401k Plan data: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN plan

BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 401k Plan overview

Plan Name	BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN
Plan identification number	002

BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT 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.

401k Sponsoring company profile

BRADFORD & GALT, INCORPORATED has sponsored the creation of one or more 401k plans.

Company Name: BRADFORD & GALT, INCORPORATED

Employer identification number (EIN): 431338092

NAIC Classification: 541990
NAIC Description: All Other Professional, Scientific, and Technical Services

Form 5500 Filing Information

Submission information for form 5500 for 401k plan BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
002 2021-01-01
002 2020-01-01
002 2019-01-01
002 2018-01-01
002 2017-01-01 DANNY SEIDEL
002 2016-01-01 DANNY SEIDEL
002 2015-01-01 DANNY SEIDEL
002 2014-01-01 DANNY SEIDEL
002 2013-01-01 KEVIN BROWN
002 2012-01-01 KEVIN BROWN
002 2011-01-01 KEVIN BROWN
002 2009-01-01 KEVIN BROWN

Plan Statistics for BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN

401k plan membership statisitcs for BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN

Measure Date Value
2021: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2021 401k membership
Total participants, beginning-of-year 2021-01-01 327
Total number of active participants reported on line 7a of the Form 5500 2021-01-01 0
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 0
Total of all active and inactive participants 2021-01-01 0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2021-01-01 0
Total participants 2021-01-01 0
Number of participants with account balances 2021-01-01 0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2021-01-01 0
2020: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2020 401k membership
Total participants, beginning-of-year 2020-01-01 349
Total number of active participants reported on line 7a of the Form 5500 2020-01-01 230
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 73
Total of all active and inactive participants 2020-01-01 303
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2020-01-01 0
Total participants 2020-01-01 303
Number of participants with account balances 2020-01-01 166
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2020-01-01 18
2019: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2019 401k membership
Total participants, beginning-of-year 2019-01-01 296
Total number of active participants reported on line 7a of the Form 5500 2019-01-01 292
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 73
Total of all active and inactive participants 2019-01-01 365
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2019-01-01 0
Total participants 2019-01-01 365
Number of participants with account balances 2019-01-01 150
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2019-01-01 16
2018: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2018 401k membership
Total participants, beginning-of-year 2018-01-01 353
Total number of active participants reported on line 7a of the Form 5500 2018-01-01 329
Number of retired or separated participants receiving benefits 2018-01-01 3
Number of other retired or separated participants entitled to future benefits 2018-01-01 81
Total of all active and inactive participants 2018-01-01 413
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2018-01-01 0
Total participants 2018-01-01 413
Number of participants with account balances 2018-01-01 155
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-01-01 14
2017: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2017 401k membership
Total participants, beginning-of-year 2017-01-01 315
Total number of active participants reported on line 7a of the Form 5500 2017-01-01 277
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 81
Total of all active and inactive participants 2017-01-01 358
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2017-01-01 0
Total participants 2017-01-01 358
Number of participants with account balances 2017-01-01 145
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-01-01 33
2016: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2016 401k membership
Total participants, beginning-of-year 2016-01-01 268
Total number of active participants reported on line 7a of the Form 5500 2016-01-01 242
Number of retired or separated participants receiving benefits 2016-01-01 9
Number of other retired or separated participants entitled to future benefits 2016-01-01 74
Total of all active and inactive participants 2016-01-01 325
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2016-01-01 0
Total participants 2016-01-01 325
Number of participants with account balances 2016-01-01 156
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2016-01-01 19
2015: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2015 401k membership
Total participants, beginning-of-year 2015-01-01 270
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 179
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 83
Total of all active and inactive participants 2015-01-01 262
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 0
Total participants 2015-01-01 262
Number of participants with account balances 2015-01-01 149
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 14
2014: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 267
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 175
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 89
Total of all active and inactive participants 2014-01-01 264
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 264
Number of participants with account balances 2014-01-01 150
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 12
2013: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2013 401k membership
Total participants, beginning-of-year 2013-01-01 204
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 165
Number of retired or separated participants receiving benefits 2013-01-01 0
Number of other retired or separated participants entitled to future benefits 2013-01-01 82
Total of all active and inactive participants 2013-01-01 247
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 0
Total participants 2013-01-01 247
Number of participants with account balances 2013-01-01 143
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 8
2012: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2012 401k membership
Total participants, beginning-of-year 2012-01-01 211
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 114
Number of retired or separated participants receiving benefits 2012-01-01 0
Number of other retired or separated participants entitled to future benefits 2012-01-01 84
Total of all active and inactive participants 2012-01-01 198
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 0
Total participants 2012-01-01 198
Number of participants with account balances 2012-01-01 126
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 21
2011: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2011 401k membership
Total participants, beginning-of-year 2011-01-01 218
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 121
Number of retired or separated participants receiving benefits 2011-01-01 5
Number of other retired or separated participants entitled to future benefits 2011-01-01 78
Total of all active and inactive participants 2011-01-01 204
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 0
Total participants 2011-01-01 204
Number of participants with account balances 2011-01-01 135
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 20
2009: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2009 401k membership
Total participants, beginning-of-year 2009-01-01 259
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 124
Number of retired or separated participants receiving benefits 2009-01-01 7
Number of other retired or separated participants entitled to future benefits 2009-01-01 78
Total of all active and inactive participants 2009-01-01 209
Total participants 2009-01-01 209
Number of participants with account balances 2009-01-01 155
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 22

