401k Plan data: CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN plan

CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 401k Plan overview

Plan Name	CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN
Plan identification number	001

CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
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.
Participant-directed brokerage accounts provided as an investment option under the plan.
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

CLEARWATER SERVICES INCORPORATED has sponsored the creation of one or more 401k plans.

Company Name: CLEARWATER SERVICES INCORPORATED

Employer identification number (EIN): 472588898

NAIC Classification: 454390
NAIC Description: Other Direct Selling Establishments

Form 5500 Filing Information

Submission information for form 5500 for 401k plan CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2021-07-01
001 2020-07-01
001 2019-07-01
001 2018-07-01
001 2017-07-01
001 2016-07-01 JEROME KOVACH
001 2015-07-01 JEROME KOVACH
001 2015-01-01 JEROME KOVACH

Plan Statistics for CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN

401k plan membership statisitcs for CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN

Measure Date Value
2021: CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 2021 401k membership
Total participants, beginning-of-year 2021-07-01 112
Total number of active participants reported on line 7a of the Form 5500 2021-07-01 106
Number of retired or separated participants receiving benefits 2021-07-01 0
Number of other retired or separated participants entitled to future benefits 2021-07-01 0
Total of all active and inactive participants 2021-07-01 106
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2021-07-01 0
Total participants 2021-07-01 106
Number of participants with account balances 2021-07-01 69
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2021-07-01 0
2020: CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 2020 401k membership
Total participants, beginning-of-year 2020-07-01 96
Total number of active participants reported on line 7a of the Form 5500 2020-07-01 107
Number of retired or separated participants receiving benefits 2020-07-01 0
Number of other retired or separated participants entitled to future benefits 2020-07-01 7
Total of all active and inactive participants 2020-07-01 114
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2020-07-01 0
Total participants 2020-07-01 114
Number of participants with account balances 2020-07-01 0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2020-07-01 0
2019: CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 2019 401k membership
Total participants, beginning-of-year 2019-07-01 99
Total number of active participants reported on line 7a of the Form 5500 2019-07-01 96
Number of retired or separated participants receiving benefits 2019-07-01 0
Number of other retired or separated participants entitled to future benefits 2019-07-01 0
Total of all active and inactive participants 2019-07-01 96
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2019-07-01 0
Total participants 2019-07-01 96
Number of participants with account balances 2019-07-01 64
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2019-07-01 0
2018: CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 2018 401k membership
Total participants, beginning-of-year 2018-07-01 91
Total number of active participants reported on line 7a of the Form 5500 2018-07-01 91
Number of retired or separated participants receiving benefits 2018-07-01 0
Number of other retired or separated participants entitled to future benefits 2018-07-01 14
Total of all active and inactive participants 2018-07-01 105
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2018-07-01 0
Total participants 2018-07-01 105
Number of participants with account balances 2018-07-01 57
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-07-01 8
2017: CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 2017 401k membership
Total participants, beginning-of-year 2017-07-01 61
Total number of active participants reported on line 7a of the Form 5500 2017-07-01 79
Number of other retired or separated participants entitled to future benefits 2017-07-01 4
Total of all active and inactive participants 2017-07-01 83
Total participants 2017-07-01 83
Number of participants with account balances 2017-07-01 60
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-07-01 0
2016: CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 2016 401k membership
Total participants, beginning-of-year 2016-07-01 59
Total number of active participants reported on line 7a of the Form 5500 2016-07-01 44
Number of other retired or separated participants entitled to future benefits 2016-07-01 4
Total of all active and inactive participants 2016-07-01 48
Total participants 2016-07-01 48
Number of participants with account balances 2016-07-01 43
2015: CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 2015 401k membership
Total participants, beginning-of-year 2015-07-01 52
Total number of active participants reported on line 7a of the Form 5500 2015-07-01 56
Number of retired or separated participants receiving benefits 2015-07-01 2
Number of other retired or separated participants entitled to future benefits 2015-07-01 1
Total of all active and inactive participants 2015-07-01 59
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-07-01 0
Total participants 2015-07-01 59
Number of participants with account balances 2015-07-01 37
Total participants, beginning-of-year 2015-01-01 48
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 49
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 0
Total of all active and inactive participants 2015-01-01 49
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 0
Total participants 2015-01-01 49
Number of participants with account balances 2015-01-01 20
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 0

