401k Plan data: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN plan

W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 401k Plan overview

Plan Name	W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN
Plan identification number	001

W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Age/Service Weighted or new comparability or similar plan - Age/Service Weighted Plan: Allocations are based on age, service, or age and service. New comparability or similar plan: Allocations are based on participant classifications and a classification(s) consists entirely or predominantly of highly compensated employees; or the plan provides an additional allocation rate on compensation above a specified threshold, and the theshold or additional rate exceeds the maximum threshold or rate allowed under the permitted disparity rules of section 401(l).
Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b), (c), or (m)).

401k Sponsoring company profile

W.E. BOWERS & ASSOCIATES, INC. has sponsored the creation of one or more 401k plans.

Company Name: W.E. BOWERS & ASSOCIATES, INC.

Employer identification number (EIN): 521339598

NAIC Classification: 238220
NAIC Description: Plumbing, Heating, and Air-Conditioning Contractors

Form 5500 Filing Information

Submission information for form 5500 for 401k plan W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2022-01-01
001 2021-01-01
001 2020-01-01
001 2019-01-01
001 2018-01-01
001 2017-01-01 RICHARD HARRINGTON RICHARD HARRINGTON 2018-10-05
001 2016-01-01 RICHARD HARRINGTON
001 2015-01-01 RICHARD HARRINGTON
001 2014-01-01 RICHARD HARRINGTON
001 2013-01-01 RICHARD HARRINGTON
001 2012-01-01 RICHARD HARRINGTON
001 2011-01-01 RICHARD HARRINGTON
001 2010-01-01 RICHARD HARRINGTON
001 2009-01-01 RICHARD HARRINGTON

Plan Statistics for W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN

401k plan membership statisitcs for W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN

Measure Date Value
2022: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2022 401k membership
Total participants, beginning-of-year 2022-01-01 1,267
Total number of active participants reported on line 7a of the Form 5500 2022-01-01 988
Number of retired or separated participants receiving benefits 2022-01-01 0
Number of other retired or separated participants entitled to future benefits 2022-01-01 69
Total of all active and inactive participants 2022-01-01 1,057
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2022-01-01 0
Total participants 2022-01-01 1,057
Number of participants with account balances 2022-01-01 401
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2022-01-01 0
2021: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2021 401k membership
Total participants, beginning-of-year 2021-01-01 1,155
Total number of active participants reported on line 7a of the Form 5500 2021-01-01 1,033
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 56
Total of all active and inactive participants 2021-01-01 1,089
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2021-01-01 0
Total participants 2021-01-01 1,089
Number of participants with account balances 2021-01-01 366
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2021-01-01 0
2020: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2020 401k membership
Total participants, beginning-of-year 2020-01-01 1,185
Total number of active participants reported on line 7a of the Form 5500 2020-01-01 1,051
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 30
Total of all active and inactive participants 2020-01-01 1,081
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2020-01-01 0
Total participants 2020-01-01 1,081
Number of participants with account balances 2020-01-01 283
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2020-01-01 0
2019: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2019 401k membership
Total participants, beginning-of-year 2019-01-01 930
Total number of active participants reported on line 7a of the Form 5500 2019-01-01 968
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 19
Total of all active and inactive participants 2019-01-01 987
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2019-01-01 0
Total participants 2019-01-01 987
Number of participants with account balances 2019-01-01 191
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2019-01-01 0
2018: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2018 401k membership
Total participants, beginning-of-year 2018-01-01 776
Total number of active participants reported on line 7a of the Form 5500 2018-01-01 856
Number of retired or separated participants receiving benefits 2018-01-01 0
Number of other retired or separated participants entitled to future benefits 2018-01-01 14
Total of all active and inactive participants 2018-01-01 870
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2018-01-01 0
Total participants 2018-01-01 870
Number of participants with account balances 2018-01-01 188
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-01-01 0
2017: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2017 401k membership
Total participants, beginning-of-year 2017-01-01 534
Total number of active participants reported on line 7a of the Form 5500 2017-01-01 643
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 10
Total of all active and inactive participants 2017-01-01 653
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2017-01-01 0
Total participants 2017-01-01 653
Number of participants with account balances 2017-01-01 185
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-01-01 0
2016: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2016 401k membership
Total participants, beginning-of-year 2016-01-01 555
Total number of active participants reported on line 7a of the Form 5500 2016-01-01 508
Number of retired or separated participants receiving benefits 2016-01-01 0
Number of other retired or separated participants entitled to future benefits 2016-01-01 23
Total of all active and inactive participants 2016-01-01 531
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2016-01-01 0
Total participants 2016-01-01 531
Number of participants with account balances 2016-01-01 164
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2016-01-01 0
2015: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2015 401k membership
Total participants, beginning-of-year 2015-01-01 527
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 510
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 19
Total of all active and inactive participants 2015-01-01 529
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 0
Total participants 2015-01-01 529
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 5
2014: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 444
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 422
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 16
Total of all active and inactive participants 2014-01-01 438
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 438
Number of participants with account balances 2014-01-01 134
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 0
2013: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2013 401k membership
Total participants, beginning-of-year 2013-01-01 432
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 385
Number of retired or separated participants receiving benefits 2013-01-01 1
Number of other retired or separated participants entitled to future benefits 2013-01-01 17
Total of all active and inactive participants 2013-01-01 403
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 0
Total participants 2013-01-01 403
Number of participants with account balances 2013-01-01 128
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 0
2012: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2012 401k membership
Total participants, beginning-of-year 2012-01-01 407
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 390
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 19
Total of all active and inactive participants 2012-01-01 409
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 0
Total participants 2012-01-01 409
Number of participants with account balances 2012-01-01 117
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 0
2011: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2011 401k membership
Total participants, beginning-of-year 2011-01-01 336
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 390
Number of retired or separated participants receiving benefits 2011-01-01 17
Number of other retired or separated participants entitled to future benefits 2011-01-01 0
Total of all active and inactive participants 2011-01-01 407
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 0
Total participants 2011-01-01 407
Number of participants with account balances 2011-01-01 107
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 0
2010: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2010 401k membership
Total participants, beginning-of-year 2010-01-01 351
Total number of active participants reported on line 7a of the Form 5500 2010-01-01 320
Number of retired or separated participants receiving benefits 2010-01-01 0
Number of other retired or separated participants entitled to future benefits 2010-01-01 16
Total of all active and inactive participants 2010-01-01 336
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2010-01-01 0
Total participants 2010-01-01 336
Number of participants with account balances 2010-01-01 98
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2010-01-01 0
2009: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2009 401k membership
Total participants, beginning-of-year 2009-01-01 356
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 301
Number of retired or separated participants receiving benefits 2009-01-01 0
Number of other retired or separated participants entitled to future benefits 2009-01-01 15
Total of all active and inactive participants 2009-01-01 316
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-01-01 0
Total participants 2009-01-01 316
Number of participants with account balances 2009-01-01 102
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 0