Measure	Date	Value
2021: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2021 401k membership
Total participants, beginning-of-year	2021-01-01	327
Total number of active participants reported on line 7a of the Form 5500	2021-01-01	0
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	0
Total of all active and inactive participants	2021-01-01	0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2021-01-01	0
Total participants	2021-01-01	0
Number of participants with account balances	2021-01-01	0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2021-01-01	0
2020: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2020 401k membership
Total participants, beginning-of-year	2020-01-01	349
Total number of active participants reported on line 7a of the Form 5500	2020-01-01	230
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	73
Total of all active and inactive participants	2020-01-01	303
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2020-01-01	0
Total participants	2020-01-01	303
Number of participants with account balances	2020-01-01	166
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2020-01-01	18
2019: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2019 401k membership
Total participants, beginning-of-year	2019-01-01	296
Total number of active participants reported on line 7a of the Form 5500	2019-01-01	292
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	73
Total of all active and inactive participants	2019-01-01	365
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2019-01-01	0
Total participants	2019-01-01	365
Number of participants with account balances	2019-01-01	150
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2019-01-01	16
2018: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2018 401k membership
Total participants, beginning-of-year	2018-01-01	353
Total number of active participants reported on line 7a of the Form 5500	2018-01-01	329
Number of retired or separated participants receiving benefits	2018-01-01	3
Number of other retired or separated participants entitled to future benefits	2018-01-01	81
Total of all active and inactive participants	2018-01-01	413
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2018-01-01	0
Total participants	2018-01-01	413
Number of participants with account balances	2018-01-01	155
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-01-01	14
2017: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2017 401k membership
Total participants, beginning-of-year	2017-01-01	315
Total number of active participants reported on line 7a of the Form 5500	2017-01-01	277
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	81
Total of all active and inactive participants	2017-01-01	358
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2017-01-01	0
Total participants	2017-01-01	358
Number of participants with account balances	2017-01-01	145
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-01-01	33
2016: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2016 401k membership
Total participants, beginning-of-year	2016-01-01	268
Total number of active participants reported on line 7a of the Form 5500	2016-01-01	242
Number of retired or separated participants receiving benefits	2016-01-01	9
Number of other retired or separated participants entitled to future benefits	2016-01-01	74
Total of all active and inactive participants	2016-01-01	325
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2016-01-01	0
Total participants	2016-01-01	325
Number of participants with account balances	2016-01-01	156
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2016-01-01	19
2015: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2015 401k membership
Total participants, beginning-of-year	2015-01-01	270
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	179
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	83
Total of all active and inactive participants	2015-01-01	262
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	0
Total participants	2015-01-01	262
Number of participants with account balances	2015-01-01	149
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	14
2014: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	267
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	175
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	89
Total of all active and inactive participants	2014-01-01	264
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	264
Number of participants with account balances	2014-01-01	150
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	12
2013: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2013 401k membership
Total participants, beginning-of-year	2013-01-01	204
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	165
Number of retired or separated participants receiving benefits	2013-01-01	0
Number of other retired or separated participants entitled to future benefits	2013-01-01	82
Total of all active and inactive participants	2013-01-01	247
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	0
Total participants	2013-01-01	247
Number of participants with account balances	2013-01-01	143
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	8
2012: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2012 401k membership
Total participants, beginning-of-year	2012-01-01	211
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	114
Number of retired or separated participants receiving benefits	2012-01-01	0
Number of other retired or separated participants entitled to future benefits	2012-01-01	84
Total of all active and inactive participants	2012-01-01	198
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	0
Total participants	2012-01-01	198
Number of participants with account balances	2012-01-01	126
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	21
2011: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2011 401k membership
Total participants, beginning-of-year	2011-01-01	218
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	121
Number of retired or separated participants receiving benefits	2011-01-01	5
Number of other retired or separated participants entitled to future benefits	2011-01-01	78
Total of all active and inactive participants	2011-01-01	204
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	0
Total participants	2011-01-01	204
Number of participants with account balances	2011-01-01	135
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	20
2009: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2009 401k membership
Total participants, beginning-of-year	2009-01-01	259
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	124
Number of retired or separated participants receiving benefits	2009-01-01	7
Number of other retired or separated participants entitled to future benefits	2009-01-01	78
Total of all active and inactive participants	2009-01-01	209
Total participants	2009-01-01	209
Number of participants with account balances	2009-01-01	155
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	22