Measure	Date	Value
2021: CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 2021 401k membership
Total participants, beginning-of-year	2021-07-01	112
Total number of active participants reported on line 7a of the Form 5500	2021-07-01	106
Number of retired or separated participants receiving benefits	2021-07-01	0
Number of other retired or separated participants entitled to future benefits	2021-07-01	0
Total of all active and inactive participants	2021-07-01	106
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2021-07-01	0
Total participants	2021-07-01	106
Number of participants with account balances	2021-07-01	69
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2021-07-01	0
2020: CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 2020 401k membership
Total participants, beginning-of-year	2020-07-01	96
Total number of active participants reported on line 7a of the Form 5500	2020-07-01	107
Number of retired or separated participants receiving benefits	2020-07-01	0
Number of other retired or separated participants entitled to future benefits	2020-07-01	7
Total of all active and inactive participants	2020-07-01	114
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2020-07-01	0
Total participants	2020-07-01	114
Number of participants with account balances	2020-07-01	0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2020-07-01	0
2019: CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 2019 401k membership
Total participants, beginning-of-year	2019-07-01	99
Total number of active participants reported on line 7a of the Form 5500	2019-07-01	96
Number of retired or separated participants receiving benefits	2019-07-01	0
Number of other retired or separated participants entitled to future benefits	2019-07-01	0
Total of all active and inactive participants	2019-07-01	96
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2019-07-01	0
Total participants	2019-07-01	96
Number of participants with account balances	2019-07-01	64
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2019-07-01	0
2018: CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 2018 401k membership
Total participants, beginning-of-year	2018-07-01	91
Total number of active participants reported on line 7a of the Form 5500	2018-07-01	91
Number of retired or separated participants receiving benefits	2018-07-01	0
Number of other retired or separated participants entitled to future benefits	2018-07-01	14
Total of all active and inactive participants	2018-07-01	105
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2018-07-01	0
Total participants	2018-07-01	105
Number of participants with account balances	2018-07-01	57
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-07-01	8
2017: CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 2017 401k membership
Total participants, beginning-of-year	2017-07-01	61
Total number of active participants reported on line 7a of the Form 5500	2017-07-01	79
Number of other retired or separated participants entitled to future benefits	2017-07-01	4
Total of all active and inactive participants	2017-07-01	83
Total participants	2017-07-01	83
Number of participants with account balances	2017-07-01	60
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-07-01	0
2016: CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 2016 401k membership
Total participants, beginning-of-year	2016-07-01	59
Total number of active participants reported on line 7a of the Form 5500	2016-07-01	44
Number of other retired or separated participants entitled to future benefits	2016-07-01	4
Total of all active and inactive participants	2016-07-01	48
Total participants	2016-07-01	48
Number of participants with account balances	2016-07-01	43
2015: CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 2015 401k membership
Total participants, beginning-of-year	2015-07-01	52
Total number of active participants reported on line 7a of the Form 5500	2015-07-01	56
Number of retired or separated participants receiving benefits	2015-07-01	2
Number of other retired or separated participants entitled to future benefits	2015-07-01	1
Total of all active and inactive participants	2015-07-01	59
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-07-01	0
Total participants	2015-07-01	59
Number of participants with account balances	2015-07-01	37
Total participants, beginning-of-year	2015-01-01	48
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	49
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	0
Total of all active and inactive participants	2015-01-01	49
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	0
Total participants	2015-01-01	49
Number of participants with account balances	2015-01-01	20
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	0