Measure	Date	Value
2022: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2022 401k membership
Total participants, beginning-of-year	2022-01-01	1,267
Total number of active participants reported on line 7a of the Form 5500	2022-01-01	988
Number of retired or separated participants receiving benefits	2022-01-01	0
Number of other retired or separated participants entitled to future benefits	2022-01-01	69
Total of all active and inactive participants	2022-01-01	1,057
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2022-01-01	0
Total participants	2022-01-01	1,057
Number of participants with account balances	2022-01-01	401
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2022-01-01	0
2021: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2021 401k membership
Total participants, beginning-of-year	2021-01-01	1,155
Total number of active participants reported on line 7a of the Form 5500	2021-01-01	1,033
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	56
Total of all active and inactive participants	2021-01-01	1,089
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2021-01-01	0
Total participants	2021-01-01	1,089
Number of participants with account balances	2021-01-01	366
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2021-01-01	0
2020: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2020 401k membership
Total participants, beginning-of-year	2020-01-01	1,185
Total number of active participants reported on line 7a of the Form 5500	2020-01-01	1,051
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	30
Total of all active and inactive participants	2020-01-01	1,081
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2020-01-01	0
Total participants	2020-01-01	1,081
Number of participants with account balances	2020-01-01	283
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2020-01-01	0
2019: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2019 401k membership
Total participants, beginning-of-year	2019-01-01	930
Total number of active participants reported on line 7a of the Form 5500	2019-01-01	968
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	19
Total of all active and inactive participants	2019-01-01	987
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2019-01-01	0
Total participants	2019-01-01	987
Number of participants with account balances	2019-01-01	191
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2019-01-01	0
2018: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2018 401k membership
Total participants, beginning-of-year	2018-01-01	776
Total number of active participants reported on line 7a of the Form 5500	2018-01-01	856
Number of retired or separated participants receiving benefits	2018-01-01	0
Number of other retired or separated participants entitled to future benefits	2018-01-01	14
Total of all active and inactive participants	2018-01-01	870
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2018-01-01	0
Total participants	2018-01-01	870
Number of participants with account balances	2018-01-01	188
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-01-01	0
2017: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2017 401k membership
Total participants, beginning-of-year	2017-01-01	534
Total number of active participants reported on line 7a of the Form 5500	2017-01-01	643
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	10
Total of all active and inactive participants	2017-01-01	653
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2017-01-01	0
Total participants	2017-01-01	653
Number of participants with account balances	2017-01-01	185
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-01-01	0
2016: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2016 401k membership
Total participants, beginning-of-year	2016-01-01	555
Total number of active participants reported on line 7a of the Form 5500	2016-01-01	508
Number of retired or separated participants receiving benefits	2016-01-01	0
Number of other retired or separated participants entitled to future benefits	2016-01-01	23
Total of all active and inactive participants	2016-01-01	531
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2016-01-01	0
Total participants	2016-01-01	531
Number of participants with account balances	2016-01-01	164
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2016-01-01	0
2015: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2015 401k membership
Total participants, beginning-of-year	2015-01-01	527
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	510
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	19
Total of all active and inactive participants	2015-01-01	529
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	0
Total participants	2015-01-01	529
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	5
2014: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	444
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	422
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	16
Total of all active and inactive participants	2014-01-01	438
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	438
Number of participants with account balances	2014-01-01	134
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	0
2013: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2013 401k membership
Total participants, beginning-of-year	2013-01-01	432
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	385
Number of retired or separated participants receiving benefits	2013-01-01	1
Number of other retired or separated participants entitled to future benefits	2013-01-01	17
Total of all active and inactive participants	2013-01-01	403
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	0
Total participants	2013-01-01	403
Number of participants with account balances	2013-01-01	128
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	0
2012: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2012 401k membership
Total participants, beginning-of-year	2012-01-01	407
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	390
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	19
Total of all active and inactive participants	2012-01-01	409
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	0
Total participants	2012-01-01	409
Number of participants with account balances	2012-01-01	117
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	0
2011: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2011 401k membership
Total participants, beginning-of-year	2011-01-01	336
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	390
Number of retired or separated participants receiving benefits	2011-01-01	17
Number of other retired or separated participants entitled to future benefits	2011-01-01	0
Total of all active and inactive participants	2011-01-01	407
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	0
Total participants	2011-01-01	407
Number of participants with account balances	2011-01-01	107
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	0
2010: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2010 401k membership
Total participants, beginning-of-year	2010-01-01	351
Total number of active participants reported on line 7a of the Form 5500	2010-01-01	320
Number of retired or separated participants receiving benefits	2010-01-01	0
Number of other retired or separated participants entitled to future benefits	2010-01-01	16
Total of all active and inactive participants	2010-01-01	336
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2010-01-01	0
Total participants	2010-01-01	336
Number of participants with account balances	2010-01-01	98
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2010-01-01	0
2009: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2009 401k membership
Total participants, beginning-of-year	2009-01-01	356
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	301
Number of retired or separated participants receiving benefits	2009-01-01	0
Number of other retired or separated participants entitled to future benefits	2009-01-01	15
Total of all active and inactive participants	2009-01-01	316
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-01-01	0
Total participants	2009-01-01	316
Number of participants with account balances	2009-01-01	102
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	0