Financial Data on BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN

Measure	Date	Value
2021 : BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2021 401k financial data
Total unrealized appreciation/depreciation of assets	2021-07-27	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-07-27	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-07-27	$0
Total income from all sources (including contributions)	2021-07-27	$2,207,119
Total loss/gain on sale of assets	2021-07-27	$0
Total of all expenses incurred	2021-07-27	$22,055,525
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2021-07-27	$21,839,632
Value of total corrective distributions	2021-07-27	$148,366
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2021-07-27	$665,336
Value of total assets at end of year	2021-07-27	$0
Value of total assets at beginning of year	2021-07-27	$19,848,406
Total of administrative expenses incurred including professional, contract, advisory and management fees	2021-07-27	$67,527
Total interest from all sources	2021-07-27	$1,047
Total dividends received (eg from common stock, registered investment company shares)	2021-07-27	$1,207
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2021-07-27	Yes
Value of any plan assets that reverted to the employer resulting from resoluton to terminate the plan	2021-07-27	$0
Total dividends received from registered investment company shares (eg mutual funds)	2021-07-27	$1,207
Was this plan covered by a fidelity bond	2021-07-27	Yes
Value of fidelity bond cover	2021-07-27	$500,000
If this is an individual account plan, was there a blackout period	2021-07-27	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2021-07-27	$0
Were there any nonexempt tranactions with any party-in-interest	2021-07-27	No
Contributions received from participants	2021-07-27	$462,232
Participant contributions at end of year	2021-07-27	$0
Participant contributions at beginning of year	2021-07-27	$18,232
Income. Received or receivable in cash from other sources (including rollovers)	2021-07-27	$125,112
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-07-27	No
Value of net income/loss	2021-07-27	$-19,848,406
Value of net assets at end of year (total assets less liabilities)	2021-07-27	$0
Value of net assets at beginning of year (total assets less liabilities)	2021-07-27	$19,848,406
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2021-07-27	No
Were any loans by the plan or fixed income obligations due to the plan in default	2021-07-27	No
Were any leases to which the plan was party in default or uncollectible	2021-07-27	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2021-07-27	$0
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2021-07-27	$19,550,047
Interest on participant loans	2021-07-27	$1,047
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2021-07-27	$0
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2021-07-27	$266,679
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2021-07-27	$266,679
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2021-07-27	$0
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2021-07-27	$13,204
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2021-07-27	$1,539,529
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2021-07-27	No
Was there a failure to transmit to the plan any participant contributions	2021-07-27	No
Has the plan failed to provide any benefit when due under the plan	2021-07-27	No
Contributions received in cash from employer	2021-07-27	$77,992
Employer contributions (assets) at end of year	2021-07-27	$0
Employer contributions (assets) at beginning of year	2021-07-27	$244
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2021-07-27	$21,839,632
Contract administrator fees	2021-07-27	$67,527
Did the plan have assets held for investment	2021-07-27	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	2021-07-27	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2021-07-27	Yes
Opinion of an independent qualified public accountant for this plan	2021-07-27	Disclaimer
Accountancy firm name	2021-07-27	SFW PARTNERS, LLC
Accountancy firm EIN	2021-07-27	431764273
2020 : BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT 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	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$264
Total income from all sources (including contributions)	2020-12-31	$4,121,008
Total loss/gain on sale of assets	2020-12-31	$0
Total of all expenses incurred	2020-12-31	$1,449,385
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2020-12-31	$1,326,604
Expenses. Certain deemed distributions of participant loans	2020-12-31	$20,796
Value of total corrective distributions	2020-12-31	$40,506
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2020-12-31	$1,452,296
Value of total assets at end of year	2020-12-31	$19,848,406
Value of total assets at beginning of year	2020-12-31	$17,177,047
Total of administrative expenses incurred including professional, contract, advisory and management fees	2020-12-31	$61,479
Total interest from all sources	2020-12-31	$2,018
Total dividends received (eg from common stock, registered investment company shares)	2020-12-31	$3,127
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2020-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2020-12-31	$3,127
Was this plan covered by a fidelity bond	2020-12-31	Yes
Value of fidelity bond cover	2020-12-31	$500,000
If this is an individual account plan, was there a blackout period	2020-12-31	Yes
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	$1,124,394
Participant contributions at end of year	2020-12-31	$18,232
Participant contributions at beginning of year	2020-12-31	$42,941
Income. Received or receivable in cash from other sources (including rollovers)	2020-12-31	$96,543
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2020-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2020-12-31	$264
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	$2,671,623
Value of net assets at end of year (total assets less liabilities)	2020-12-31	$19,848,406
Value of net assets at beginning of year (total assets less liabilities)	2020-12-31	$17,176,783
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	$61,479
Value of interest in registered invesment companies (eg mutual funds) at end of year	2020-12-31	$19,550,047
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2020-12-31	$16,885,067
Interest on participant loans	2020-12-31	$2,018
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2020-12-31	$266,679
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2020-12-31	$232,073
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2020-12-31	$232,073
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2020-12-31	$13,204
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2020-12-31	$16,966
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2020-12-31	$2,663,567
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	$231,359
Employer contributions (assets) at end of year	2020-12-31	$244
Employer contributions (assets) at beginning of year	2020-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2020-12-31	$1,326,604
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2020-12-31	Yes
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	SFW PARTNERS, LLC
Accountancy firm EIN	2020-12-31	431764273
2019 : BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT 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	$264
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	$4,110,953
Total loss/gain on sale of assets	2019-12-31	$0
Total of all expenses incurred	2019-12-31	$1,360,142
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$1,299,542
Value of total corrective distributions	2019-12-31	$2,655
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$1,245,434
Value of total assets at end of year	2019-12-31	$17,177,047
Value of total assets at beginning of year	2019-12-31	$14,425,972
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-12-31	$57,945
Total interest from all sources	2019-12-31	$2,635
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$2,294
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2019-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2019-12-31	$2,294
Was this plan covered by a fidelity bond	2019-12-31	Yes
Value of fidelity bond cover	2019-12-31	$500,000