Financial Data on CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN

Measure	Date	Value
2022 : CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 2022 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2022-06-30	$789,990
Total unrealized appreciation/depreciation of assets	2022-06-30	$789,990
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-06-30	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-06-30	$0
Total income from all sources (including contributions)	2022-06-30	$1,001,131
Total loss/gain on sale of assets	2022-06-30	$0
Total of all expenses incurred	2022-06-30	$239,026
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2022-06-30	$217,526
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2022-06-30	$619,798
Value of total assets at end of year	2022-06-30	$6,914,353
Value of total assets at beginning of year	2022-06-30	$6,152,248
Total of administrative expenses incurred including professional, contract, advisory and management fees	2022-06-30	$21,500
Total interest from all sources	2022-06-30	$3,414
Total dividends received (eg from common stock, registered investment company shares)	2022-06-30	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2022-06-30	No
Was this plan covered by a fidelity bond	2022-06-30	Yes
Value of fidelity bond cover	2022-06-30	$500,000
If this is an individual account plan, was there a blackout period	2022-06-30	No
Were there any nonexempt tranactions with any party-in-interest	2022-06-30	No
Contributions received from participants	2022-06-30	$324,625
Participant contributions at end of year	2022-06-30	$52,270
Participant contributions at beginning of year	2022-06-30	$63,671
Income. Received or receivable in cash from other sources (including rollovers)	2022-06-30	$181,613
Administrative expenses (other) incurred	2022-06-30	$400
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-06-30	No
Value of net income/loss	2022-06-30	$762,105
Value of net assets at end of year (total assets less liabilities)	2022-06-30	$6,914,353
Value of net assets at beginning of year (total assets less liabilities)	2022-06-30	$6,152,248
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2022-06-30	No
Were any loans by the plan or fixed income obligations due to the plan in default	2022-06-30	No
Were any leases to which the plan was party in default or uncollectible	2022-06-30	No
Investment advisory and management fees	2022-06-30	$9,605
Value of interest in registered invesment companies (eg mutual funds) at end of year	2022-06-30	$2,346,828
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2022-06-30	$2,448,567
Interest on participant loans	2022-06-30	$3,414
Value of interest in common/collective trusts at end of year	2022-06-30	$85,255
Value of interest in common/collective trusts at beginning of year	2022-06-30	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2022-06-30	$-412,071
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2022-06-30	No
Was there a failure to transmit to the plan any participant contributions	2022-06-30	No
Has the plan failed to provide any benefit when due under the plan	2022-06-30	No
Contributions received in cash from employer	2022-06-30	$113,560
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2022-06-30	$217,526
Contract administrator fees	2022-06-30	$11,495
Assets. Corporate common stocks other than exployer securities at end of year	2022-06-30	$4,430,000
Assets. Corporate common stocks other than exployer securities at beginning of year	2022-06-30	$3,640,010
Did the plan have assets held for investment	2022-06-30	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-06-30	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2022-06-30	No
Opinion of an independent qualified public accountant for this plan	2022-06-30	Unqualified
Accountancy firm name	2022-06-30	BOBER MARKEY FEDOROVICH & COMPANY
Accountancy firm EIN	2022-06-30	341523030
2021 : CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 2021 401k financial data
Total income from all sources	2021-06-30	$1,203,411
Expenses. Total of all expenses incurred	2021-06-30	$680,875
Benefits paid (including direct rollovers)	2021-06-30	$661,588
Total plan assets at end of year	2021-06-30	$6,152,248
Total plan assets at beginning of year	2021-06-30	$5,629,712
Value of fidelity bond covering the plan	2021-06-30	$500,000
Total contributions received or receivable from participants	2021-06-30	$301,922
Contributions received from other sources (not participants or employers)	2021-06-30	$58,108
Other income received	2021-06-30	$736,736
Net income (gross income less expenses)	2021-06-30	$522,536
Net plan assets at end of year (total assets less liabilities)	2021-06-30	$6,152,248
Net plan assets at beginning of year (total assets less liabilities)	2021-06-30	$5,629,712
Assets. Value of participant loans	2021-06-30	$63,671
Assets. Value of employer securities	2021-06-30	$3,640,010
Total contributions received or receivable from employer(s)	2021-06-30	$106,645
Expenses. Administrative service providers (salaries,fees and commissions)	2021-06-30	$19,287
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2021-06-30	$0
2020 : CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 2020 401k financial data
Total income from all sources	2020-06-30	$2,142,022
Expenses. Total of all expenses incurred	2020-06-30	$265,677
Benefits paid (including direct rollovers)	2020-06-30	$249,748
