assets at end of year	2020-12-31	$5,415,407
Value of total assets at beginning of year	2020-12-31	$4,253,743
Total of administrative expenses incurred including professional, contract, advisory and management fees	2020-12-31	$1,401
Total interest from all sources	2020-12-31	$10,697
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	$300,000
If this is an individual account plan, was there a blackout period	2020-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2020-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2020-12-31	No
Contributions received from participants	2020-12-31	$493,715
Participant contributions at end of year	2020-12-31	$95,559
Participant contributions at beginning of year	2020-12-31	$159,029
Participant contributions at end of year	2020-12-31	$2,000
Participant contributions at beginning of year	2020-12-31	$-48
Income. Received or receivable in cash from other sources (including rollovers)	2020-12-31	$30,122
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	$1,161,664
Value of net assets at end of year (total assets less liabilities)	2020-12-31	$5,415,407
Value of net assets at beginning of year (total assets less liabilities)	2020-12-31	$4,253,743
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
Investment advisory and management fees	2020-12-31	$800
Value of interest in pooled separate accounts at end of year	2020-12-31	$5,303,472
Value of interest in pooled separate accounts at beginning of year	2020-12-31	$4,080,633
Interest on participant loans	2020-12-31	$7,081
Interest earned on other investments	2020-12-31	$3,616
Net investment gain/loss from pooled separate accounts	2020-12-31	$882,787
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	Yes
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	$14,376
Employer contributions (assets) at end of year	2020-12-31	$14,376
Employer contributions (assets) at beginning of year	2020-12-31	$14,129
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2020-12-31	$240,606
Contract administrator fees	2020-12-31	$601
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	BERGER, GHERSI & LADUKE PLC
Accountancy firm EIN	2020-12-31	382517534
2019 : ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 2019 401k financial data
Total unrealized appreciation/depreciation of assets	2019-12-31	$0
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	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
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	$1,235,245
Total loss/gain on sale of assets	2019-12-31	$0
Total loss/gain on sale of assets	2019-12-31	$0
Total of all expenses incurred	2019-12-31	$632,367
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$609,787
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$609,787
Value of total corrective distributions	2019-12-31	$20,750
Value of total corrective distributions	2019-12-31	$20,750
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$457,515
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$457,515
Value of total assets at end of year	2019-12-31	$4,253,743
Value of total assets at end of year	2019-12-31	$4,253,743
Value of total assets at beginning of year	2019-12-31	$3,650,865
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-12-31	$1,830
Total interest from all sources	2019-12-31	$12,933
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$0
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
Was this plan covered by a fidelity bond	2019-12-31	Yes
Value of fidelity bond cover	2019-12-31	$300,000
Value of fidelity bond cover	2019-12-31	$300,000
If this is an individual account plan, was there a blackout period	2019-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2019-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	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	$443,386
Contributions received from participants	2019-12-31	$443,386
Participant contributions at end of year	2019-12-31	$159,029
Participant contributions at end of year	2019-12-31	$159,029
Participant contributions at beginning of year	2019-12-31	$182,829
Participant contributions at beginning of year	2019-12-31	$182,829
Participant contributions at end of year	2019-12-31	$-48
Participant contributions at end of year	2019-12-31	$-48
Participant contributions at beginning of year	2019-12-31	$284
Participant contributions at beginning of year	2019-12-31	$284
Income. Received or receivable in cash from other sources (including rollovers)	2019-12-31	$0
Income. Received or receivable in cash from other sources (including rollovers)	2019-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
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	$602,878
Value of net income/loss	2019-12-31	$602,878
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$4,253,743
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$4,253,743
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$3,650,865
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$3,650,865
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2019-12-31	No
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 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
Were any leases to which the plan was party in default or uncollectible	2019-12-31	No
Investment advisory and management fees	2019-12-31	$1,050
Investment advisory and management fees	2019-12-31	$1,050
Value of interest in pooled separate accounts at end of year	2019-12-31	$4,080,633
Value of interest in pooled separate accounts at end of year	2019-12-31	$4,080,633