If this is an individual account plan, was there a blackout period	2019-12-31	Yes
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
Contributions received from participants	2019-12-31	$985,887
Participant contributions at end of year	2019-12-31	$42,941
Participant contributions at beginning of year	2019-12-31	$56,428
Income. Received or receivable in cash from other sources (including rollovers)	2019-12-31	$58,547
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2019-12-31	$264
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2019-12-31	$0
Other income not declared elsewhere	2019-12-31	$8,088
Total non interest bearing cash at end of year	2019-12-31	$0
Total non interest bearing cash at beginning of year	2019-12-31	$1,998
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	$2,750,811
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$17,176,783
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$14,425,972
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
Investment advisory and management fees	2019-12-31	$57,945
Value of interest in registered invesment companies (eg mutual funds) at end of year	2019-12-31	$16,885,067
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2019-12-31	$14,252,743
Interest on participant loans	2019-12-31	$2,635
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2019-12-31	$232,073
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2019-12-31	$112,359
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2019-12-31	$112,359
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2019-12-31	$16,966
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2019-12-31	$2,444
Net investment gain or loss from common/collective trusts	2019-12-31	$2,852,502
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	$201,000
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-12-31	$1,299,542
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2019-12-31	Yes
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	SFW PARTNERS, LLC
Accountancy firm EIN	2019-12-31	431764273
2018 : BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT 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	$151,053
Total loss/gain on sale of assets	2018-12-31	$0
Total of all expenses incurred	2018-12-31	$2,184,681
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2018-12-31	$2,156,477
Expenses. Certain deemed distributions of participant loans	2018-12-31	$1,782
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2018-12-31	$1,101,136
Value of total assets at end of year	2018-12-31	$14,425,972
Value of total assets at beginning of year	2018-12-31	$16,459,600
Total of administrative expenses incurred including professional, contract, advisory and management fees	2018-12-31	$26,422
Total interest from all sources	2018-12-31	$2,615
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
Administrative expenses professional fees incurred	2018-12-31	$7,007
Was this plan covered by a fidelity bond	2018-12-31	Yes
Value of fidelity bond cover	2018-12-31	$500,000
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	$922,698
Participant contributions at end of year	2018-12-31	$56,428
Participant contributions at beginning of year	2018-12-31	$47,093
Income. Received or receivable in cash from other sources (including rollovers)	2018-12-31	$26,808
Other income not declared elsewhere	2018-12-31	$6,135
Total non interest bearing cash at end of year	2018-12-31	$1,998
Total non interest bearing cash at beginning of year	2018-12-31	$14,723
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	$-2,033,628
Value of net assets at end of year (total assets less liabilities)	2018-12-31	$14,425,972
Value of net assets at beginning of year (total assets less liabilities)	2018-12-31	$16,459,600
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	$14,252,743
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2018-12-31	$16,218,305
Interest on participant loans	2018-12-31	$2,592
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2018-12-31	$112,359
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2018-12-31	$178,906
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2018-12-31	$178,906
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2018-12-31	$23
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2018-12-31	$2,444
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2018-12-31	$573
Net investment gain/loss from pooled separate accounts	2018-12-31	$-958,833
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	$151,630
Employer contributions (assets) at end of year	2018-12-31	$0
Employer contributions (assets) at beginning of year	2018-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2018-12-31	$2,156,477
Contract administrator fees	2018-12-31	$19,415
Liabilities. Value of benefit claims payable at end of year	2018-12-31	$0
Liabilities. Value of benefit claims payable at beginning of year	2018-12-31	$0
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	SFW PARTNERS, LLC
Accountancy firm EIN	2018-12-31	431764273
2017 : BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT 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	$24,317
Total income from all sources (including contributions)	2017-12-31	$3,207,227
Total loss/gain on sale of assets	2017-12-31	$0
Total of all expenses incurred	2017-12-31	$788,452
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2017-12-31	$775,709
Expenses. Certain deemed distributions of participant loans	2017-12-31	$7,776
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2017-12-31	$1,061,797
Value of total assets at end of year	2017-12-31	$16,459,600
Value of total assets at beginning of year	2017-12-31	$14,065,142
Total of administrative expenses incurred including professional, contract, advisory and management fees	2017-12-31	$4,967
Total interest from all sources	2017-12-31	$1,874
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
Administrative expenses professional fees incurred	2017-12-31	$4,675
Was this plan covered by a fidelity bond	2017-12-31	Yes
Value of fidelity bond cover	2017-12-31	$500,000
If this is an individual account plan, was there a blackout period	2017-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2017-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2017-12-31	No
Contributions received from participants	2017-12-31	$798,917
Participant contributions at end of year	2017-12-31	$47,093
Participant contributions at beginning of year	2017-12-31	$45,988
Income. Received or receivable in cash from other sources (including rollovers)	2017-12-31	$99,673
Other income not declared elsewhere	2017-12-31	$7,735
Administrative expenses (other) incurred	2017-12-31	$148
Total non interest bearing cash at end of year	2017-12-31	$14,723
Total non interest bearing cash at beginning of year	2017-12-31	$208
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	$2,418,775
Value of net assets at end of year (total assets less liabilities)	2017-12-31	$16,459,600
Value of net assets at beginning of year (total assets less liabilities)	2017-12-31	$14,040,825
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	$16,218,305
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2017-12-31	$13,826,788
Interest on participant loans	2017-12-31	$1,838
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2017-12-31	$178,906
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2017-12-31	$178,929
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2017-12-31	$178,929
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2017-12-31	$36
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2017-12-31	$573
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2017-12-31	$10,383
Net investment gain/loss from pooled separate accounts	2017-12-31	$2,135,821
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2017-12-31	No
Was there a failure to transmit to the plan any participant contributions	2017-12-31	No
Has the plan failed to provide any benefit when due under the plan	2017-12-31	No
Contributions received in cash from employer	2017-12-31	$163,207
Employer contributions (assets) at end of year	2017-12-31	$0
Employer contributions (assets) at beginning of year	2017-12-31	$2,846
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2017-12-31	$775,709
Contract administrator fees	2017-12-31	$144