Total plan assets at end of year	2020-06-30	$5,629,712
Total plan assets at beginning of year	2020-06-30	$3,753,367
Value of fidelity bond covering the plan	2020-06-30	$500,000
Total contributions received or receivable from participants	2020-06-30	$253,692
Expenses. Other expenses not covered elsewhere	2020-06-30	$15,929
Contributions received from other sources (not participants or employers)	2020-06-30	$45,765
Other income received	2020-06-30	$1,758,133
Net income (gross income less expenses)	2020-06-30	$1,876,345
Net plan assets at end of year (total assets less liabilities)	2020-06-30	$5,629,712
Net plan assets at beginning of year (total assets less liabilities)	2020-06-30	$3,753,367
Assets. Value of participant loans	2020-06-30	$58,840
Assets. Value of employer securities	2020-06-30	$3,498,798
Total contributions received or receivable from employer(s)	2020-06-30	$84,432
2019 : CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 2019 401k financial data
Total income from all sources	2019-06-30	$605,774
Expenses. Total of all expenses incurred	2019-06-30	$420,116
Benefits paid (including direct rollovers)	2019-06-30	$410,583
Total plan assets at end of year	2019-06-30	$3,753,367
Total plan assets at beginning of year	2019-06-30	$3,567,709
Value of fidelity bond covering the plan	2019-06-30	$500,000
Total contributions received or receivable from participants	2019-06-30	$244,361
Contributions received from other sources (not participants or employers)	2019-06-30	$5,256
Other income received	2019-06-30	$291,761
Net income (gross income less expenses)	2019-06-30	$185,658
Net plan assets at end of year (total assets less liabilities)	2019-06-30	$3,753,367
Net plan assets at beginning of year (total assets less liabilities)	2019-06-30	$3,567,709
Assets. Value of participant loans	2019-06-30	$49,806
Assets. Value of employer securities	2019-06-30	$1,803,541
Total contributions received or receivable from employer(s)	2019-06-30	$64,396
Expenses. Administrative service providers (salaries,fees and commissions)	2019-06-30	$9,533
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2019-06-30	$0
2017 : CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 2017 401k financial data
Total income from all sources	2017-06-30	$618,932
Expenses. Total of all expenses incurred	2017-06-30	$26,623
Benefits paid (including direct rollovers)	2017-06-30	$20,523
Total plan assets at end of year	2017-06-30	$2,588,868
Total plan assets at beginning of year	2017-06-30	$1,996,559
Value of fidelity bond covering the plan	2017-06-30	$500,000
Total contributions received or receivable from participants	2017-06-30	$169,805
Contributions received from other sources (not participants or employers)	2017-06-30	$100,396
Other income received	2017-06-30	$310,494
Net income (gross income less expenses)	2017-06-30	$592,309
Net plan assets at end of year (total assets less liabilities)	2017-06-30	$2,588,868
Net plan assets at beginning of year (total assets less liabilities)	2017-06-30	$1,996,559
Assets. Value of participant loans	2017-06-30	$29,421
Assets. Value of employer securities	2017-06-30	$1,054,767
Total contributions received or receivable from employer(s)	2017-06-30	$38,237
Value of certain deemed distributions of participant loans	2017-06-30	$5,808
Expenses. Administrative service providers (salaries,fees and commissions)	2017-06-30	$292
2016 : CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 2016 401k financial data
Total income from all sources	2016-06-30	$443,172
Expenses. Total of all expenses incurred	2016-06-30	$137,169
Benefits paid (including direct rollovers)	2016-06-30	$136,983
Total plan assets at end of year	2016-06-30	$1,996,559
Total plan assets at beginning of year	2016-06-30	$1,690,556
Value of fidelity bond covering the plan	2016-06-30	$500,000
Total contributions received or receivable from participants	2016-06-30	$145,906
Other income received	2016-06-30	$266,112
Net income (gross income less expenses)	2016-06-30	$306,003
Net plan assets at end of year (total assets less liabilities)	2016-06-30	$1,996,559
Net plan assets at beginning of year (total assets less liabilities)	2016-06-30	$1,690,556
Assets. Value of participant loans	2016-06-30	$50,925
Assets. Value of employer securities	2016-06-30	$912,321
Total contributions received or receivable from employer(s)	2016-06-30	$31,154
Expenses. Administrative service providers (salaries,fees and commissions)	2016-06-30	$186
2015 : CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 2015 401k financial data
Transfers to/from the plan	2015-06-30	$1,075,911
Total income from all sources	2015-06-30	$614,676
Expenses. Total of all expenses incurred	2015-06-30	$31
Total plan assets at end of year	2015-06-30	$1,690,556
Total plan assets at beginning of year	2015-06-30	$0
Value of fidelity bond covering the plan	2015-06-30	$500,000
Contributions received from other sources (not participants or employers)	2015-06-30	$559,538
Other income received	2015-06-30	$55,138
Net income (gross income less expenses)	2015-06-30	$614,645
Net plan assets at end of year (total assets less liabilities)	2015-06-30	$1,690,556
Net plan assets at beginning of year (total assets less liabilities)	2015-06-30	$0
Assets. Value of participant loans	2015-06-30	$63,662
Assets. Value of employer securities	2015-06-30	$629,905
Expenses. Administrative service providers (salaries,fees and commissions)	2015-06-30	$31