Value of interest in pooled separate accounts at beginning of year	2019-12-31	$3,450,567
Value of interest in pooled separate accounts at beginning of year	2019-12-31	$3,450,567
Interest on participant loans	2019-12-31	$9,838
Interest on participant loans	2019-12-31	$9,838
Interest earned on other investments	2019-12-31	$3,095
Net investment gain/loss from pooled separate accounts	2019-12-31	$764,797
Net investment gain/loss from pooled separate accounts	2019-12-31	$764,797
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	Yes
Was there a failure to transmit to the plan any participant contributions	2019-12-31	Yes
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	$14,129
Contributions received in cash from employer	2019-12-31	$14,129
Employer contributions (assets) at end of year	2019-12-31	$14,129
Employer contributions (assets) at end of year	2019-12-31	$14,129
Employer contributions (assets) at beginning of year	2019-12-31	$17,185
Employer contributions (assets) at beginning of year	2019-12-31	$17,185
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-12-31	$609,787
Contract administrator fees	2019-12-31	$780
Contract administrator fees	2019-12-31	$780
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
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
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	BERGER, GHERSI & LADUKE PLC
Accountancy firm name	2019-12-31	BERGER, GHERSI & LADUKE PLC
Accountancy firm EIN	2019-12-31	382517534
Accountancy firm EIN	2019-12-31	382517534
2018 : ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 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	$271,266
Total loss/gain on sale of assets	2018-12-31	$0
Total of all expenses incurred	2018-12-31	$1,237,130
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2018-12-31	$1,213,532
Value of total corrective distributions	2018-12-31	$21,265
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2018-12-31	$486,720
Value of total assets at end of year	2018-12-31	$3,650,865
Value of total assets at beginning of year	2018-12-31	$4,616,729
Total of administrative expenses incurred including professional, contract, advisory and management fees	2018-12-31	$2,333
Total interest from all sources	2018-12-31	$10,241
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	$300,000
If this is an individual account plan, was there a blackout period	2018-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2018-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2018-12-31	No
Contributions received from participants	2018-12-31	$465,866
Participant contributions at end of year	2018-12-31	$182,829
Participant contributions at beginning of year	2018-12-31	$117,684
Participant contributions at end of year	2018-12-31	$284
Participant contributions at beginning of year	2018-12-31	$74
Income. Received or receivable in cash from other sources (including rollovers)	2018-12-31	$3,969
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	$-965,864
Value of net assets at end of year (total assets less liabilities)	2018-12-31	$3,650,865
Value of net assets at beginning of year (total assets less liabilities)	2018-12-31	$4,616,729
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
Investment advisory and management fees	2018-12-31	$1,600
Value of interest in pooled separate accounts at end of year	2018-12-31	$3,450,567
Value of interest in pooled separate accounts at beginning of year	2018-12-31	$4,474,371
Interest on participant loans	2018-12-31	$6,625
Interest earned on other investments	2018-12-31	$3,616
Net investment gain/loss from pooled separate accounts	2018-12-31	$-225,695
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	Yes
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	$16,885
Employer contributions (assets) at end of year	2018-12-31	$17,185
Employer contributions (assets) at beginning of year	2018-12-31	$24,600
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2018-12-31	$1,213,532
Contract administrator fees	2018-12-31	$733
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	BERGER, GHERSI & LADUKE PLC
Accountancy firm EIN	2018-12-31	382517534
2017 : ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 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	$1,111,424
Total loss/gain on sale of assets	2017-12-31	$0
Total of all expenses incurred	2017-12-31	$205,048
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2017-12-31	$169,315
Value of total corrective distributions	2017-12-31	$33,626
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2017-12-31	$487,529
Value of total assets at end of year	2017-12-31	$4,616,729
Value of total assets at beginning of year	2017-12-31	$3,710,353
Total of administrative expenses incurred including professional, contract, advisory and management fees	2017-12-31	$2,107
Total interest from all sources	2017-12-31	$8,106
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	$300,000
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
Contributions received from participants	2017-12-31	$462,929
Participant contributions at end of year	2017-12-31	$117,684
Participant contributions at beginning of year	2017-12-31	$76,449
Participant contributions at end of year	2017-12-31	$74
Participant contributions at beginning of year	2017-12-31	$269
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	$906,376
Value of net assets at end of year (total assets less liabilities)	2017-12-31	$4,616,729