Financial Data on W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN

Measure	Date	Value
2022 : W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2022 401k financial data
Total unrealized appreciation/depreciation of assets	2022-12-31	$0
Total transfer of assets to this plan	2022-12-31	$0
Total transfer of assets from this plan	2022-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-12-31	$0
Total income from all sources (including contributions)	2022-12-31	$-619,305
Total loss/gain on sale of assets	2022-12-31	$0
Total of all expenses incurred	2022-12-31	$576,022
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2022-12-31	$482,508
Expenses. Certain deemed distributions of participant loans	2022-12-31	$8,650
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2022-12-31	$2,216,491
Value of total assets at end of year	2022-12-31	$16,753,458
Value of total assets at beginning of year	2022-12-31	$17,948,785
Total of administrative expenses incurred including professional, contract, advisory and management fees	2022-12-31	$84,864
Total interest from all sources	2022-12-31	$20,723
Total dividends received (eg from common stock, registered investment company shares)	2022-12-31	$460,656
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2022-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2022-12-31	$460,656
Was this plan covered by a fidelity bond	2022-12-31	Yes
Value of fidelity bond cover	2022-12-31	$500,000
If this is an individual account plan, was there a blackout period	2022-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2022-12-31	No
Contributions received from participants	2022-12-31	$2,183,068
Participant contributions at end of year	2022-12-31	$476,930
Participant contributions at beginning of year	2022-12-31	$384,258
Income. Received or receivable in cash from other sources (including rollovers)	2022-12-31	$33,423
Administrative expenses (other) incurred	2022-12-31	$84,864
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-12-31	No
Value of net income/loss	2022-12-31	$-1,195,327
Value of net assets at end of year (total assets less liabilities)	2022-12-31	$16,753,458
Value of net assets at beginning of year (total assets less liabilities)	2022-12-31	$17,948,785
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2022-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2022-12-31	No
Were any leases to which the plan was party in default or uncollectible	2022-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2022-12-31	$15,602,890
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2022-12-31	$17,310,487
Interest on participant loans	2022-12-31	$20,723
Value of interest in common/collective trusts at end of year	2022-12-31	$673,638
Value of interest in common/collective trusts at beginning of year	2022-12-31	$254,040
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2022-12-31	$-3,329,313
Net investment gain or loss from common/collective trusts	2022-12-31	$12,138
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2022-12-31	No
Was there a failure to transmit to the plan any participant contributions	2022-12-31	No
Has the plan failed to provide any benefit when due under the plan	2022-12-31	No
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2022-12-31	$482,508
Did the plan have assets held for investment	2022-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2022-12-31	No
Opinion of an independent qualified public accountant for this plan	2022-12-31	Unqualified
Accountancy firm name	2022-12-31	FAW, CASSON & CO., LLP
Accountancy firm EIN	2022-12-31	520619968
2021 : W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2021 401k financial data
Total unrealized appreciation/depreciation of assets	2021-12-31	$0
Total transfer of assets to this plan	2021-12-31	$0
Total transfer of assets from this plan	2021-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-12-31	$0
Total income from all sources (including contributions)	2021-12-31	$4,051,583
Total loss/gain on sale of assets	2021-12-31	$0
Total of all expenses incurred	2021-12-31	$1,654,811
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2021-12-31	$1,528,505
Expenses. Certain deemed distributions of participant loans	2021-12-31	$45,385
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2021-12-31	$2,074,303
Value of total assets at end of year	2021-12-31	$17,948,785
Value of total assets at beginning of year	2021-12-31	$15,552,013
Total of administrative expenses incurred including professional, contract, advisory and management fees	2021-12-31	$80,921
Total interest from all sources	2021-12-31	$17,359
Total dividends received (eg from common stock, registered investment company shares)	2021-12-31	$2,218,503
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2021-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2021-12-31	$2,218,503