Liabilities. Value of benefit claims payable at end of year	2017-12-31	$0
Liabilities. Value of benefit claims payable at beginning of year	2017-12-31	$24,317
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	SFW PARTNERS, LLC
Accountancy firm EIN	2017-12-31	431764273
2016 : BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT 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	$24,317
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	$2,030,192
Total loss/gain on sale of assets	2016-12-31	$0
Total of all expenses incurred	2016-12-31	$967,241
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2016-12-31	$926,503
Expenses. Certain deemed distributions of participant loans	2016-12-31	$11,591
Value of total corrective distributions	2016-12-31	$24,317
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2016-12-31	$1,014,422
Value of total assets at end of year	2016-12-31	$14,065,142
Value of total assets at beginning of year	2016-12-31	$12,977,874
Total of administrative expenses incurred including professional, contract, advisory and management fees	2016-12-31	$4,830
Total interest from all sources	2016-12-31	$2,103
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
Administrative expenses professional fees incurred	2016-12-31	$4,674
Was this plan covered by a fidelity bond	2016-12-31	Yes
Value of fidelity bond cover	2016-12-31	$500,000
If this is an individual account plan, was there a blackout period	2016-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2016-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2016-12-31	No
Contributions received from participants	2016-12-31	$777,167
Participant contributions at end of year	2016-12-31	$45,988
Participant contributions at beginning of year	2016-12-31	$51,566
Income. Received or receivable in cash from other sources (including rollovers)	2016-12-31	$112,353
Other income not declared elsewhere	2016-12-31	$5,511
Administrative expenses (other) incurred	2016-12-31	$4
Total non interest bearing cash at end of year	2016-12-31	$208
Total non interest bearing cash at beginning of year	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	$1,062,951
Value of net assets at end of year (total assets less liabilities)	2016-12-31	$14,040,825
Value of net assets at beginning of year (total assets less liabilities)	2016-12-31	$12,977,874
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	$13,826,788
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2016-12-31	$12,651,018
Interest on participant loans	2016-12-31	$2,020
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2016-12-31	$178,929
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2016-12-31	$262,817
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2016-12-31	$262,817
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2016-12-31	$83
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2016-12-31	$10,383
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2016-12-31	$10,328
Net investment gain/loss from pooled separate accounts	2016-12-31	$1,008,156
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2016-12-31	No
Was there a failure to transmit to the plan any participant contributions	2016-12-31	No
Has the plan failed to provide any benefit when due under the plan	2016-12-31	No
Contributions received in cash from employer	2016-12-31	$124,902
Employer contributions (assets) at end of year	2016-12-31	$2,846
Employer contributions (assets) at beginning of year	2016-12-31	$2,145
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2016-12-31	$926,503
Contract administrator fees	2016-12-31	$152
Liabilities. Value of benefit claims payable at end of year	2016-12-31	$24,317
Liabilities. Value of benefit claims payable at beginning of year	2016-12-31	$0
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	SFW PARTNERS, LLC
Accountancy firm EIN	2016-12-31	431764273
2015 : BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2015 401k financial data
Total unrealized appreciation/depreciation of assets	2015-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$0
Total income from all sources (including contributions)	2015-12-31	$758,264
Total loss/gain on sale of assets	2015-12-31	$0
Total of all expenses incurred	2015-12-31	$707,674
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$707,497
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$948,993
Value of total assets at end of year	2015-12-31	$12,977,874
Value of total assets at beginning of year	2015-12-31	$12,927,284
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$177
Total interest from all sources	2015-12-31	$1,964
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	$500,000
If this is an individual account plan, was there a blackout period	2015-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2015-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2015-12-31	No
Contributions received from participants	2015-12-31	$724,735
Participant contributions at end of year	2015-12-31	$51,566
Participant contributions at beginning of year	2015-12-31	$40,426
Income. Received or receivable in cash from other sources (including rollovers)	2015-12-31	$110,580
Other income not declared elsewhere	2015-12-31	$3,272
Total non interest bearing cash at end of year	2015-12-31	$0
Total non interest bearing cash at beginning of year	2015-12-31	$543
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	$50,590
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$12,977,874
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$12,927,284
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	$12,651,018
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2015-12-31	$12,672,018
Interest on participant loans	2015-12-31	$1,960
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2015-12-31	$262,817
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2015-12-31	$214,260
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2015-12-31	$214,260
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2015-12-31	$4
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2015-12-31	$10,328
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2015-12-31	$37
Net investment gain/loss from pooled separate accounts	2015-12-31	$-195,965
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2015-12-31	No
Was there a failure to transmit to the plan any participant contributions	2015-12-31	No
Has the plan failed to provide any benefit when due under the plan	2015-12-31	No
Contributions received in cash from employer	2015-12-31	$113,678
Employer contributions (assets) at end of year	2015-12-31	$2,145
Employer contributions (assets) at beginning of year	2015-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$707,497
Contract administrator fees	2015-12-31	$177
Liabilities. Value of benefit claims payable at end of year	2015-12-31	$0
Liabilities. Value of benefit claims payable at beginning of year	2015-12-31	$0
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	SFW PARTNERS, LLC
Accountancy firm EIN	2015-12-31	431764273
2014 : BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2014 401k financial data
Total unrealized appreciation/depreciation of assets	2014-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$774
Total income from all sources (including contributions)	2014-12-31	$1,555,290
Total loss/gain on sale of assets	2014-12-31	$0
Total of all expenses incurred	2014-12-31	$255,591
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$236,481
Expenses. Certain deemed distributions of participant loans	2014-12-31	$18,914
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$994,744
Value of total assets at end of year	2014-12-31	$12,927,284
Value of total assets at beginning of year	2014-12-31	$11,628,359
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$196
Total interest from all sources	2014-12-31	$2,217
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	$500,000
If this is an individual account plan, was there a blackout period	2014-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2014-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2014-12-31	No
Contributions received from participants	2014-12-31	$730,694
Participant contributions at end of year	2014-12-31	$40,426
Participant contributions at beginning of year	2014-12-31	$48,821
Income. Received or receivable in cash from other sources (including rollovers)	2014-12-31	$142,913