Value of net assets at beginning of year (total assets less liabilities)	2017-12-31	$3,710,353
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
Investment advisory and management fees	2017-12-31	$1,500
Value of interest in pooled separate accounts at end of year	2017-12-31	$4,474,371
Value of interest in pooled separate accounts at beginning of year	2017-12-31	$3,629,735
Interest on participant loans	2017-12-31	$4,770
Interest earned on other investments	2017-12-31	$3,336
Net investment gain/loss from pooled separate accounts	2017-12-31	$615,789
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	$24,600
Employer contributions (assets) at end of year	2017-12-31	$24,600
Employer contributions (assets) at beginning of year	2017-12-31	$3,900
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2017-12-31	$169,315
Contract administrator fees	2017-12-31	$607
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
Aggregate proceeds on sale of assets	2017-12-31	$0
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	BERGER, GHERSI & LADUKE PLC
Accountancy firm EIN	2017-12-31	382517534
2016 : ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 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	$734,986
Total loss/gain on sale of assets	2016-12-31	$0
Total of all expenses incurred	2016-12-31	$364,388
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2016-12-31	$340,185
Value of total corrective distributions	2016-12-31	$23,421
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2016-12-31	$458,953
Value of total assets at end of year	2016-12-31	$3,710,353
Value of total assets at beginning of year	2016-12-31	$3,339,755
Total of administrative expenses incurred including professional, contract, advisory and management fees	2016-12-31	$782
Total interest from all sources	2016-12-31	$5,934
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	$300,000
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
Contributions received from participants	2016-12-31	$426,898
Participant contributions at end of year	2016-12-31	$76,449
Participant contributions at beginning of year	2016-12-31	$115,796
Participant contributions at end of year	2016-12-31	$269
Participant contributions at beginning of year	2016-12-31	$0
Income. Received or receivable in cash from other sources (including rollovers)	2016-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Value of net income/loss	2016-12-31	$370,598
Value of net assets at end of year (total assets less liabilities)	2016-12-31	$3,710,353
Value of net assets at beginning of year (total assets less liabilities)	2016-12-31	$3,339,755
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 pooled separate accounts at end of year	2016-12-31	$3,629,735
Value of interest in pooled separate accounts at beginning of year	2016-12-31	$3,223,959
Interest on participant loans	2016-12-31	$3,199
Interest earned on other investments	2016-12-31	$2,735
Net investment gain/loss from pooled separate accounts	2016-12-31	$270,099
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	$32,055
Employer contributions (assets) at end of year	2016-12-31	$3,900
Employer contributions (assets) at beginning of year	2016-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2016-12-31	$340,185
Contract administrator fees	2016-12-31	$782
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	BERGER, GHERSI & LADUKE PLC
Accountancy firm EIN	2016-12-31	382517534
2015 : ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 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	$308,098
Total loss/gain on sale of assets	2015-12-31	$0
Total of all expenses incurred	2015-12-31	$607,047
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$532,589
Value of total corrective distributions	2015-12-31	$73,262
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$302,579
Value of total assets at end of year	2015-12-31	$3,339,755
Value of total assets at beginning of year	2015-12-31	$3,638,704
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$1,196
Total interest from all sources	2015-12-31	$7,097
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	$300,000
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	$302,579
Participant contributions at end of year	2015-12-31	$115,796
Participant contributions at beginning of year	2015-12-31	$156,799
Income. Received or receivable in cash from other sources (including rollovers)	2015-12-31	$0
Administrative expenses (other) incurred	2015-12-31	$950
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	$-298,949
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$3,339,755
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$3,638,704
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2015-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2015-12-31	No
Were any leases to which the plan was party in default or uncollectible	2015-12-31	No
Value of interest in pooled separate accounts at end of year	2015-12-31	$3,223,959
Value of interest in pooled separate accounts at beginning of year	2015-12-31	$3,481,905
Interest on participant loans	2015-12-31	$4,414
Interest earned on other investments	2015-12-31	$2,683
Net investment gain/loss from pooled separate accounts	2015-12-31	$-1,578
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	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$532,589
Contract administrator fees	2015-12-31	$246
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	BERGER, GHERSI & LADUKE PLC
Accountancy firm EIN	2015-12-31	382517534