Was this plan covered by a fidelity bond	2021-12-31	Yes
Value of fidelity bond cover	2021-12-31	$500,000
If this is an individual account plan, was there a blackout period	2021-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2021-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2021-12-31	No
Contributions received from participants	2021-12-31	$2,060,322
Participant contributions at end of year	2021-12-31	$384,258
Participant contributions at beginning of year	2021-12-31	$301,556
Income. Received or receivable in cash from other sources (including rollovers)	2021-12-31	$13,981
Administrative expenses (other) incurred	2021-12-31	$80,921
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-12-31	No
Value of net income/loss	2021-12-31	$2,396,772
Value of net assets at end of year (total assets less liabilities)	2021-12-31	$17,948,785
Value of net assets at beginning of year (total assets less liabilities)	2021-12-31	$15,552,013
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2021-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2021-12-31	No
Were any leases to which the plan was party in default or uncollectible	2021-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2021-12-31	$17,310,487
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2021-12-31	$15,037,182
Interest on participant loans	2021-12-31	$17,359
Value of interest in common/collective trusts at end of year	2021-12-31	$254,040
Value of interest in common/collective trusts at beginning of year	2021-12-31	$213,275
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2021-12-31	$-264,015
Net investment gain or loss from common/collective trusts	2021-12-31	$5,433
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2021-12-31	No
Was there a failure to transmit to the plan any participant contributions	2021-12-31	No
Has the plan failed to provide any benefit when due under the plan	2021-12-31	No
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2021-12-31	$1,528,505
Did the plan have assets held for investment	2021-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2021-12-31	No
Opinion of an independent qualified public accountant for this plan	2021-12-31	Unqualified
Accountancy firm name	2021-12-31	MICHAEL RINALDI & CO. LLP
Accountancy firm EIN	2021-12-31	481267223
2020 : W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2020 401k financial data
Total unrealized appreciation/depreciation of assets	2020-12-31	$0
Total transfer of assets from this plan	2020-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$0
Total income from all sources (including contributions)	2020-12-31	$3,469,121
Total loss/gain on sale of assets	2020-12-31	$0
Total of all expenses incurred	2020-12-31	$447,318
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2020-12-31	$403,614
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2020-12-31	$1,467,168
Value of total assets at end of year	2020-12-31	$15,552,013
Value of total assets at beginning of year	2020-12-31	$12,530,210
Total of administrative expenses incurred including professional, contract, advisory and management fees	2020-12-31	$43,704
Total interest from all sources	2020-12-31	$18,053
Total dividends received (eg from common stock, registered investment company shares)	2020-12-31	$443,175
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	$443,175
Was this plan covered by a fidelity bond	2020-12-31	Yes
Value of fidelity bond cover	2020-12-31	$1,300,000
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	$1,465,953
Participant contributions at end of year	2020-12-31	$301,556
Participant contributions at beginning of year	2020-12-31	$238,252
Income. Received or receivable in cash from other sources (including rollovers)	2020-12-31	$1,215
Other income not declared elsewhere	2020-12-31	$5,000
Administrative expenses (other) incurred	2020-12-31	$43,704
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	$3,021,803
Value of net assets at end of year (total assets less liabilities)	2020-12-31	$15,552,013
Value of net assets at beginning of year (total assets less liabilities)	2020-12-31	$12,530,210
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2020-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2020-12-31	No
Were any leases to which the plan was party in default or uncollectible	2020-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2020-12-31	$15,037,182
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2020-12-31	$653,908
Value of interest in pooled separate accounts at beginning of year	2020-12-31	$262,536
Interest on participant loans	2020-12-31	$18,053
Value of interest in common/collective trusts at end of year	2020-12-31	$213,275