Other income not declared elsewhere	2014-12-31	$1,065
Total non interest bearing cash at end of year	2014-12-31	$543
Total non interest bearing cash at beginning of year	2014-12-31	$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	2014-12-31	No
Value of net income/loss	2014-12-31	$1,299,699
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$12,927,284
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$11,627,585
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	$12,672,018
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2014-12-31	$11,336,899
Interest on participant loans	2014-12-31	$2,216
Interest earned on other investments	2014-12-31	$1
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2014-12-31	$214,260
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2014-12-31	$239,297
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2014-12-31	$239,297
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2014-12-31	$37
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2014-12-31	$3,191
Net investment gain/loss from pooled separate accounts	2014-12-31	$557,264
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	$121,137
Employer contributions (assets) at end of year	2014-12-31	$0
Employer contributions (assets) at beginning of year	2014-12-31	$151
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$236,481
Contract administrator fees	2014-12-31	$196
Liabilities. Value of benefit claims payable at end of year	2014-12-31	$0
Liabilities. Value of benefit claims payable at beginning of year	2014-12-31	$774
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	SFW PARTNERS, LLC
Accountancy firm EIN	2014-12-31	431764273
2013 : BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2013 401k financial data
Total unrealized appreciation/depreciation of assets	2013-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$774
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$7,563
Total income from all sources (including contributions)	2013-12-31	$2,497,355
Total loss/gain on sale of assets	2013-12-31	$0
Total of all expenses incurred	2013-12-31	$547,985
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$547,073
Value of total corrective distributions	2013-12-31	$774
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$811,813
Value of total assets at end of year	2013-12-31	$11,628,359
Value of total assets at beginning of year	2013-12-31	$9,685,778
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$138
Total interest from all sources	2013-12-31	$1,931
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$500,000
If this is an individual account plan, was there a blackout period	2013-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2013-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2013-12-31	No
Contributions received from participants	2013-12-31	$597,304
Participant contributions at end of year	2013-12-31	$48,821
Participant contributions at beginning of year	2013-12-31	$42,981
Income. Received or receivable in cash from other sources (including rollovers)	2013-12-31	$130,480
Other income not declared elsewhere	2013-12-31	$26
Total non interest bearing cash at end of year	2013-12-31	$0
Total non interest bearing cash at beginning of year	2013-12-31	$2,484
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Value of net income/loss	2013-12-31	$1,949,370
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$11,627,585
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$9,678,215
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-12-31	No
Were any leases to which the plan was party in default or uncollectible	2013-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2013-12-31	$11,336,899
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2013-12-31	$9,400,825
Interest on participant loans	2013-12-31	$1,931
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2013-12-31	$239,297
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2013-12-31	$239,453
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2013-12-31	$239,453
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2013-12-31	$3,191
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2013-12-31	$35
Net investment gain/loss from pooled separate accounts	2013-12-31	$1,683,585
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-12-31	No
Was there a failure to transmit to the plan any participant contributions	2013-12-31	No
Has the plan failed to provide any benefit when due under the plan	2013-12-31	No
Contributions received in cash from employer	2013-12-31	$84,029
Employer contributions (assets) at end of year	2013-12-31	$151
Employer contributions (assets) at beginning of year	2013-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$547,073
Contract administrator fees	2013-12-31	$138
Liabilities. Value of benefit claims payable at end of year	2013-12-31	$774
Liabilities. Value of benefit claims payable at beginning of year	2013-12-31	$7,563
Did the plan have assets held for investment	2013-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2013-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2013-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2013-12-31	Disclaimer
Accountancy firm name	2013-12-31	SFW PARTNERS, LLC
Accountancy firm EIN	2013-12-31	431764273
2012 : BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2012 401k financial data
Total unrealized appreciation/depreciation of assets	2012-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$7,563
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$5,504
Total income from all sources (including contributions)	2012-12-31	$2,130,472
Total loss/gain on sale of assets	2012-12-31	$0
Total of all expenses incurred	2012-12-31	$1,814,034
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$1,800,551
Value of total corrective distributions	2012-12-31	$7,539
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$894,075
Value of total assets at end of year	2012-12-31	$9,685,778
Value of total assets at beginning of year	2012-12-31	$9,367,281
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$5,944
Total interest from all sources	2012-12-31	$1,824
Total dividends received (eg from common stock, registered investment company shares)	2012-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-12-31	No
Was this plan covered by a fidelity bond	2012-12-31	Yes
Value of fidelity bond cover	2012-12-31	$500,000
If this is an individual account plan, was there a blackout period	2012-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2012-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2012-12-31	No
Contributions received from participants	2012-12-31	$500,984
Participant contributions at end of year	2012-12-31	$42,981
Participant contributions at beginning of year	2012-12-31	$45,582
Income. Received or receivable in cash from other sources (including rollovers)	2012-12-31	$338,220
Other income not declared elsewhere	2012-12-31	$46
Total non interest bearing cash at end of year	2012-12-31	$2,484
Total non interest bearing cash at beginning of year	2012-12-31	$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	2012-12-31	No
Value of net income/loss	2012-12-31	$316,438
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$9,678,215
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$9,361,777
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2012-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2012-12-31	No
Were any leases to which the plan was party in default or uncollectible	2012-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2012-12-31	$9,400,825
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2012-12-31	$9,036,623
Interest on participant loans	2012-12-31	$1,824
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2012-12-31	$239,453
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2012-12-31	$269,664
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2012-12-31	$269,664
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2012-12-31	$35
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2012-12-31	$15,412
Net investment gain/loss from pooled separate accounts	2012-12-31	$1,234,527
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2012-12-31	No
Was there a failure to transmit to the plan any participant contributions	2012-12-31	No