Form 5500 Responses for CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN

2021: CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 2021 form 5500 responses
2021-07-01	Type of plan entity	Single employer plan
2021-07-01	Submission has been amended	No
2021-07-01	This submission is the final filing	No
2021-07-01	This return/report is a short plan year return/report (less than 12 months)	No
2021-07-01	Plan is a collectively bargained plan	No
2021-07-01	Plan funding arrangement – Insurance	Yes
2021-07-01	Plan funding arrangement – Trust	Yes
2021-07-01	Plan benefit arrangement – Insurance	Yes
2021-07-01	Plan benefit arrangement - Trust	Yes
2020: CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 2020 form 5500 responses
2020-07-01	Type of plan entity	Single employer plan
2020-07-01	Submission has been amended	No
2020-07-01	This submission is the final filing	No
2020-07-01	This return/report is a short plan year return/report (less than 12 months)	No
2020-07-01	Plan is a collectively bargained plan	No
2020-07-01	Plan funding arrangement – Trust	Yes
2020-07-01	Plan benefit arrangement - Trust	Yes
2019: CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 2019 form 5500 responses
2019-07-01	Type of plan entity	Single employer plan
2019-07-01	Submission has been amended	No
2019-07-01	This submission is the final filing	No
2019-07-01	This return/report is a short plan year return/report (less than 12 months)	No
2019-07-01	Plan is a collectively bargained plan	No
2019-07-01	Plan funding arrangement – Trust	Yes
2019-07-01	Plan benefit arrangement - Trust	Yes
2018: CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 2018 form 5500 responses
2018-07-01	Type of plan entity	Single employer plan
2018-07-01	Submission has been amended	No
2018-07-01	This submission is the final filing	No
2018-07-01	This return/report is a short plan year return/report (less than 12 months)	No
2018-07-01	Plan is a collectively bargained plan	No
2018-07-01	Plan funding arrangement – Trust	Yes
2018-07-01	Plan benefit arrangement - Trust	Yes
2017: CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 2017 form 5500 responses
2017-07-01	Type of plan entity	Single employer plan
2017-07-01	Plan funding arrangement – Trust	Yes
2017-07-01	Plan benefit arrangement - Trust	Yes
2016: CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 2016 form 5500 responses
2016-07-01	Type of plan entity	Single employer plan
2016-07-01	Plan funding arrangement – Trust	Yes
2016-07-01	Plan benefit arrangement - Trust	Yes
2015: CLEARWATER SERVICES INCORPORATED RETIREMENT PLAN 2015 form 5500 responses
2015-07-01	Type of plan entity	Single employer plan
2015-07-01	Plan funding arrangement – Trust	Yes
2015-07-01	Plan benefit arrangement - Trust	Yes
2015-01-01	Type of plan entity	Single employer plan
2015-01-01	First time form 5500 has been submitted	Yes
2015-01-01	This return/report is a short plan year return/report (less than 12 months)	Yes
2015-01-01	Plan funding arrangement – Trust	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes

Insurance Providers Used on plan

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

Policy contract number

118637

Policy instance

Insurance contract or identification number	118637
Number of Individuals Covered	72
Insurance policy start date	2021-07-01
Insurance policy end date	2022-06-30
Total amount of commissions paid to insurance broker	USD $1,331
Total amount of fees paid to insurance company	USD $1,331
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
Commission paid to Insurance Broker	USD $1,331
Amount paid for insurance broker fees	1331
Additional information about fees paid to insurance broker	TPA
Insurance broker organization code?	5

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

Policy contract number

118637

Policy instance

Insurance contract or identification number	118637
Number of Individuals Covered	60
Insurance policy start date	2018-07-01
Insurance policy end date	2019-06-30
Total amount of commissions paid to insurance broker	USD $994
Total amount of fees paid to insurance company	USD $0
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $994
Insurance broker organization code?	5

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

Policy contract number

Policy instance

Total amount of fees paid to insurance company

USD $350

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

Policy contract number

Policy instance

Number of Individuals Covered	41
Insurance policy start date	2015-07-01
Insurance policy end date	2016-06-30
Total amount of commissions paid to insurance broker	USD $2,176
Total amount of fees paid to insurance company	USD $1,967
Commission paid to Insurance Broker	USD $2,176
Insurance broker organization code?	4
Amount paid for insurance broker fees	1967
Insurance broker name	VALMARK ADVISERS, INC.

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

Policy contract number

Policy instance

Number of Individuals Covered	39
Insurance policy start date	2015-06-12
Insurance policy end date	2015-06-30

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Company Name:	CLEARWATER SERVICES INCORPORATED
Employer identification number (EIN):	472588898
NAIC Classification:	454390
NAIC Description:	Other Direct Selling Establishments