Value of interest in common/collective trusts at beginning of year	2020-12-31	$11,281,517
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2020-12-31	$93,997
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2020-12-31	$1,532,343
Net investment gain or loss from common/collective trusts	2020-12-31	$3,382
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
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2020-12-31	$403,614
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	MICHAEL RINALDI & CO. LLP
Accountancy firm EIN	2020-12-31	481267223
2019 : W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2019 401k financial data
Unrealized appreciation/depreciation of real estate assets	2019-12-31	$0
Unrealized appreciation/depreciation of other (non real estate) assets	2019-12-31	$0
Total unrealized appreciation/depreciation of assets	2019-12-31	$0
Total transfer of assets to this plan	2019-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total income from all sources (including contributions)	2019-12-31	$3,430,928
Total loss/gain on sale of assets	2019-12-31	$0
Total of all expenses incurred	2019-12-31	$1,116,186
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$1,050,018
Expenses. Certain deemed distributions of participant loans	2019-12-31	$0
Value of total corrective distributions	2019-12-31	$18,664
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$1,255,154
Value of total assets at end of year	2019-12-31	$12,530,210
Value of total assets at beginning of year	2019-12-31	$10,215,468
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-12-31	$47,504
Total income from rents	2019-12-31	$0
Total interest from all sources	2019-12-31	$16,737
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$8,057
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	$8,057
Administrative expenses professional fees incurred	2019-12-31	$1,194
Was this plan covered by a fidelity bond	2019-12-31	Yes
Value of fidelity bond cover	2019-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2019-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2019-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2019-12-31	No
Amount of non-exempt transactions with any party-in-interest	2019-12-31	$0
Contributions received from participants	2019-12-31	$1,230,980
Participant contributions at end of year	2019-12-31	$238,252
Participant contributions at beginning of year	2019-12-31	$200,499
Participant contributions at end of year	2019-12-31	$0
Participant contributions at beginning of year	2019-12-31	$7
Income. Received or receivable in cash from other sources (including rollovers)	2019-12-31	$24,174
Expenses. Other payments made (not to insurance carriers or or participants/beneficiaries)	2019-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at end of year	2019-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2019-12-31	$0
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	$0
Administrative expenses (other) incurred	2019-12-31	$0
Liabilities. Value of operating payables at beginning of year	2019-12-31	$0
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	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Value of net income/loss	2019-12-31	$2,314,742
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$12,530,210
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$10,215,468
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
Amount of loans by the plan or fixed income obligations due to the plan which were in default/classified-as-uncollectible as of the close of the plan year	2019-12-31	$0
Were any leases to which the plan was party in default or uncollectible	2019-12-31	No
Amount of leases to which the plan was a party which were in default/classified-as-uncollectible during the year	2019-12-31	$0
Investment advisory and management fees	2019-12-31	$1,194
Value of interest in registered invesment companies (eg mutual funds) at end of year	2019-12-31	$653,908
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2019-12-31	$264,582
Value of interest in pooled separate accounts at end of year	2019-12-31	$262,536
Value of interest in pooled separate accounts at beginning of year	2019-12-31	$77,832
Interest on participant loans	2019-12-31	$14,643
Income. Interest from loans (other than to participants)	2019-12-31	$0
Interest earned on other investments	2019-12-31	$2,094
Income. Interest from US Government securities	2019-12-31	$0
Income. Interest from corporate debt instruments	2019-12-31	$0
Value of interest in common/collective trusts at end of year	2019-12-31	$11,281,517
Value of interest in common/collective trusts at beginning of year	2019-12-31	$9,626,411
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2019-12-31	$0
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2019-12-31	$93,997