Has the plan failed to provide any benefit when due under the plan	2012-12-31	No
Contributions received in cash from employer	2012-12-31	$54,871
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$1,800,551
Contract administrator fees	2012-12-31	$5,944
Liabilities. Value of benefit claims payable at end of year	2012-12-31	$7,563
Liabilities. Value of benefit claims payable at beginning of year	2012-12-31	$5,504
Did the plan have assets held for investment	2012-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2012-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2012-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2012-12-31	Disclaimer
Accountancy firm name	2012-12-31	SFW PARTNERS, LLC
Accountancy firm EIN	2012-12-31	431764273
2011 : BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2011 401k financial data
Total unrealized appreciation/depreciation of assets	2011-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$5,504
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total income from all sources (including contributions)	2011-12-31	$771,938
Total loss/gain on sale of assets	2011-12-31	$0
Total of all expenses incurred	2011-12-31	$590,043
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$572,744
Expenses. Certain deemed distributions of participant loans	2011-12-31	$782
Value of total corrective distributions	2011-12-31	$5,504
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$939,979
Value of total assets at end of year	2011-12-31	$9,367,281
Value of total assets at beginning of year	2011-12-31	$9,179,882
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$11,013
Total interest from all sources	2011-12-31	$3,014
Total dividends received (eg from common stock, registered investment company shares)	2011-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-12-31	No
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$500,000
If this is an individual account plan, was there a blackout period	2011-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2011-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2011-12-31	No
Contributions received from participants	2011-12-31	$607,290
Participant contributions at end of year	2011-12-31	$45,582
Participant contributions at beginning of year	2011-12-31	$87,197
Income. Received or receivable in cash from other sources (including rollovers)	2011-12-31	$170,986
Other income not declared elsewhere	2011-12-31	$113
Administrative expenses (other) incurred	2011-12-31	$17
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Value of net income/loss	2011-12-31	$181,895
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$9,361,777
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$9,179,882
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2011-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2011-12-31	No
Were any leases to which the plan was party in default or uncollectible	2011-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2011-12-31	$9,036,623
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2011-12-31	$8,801,953
Interest on participant loans	2011-12-31	$3,014
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2011-12-31	$269,664
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2011-12-31	$278,179
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2011-12-31	$278,179
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2011-12-31	$15,412
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2011-12-31	$11,415
Net investment gain/loss from pooled separate accounts	2011-12-31	$-171,168
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2011-12-31	No
Was there a failure to transmit to the plan any participant contributions	2011-12-31	No
Has the plan failed to provide any benefit when due under the plan	2011-12-31	No
Contributions received in cash from employer	2011-12-31	$161,703
Employer contributions (assets) at end of year	2011-12-31	$0
Employer contributions (assets) at beginning of year	2011-12-31	$1,138
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$572,744
Contract administrator fees	2011-12-31	$10,996
Liabilities. Value of benefit claims payable at end of year	2011-12-31	$5,504
Did the plan have assets held for investment	2011-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2011-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2011-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2011-12-31	Disclaimer
Accountancy firm name	2011-12-31	SFW PARTNERS, LLC
Accountancy firm EIN	2011-12-31	431764273
2010 : BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2010 401k financial data
Total unrealized appreciation/depreciation of assets	2010-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total income from all sources (including contributions)	2010-12-31	$2,127,449
Total loss/gain on sale of assets	2010-12-31	$0
Total of all expenses incurred	2010-12-31	$896,207
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2010-12-31	$875,437
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2010-12-31	$1,053,443
Value of total assets at end of year	2010-12-31	$9,179,882
Value of total assets at beginning of year	2010-12-31	$7,948,640
Total of administrative expenses incurred including professional, contract, advisory and management fees	2010-12-31	$20,770
Total interest from all sources	2010-12-31	$2,931
Total dividends received (eg from common stock, registered investment company shares)	2010-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2010-12-31	No
Was this plan covered by a fidelity bond	2010-12-31	Yes
Value of fidelity bond cover	2010-12-31	$500,000
If this is an individual account plan, was there a blackout period	2010-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2010-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2010-12-31	No
Contributions received from participants	2010-12-31	$637,345
Participant contributions at end of year	2010-12-31	$87,197
Participant contributions at beginning of year	2010-12-31	$52,946
Income. Received or receivable in cash from other sources (including rollovers)	2010-12-31	$247,989
Other income not declared elsewhere	2010-12-31	$352
Administrative expenses (other) incurred	2010-12-31	$71
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Value of net income/loss	2010-12-31	$1,231,242
Value of net assets at end of year (total assets less liabilities)	2010-12-31	$9,179,882
Value of net assets at beginning of year (total assets less liabilities)	2010-12-31	$7,948,640
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2010-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2010-12-31	No
Were any leases to which the plan was party in default or uncollectible	2010-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2010-12-31	$8,801,953
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2010-12-31	$7,554,277
Interest on participant loans	2010-12-31	$2,931
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2010-12-31	$278,179
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2010-12-31	$291,645
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2010-12-31	$291,645
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2010-12-31	$11,415
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2010-12-31	$48,409
Net investment gain/loss from pooled separate accounts	2010-12-31	$1,070,723
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2010-12-31	No
Was there a failure to transmit to the plan any participant contributions	2010-12-31	No
Has the plan failed to provide any benefit when due under the plan	2010-12-31	No
Contributions received in cash from employer	2010-12-31	$168,109
Employer contributions (assets) at end of year	2010-12-31	$1,138
Employer contributions (assets) at beginning of year	2010-12-31	$1,363
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2010-12-31	$875,437
Contract administrator fees	2010-12-31	$20,699
Did the plan have assets held for investment	2010-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2010-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2010-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2010-12-31	Disclaimer
Accountancy firm name	2010-12-31	SFW PARTNERS, LLC
Accountancy firm EIN	2010-12-31	431764273
2009 : BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2009 401k financial data
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2009-12-31	$0