Form 5500 Responses for ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K)

2022: ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 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 – Insurance	Yes
2022-01-01	Plan benefit arrangement - Trust	Yes
2021: ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 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 – Insurance	Yes
2021-01-01	Plan benefit arrangement - Trust	Yes
2020: ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 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 – Insurance	Yes
2020-01-01	Plan benefit arrangement - Trust	Yes
2019: ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 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 – Insurance	Yes
2019-01-01	Plan benefit arrangement - Trust	Yes
2018: ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 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 – Insurance	Yes
2018-01-01	Plan benefit arrangement - Trust	Yes
2017: ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 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: ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 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: ROSS MORTGAGE CORPORATION EMPLOYEE TAX DEFERRED SAVINGS PLAN - 401(K) 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

Insurance Providers Used on plan

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

Policy contract number

96760

Policy instance

Insurance contract or identification number	96760
Number of Individuals Covered	115
Insurance policy start date	2022-01-01
Insurance policy end date	2022-12-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $1,760
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
Commission paid to Insurance Broker	USD $0
Amount paid for insurance broker fees	1760
Additional information about fees paid to insurance broker	TPA FEES PAID
Insurance broker organization code?	5

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

Policy contract number

96760

Policy instance

Insurance contract or identification number	96760
Number of Individuals Covered	126
Insurance policy start date	2021-01-01
Insurance policy end date	2021-12-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $950
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
Commission paid to Insurance Broker	USD $0
Amount paid for insurance broker fees	950
Additional information about fees paid to insurance broker	TPA FEES PAID
Insurance broker organization code?	5

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

Policy contract number

96760

Policy instance

Insurance contract or identification number	96760
Number of Individuals Covered	120
Insurance policy start date	2020-01-01
Insurance policy end date	2020-12-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $800
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
Commission paid to Insurance Broker	USD $0
Amount paid for insurance broker fees	800
Additional information about fees paid to insurance broker	TPA FEES PAID
Insurance broker organization code?	5

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

Policy contract number

96760

Policy instance

Insurance contract or identification number	96760
Number of Individuals Covered	115
Insurance policy start date	2019-01-01
Insurance policy end date	2019-12-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $1,050
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
Commission paid to Insurance Broker	USD $0
Amount paid for insurance broker fees	1050
Additional information about fees paid to insurance broker	TPA FEES PAID
Insurance broker organization code?	5

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

Policy contract number

96760

Policy instance

Insurance contract or identification number	96760
Number of Individuals Covered	113
Insurance policy start date	2018-01-01
Insurance policy end date	2018-12-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $1,600
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
Commission paid to Insurance Broker	USD $0
Amount paid for insurance broker fees	1600
Additional information about fees paid to insurance broker	TPA FEES PAID
Insurance broker organization code?	5

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

Policy contract number

96760

Policy instance

Insurance contract or identification number	96760
Number of Individuals Covered	114
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 $1,500
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
Commission paid to Insurance Broker	USD $0
Amount paid for insurance broker fees	1500
Additional information about fees paid to insurance broker	TPA FEES PAID
Insurance broker organization code?	5
Insurance broker name	KUSHNER & COMPANY

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

Policy contract number

96760

Policy instance

Insurance contract or identification number	96760
Number of Individuals Covered	62
Insurance policy start date	2015-01-01
Insurance policy end date	2015-12-31
Total amount of commissions paid to insurance broker	USD $6,812
Total amount of fees paid to insurance company	USD $3,030
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $6,812
Insurance broker organization code?	3
Amount paid for insurance broker fees	2080
Additional information about fees paid to insurance broker	RIA FEES
Insurance broker name	KUSHNER & COMPANY

Potentially related plans

ROSS MORTGAGE CO INC 401 K PROFIT SHARING PLAN TRUST [EIN = 043579800]

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Company Name:	ROSS MORTGAGE CORPORATION
Employer identification number (EIN):	381332826
NAIC Classification:	522291
NAIC Description:	Consumer Lending