Form 5500 Responses for BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN

2021: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT 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	Yes
2021-01-01	This return/report is a short plan year return/report (less than 12 months)	Yes
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: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT 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 – Insurance	Yes
2020-01-01	Plan benefit arrangement - Trust	Yes
2019: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT 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 – Insurance	Yes
2019-01-01	Plan benefit arrangement - Trust	Yes
2018: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT 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 – Insurance	Yes
2018-01-01	Plan benefit arrangement - Trust	Yes
2017: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2017 form 5500 responses
2017-01-01	Type of plan entity	Single employer plan
2017-01-01	Submission has been amended	No
2017-01-01	This submission is the final filing	No
2017-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2017-01-01	Plan is a collectively bargained plan	No
2017-01-01	Plan funding arrangement – Insurance	Yes
2017-01-01	Plan funding arrangement – Trust	Yes
2017-01-01	Plan benefit arrangement – Insurance	Yes
2017-01-01	Plan benefit arrangement - Trust	Yes
2016: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2016 form 5500 responses
2016-01-01	Type of plan entity	Single employer plan
2016-01-01	Submission has been amended	No
2016-01-01	This submission is the final filing	No
2016-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2016-01-01	Plan is a collectively bargained plan	No
2016-01-01	Plan funding arrangement – Insurance	Yes
2016-01-01	Plan funding arrangement – Trust	Yes
2016-01-01	Plan benefit arrangement – Insurance	Yes
2016-01-01	Plan benefit arrangement - Trust	Yes
2015: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2015 form 5500 responses
2015-01-01	Type of plan entity	Single employer plan
2015-01-01	Submission has been amended	No
2015-01-01	This submission is the final filing	No
2015-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2015-01-01	Plan is a collectively bargained plan	No
2015-01-01	Plan funding arrangement – Insurance	Yes
2015-01-01	Plan funding arrangement – Trust	Yes
2015-01-01	Plan benefit arrangement – Insurance	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes
2014: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Submission has been amended	No
2014-01-01	This submission is the final filing	No
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-01-01	Plan is a collectively bargained plan	No
2014-01-01	Plan funding arrangement – Insurance	Yes
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement – Insurance	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	Submission has been amended	No
2013-01-01	This submission is the final filing	No
2013-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-01-01	Plan is a collectively bargained plan	No
2013-01-01	Plan funding arrangement – Insurance	Yes
2013-01-01	Plan funding arrangement – Trust	Yes
2013-01-01	Plan benefit arrangement – Insurance	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes
2012: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2012 form 5500 responses
2012-01-01	Type of plan entity	Single employer plan
2012-01-01	Submission has been amended	No
2012-01-01	This submission is the final filing	No
2012-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2012-01-01	Plan is a collectively bargained plan	No
2012-01-01	Plan funding arrangement – Insurance	Yes
2012-01-01	Plan funding arrangement – Trust	Yes
2012-01-01	Plan benefit arrangement – Insurance	Yes
2012-01-01	Plan benefit arrangement - Trust	Yes
2011: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2011 form 5500 responses
2011-01-01	Type of plan entity	Single employer plan
2011-01-01	Submission has been amended	No
2011-01-01	This submission is the final filing	No
2011-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2011-01-01	Plan is a collectively bargained plan	No
2011-01-01	Plan funding arrangement – Insurance	Yes
2011-01-01	Plan funding arrangement – Trust	Yes
2011-01-01	Plan benefit arrangement – Insurance	Yes
2011-01-01	Plan benefit arrangement - Trust	Yes
2009: BRADFORD & GALT EMPLOYEE SAVINGS AND RETIREMENT PLAN 2009 form 5500 responses
2009-01-01	Type of plan entity	Single employer plan
2009-01-01	Submission has been amended	No
2009-01-01	This submission is the final filing	No
2009-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2009-01-01	Plan is a collectively bargained plan	No
2009-01-01	Plan funding arrangement – Insurance	Yes
2009-01-01	Plan funding arrangement – Trust	Yes
2009-01-01	Plan benefit arrangement – Insurance	Yes
2009-01-01	Plan benefit arrangement - Trust	Yes

Insurance Providers Used on plan

GREAT-WEST LIFE & ANNUITY INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 68322 )

Policy contract number

507225-01

Policy instance

Insurance contract or identification number	507225-01
Number of Individuals Covered	0
Insurance policy start date	2021-01-01
Insurance policy end date	2021-07-27
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No

GREAT-WEST LIFE & ANNUITY INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 68322 )

Policy contract number

507225-01

Policy instance

Insurance contract or identification number	507225-01
Number of Individuals Covered	23
Insurance policy start date	2020-01-01
Insurance policy end date	2020-12-31
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?	Yes
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No

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

Policy contract number

15234

Policy instance

Insurance contract or identification number	15234
Number of Individuals Covered	0
Insurance policy start date	2019-01-01
Insurance policy end date	2019-09-30
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $6,002
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?	Yes
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Amount paid for insurance broker fees	6002
Additional information about fees paid to insurance broker	TPA COMPENSATION
Insurance broker organization code?	5

GREAT-WEST LIFE & ANNUITY INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 68322 )

Policy contract number

507225-01

Policy instance

Insurance contract or identification number	507225-01
Number of Individuals Covered	9
Insurance policy start date	2019-01-01
Insurance policy end date	2019-12-31
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?	Yes
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No

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

Policy contract number

15234

Policy instance

Insurance contract or identification number	15234
Number of Individuals Covered	149
Insurance policy start date	2017-01-01
Insurance policy end date	2017-12-31
Total amount of commissions paid to insurance broker	USD $38,251
Total amount of fees paid to insurance company	USD $12,353
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?	Yes
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $38,251
Insurance broker organization code?	3
Amount paid for insurance broker fees	12353
Additional information about fees paid to insurance broker	TPA COMPENSATION/OTHER ALLOWANCES
Insurance broker name	BENEFITS OF MISSOURI, INC.

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Company Name:	BRADFORD & GALT, INCORPORATED
Employer identification number (EIN):	431338092
NAIC Classification:	541990
NAIC Description:	All Other Professional, Scientific, and Technical Services