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2019-12-31	$46,137
Expenses. Payments to insurance carriers foe the provision of benefits	2019-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2019-12-31	$117,355
Net investment gain/loss from pooled separate accounts	2019-12-31	$33,762
Net investment gain or loss from common/collective trusts	2019-12-31	$1,999,863
Net gain/loss from 103.12 investment entities	2019-12-31	$0
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	$0
Employer contributions (assets) at end of year	2019-12-31	$0
Employer contributions (assets) at beginning of year	2019-12-31	$0
Income. Dividends from preferred stock	2019-12-31	$0
Income. Dividends from common stock	2019-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-12-31	$1,050,018
Contract administrator fees	2019-12-31	$45,116
Liabilities. Value of benefit claims payable at beginning of year	2019-12-31	$0
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
Aggregate proceeds on sale of assets	2019-12-31	$0
Aggregate carrying amount (costs) on sale of assets	2019-12-31	$0
Liabilities. Value of acquisition indebtedness at beginning of year	2019-12-31	$0
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	MICHAEL RINALDI & CO. LLP
Accountancy firm EIN	2019-12-31	481267223
2018 : W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2018 401k financial data
Unrealized appreciation/depreciation of real estate assets	2018-12-31	$0
Unrealized appreciation/depreciation of other (non real estate) assets	2018-12-31	$0
Total unrealized appreciation/depreciation of assets	2018-12-31	$0
Total transfer of assets to this plan	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	$327,323
Total loss/gain on sale of assets	2018-12-31	$0
Total of all expenses incurred	2018-12-31	$410,888
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2018-12-31	$348,032
Expenses. Certain deemed distributions of participant loans	2018-12-31	$0
Value of total corrective distributions	2018-12-31	$13,532
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2018-12-31	$1,095,475
Value of total assets at end of year	2018-12-31	$10,215,468
Value of total assets at beginning of year	2018-12-31	$10,299,033
Total of administrative expenses incurred including professional, contract, advisory and management fees	2018-12-31	$49,324
Total income from rents	2018-12-31	$0
Total interest from all sources	2018-12-31	$11,759
Total dividends received (eg from common stock, registered investment company shares)	2018-12-31	$5,988
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2018-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2018-12-31	$5,988
Administrative expenses professional fees incurred	2018-12-31	$0
Was this plan covered by a fidelity bond	2018-12-31	Yes
Value of fidelity bond cover	2018-12-31	$1,000,000
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
Amount of non-exempt transactions with any party-in-interest	2018-12-31	$0
Contributions received from participants	2018-12-31	$1,095,475
Participant contributions at end of year	2018-12-31	$200,499
Participant contributions at beginning of year	2018-12-31	$224,393
Participant contributions at end of year	2018-12-31	$7
Participant contributions at beginning of year	2018-12-31	$0
Income. Received or receivable in cash from other sources (including rollovers)	2018-12-31	$0
Expenses. Other payments made (not to insurance carriers or or participants/beneficiaries)	2018-12-31	$1,106
Value of other receiveables (less allowance for doubtful accounts) at end of year	2018-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2018-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2018-12-31	$0
Other income not declared elsewhere	2018-12-31	$-1,878
Administrative expenses (other) incurred	2018-12-31	$0
Liabilities. Value of operating payables at beginning of year	2018-12-31	$0
Total non interest bearing cash at end of year	2018-12-31	$0
Total non interest bearing cash at beginning of year	2018-12-31	$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	2018-12-31	No
Value of net income/loss	2018-12-31	$-83,565
Value of net assets at end of year (total assets less liabilities)	2018-12-31	$10,215,468
Value of net assets at beginning of year (total assets less liabilities)	2018-12-31	$10,299,033
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
Amount of loans by the plan or fixed income obligations due to the plan which were in default/classified-as-uncollectible as of the close of the plan year	2018-12-31	$0
Were any leases to which the plan was party in default or uncollectible	2018-12-31	No
Amount of leases to which the plan was a party which were in default/classified-as-uncollectible during the year	2018-12-31	$0
Investment advisory and management fees	2018-12-31	$0
Value of interest in registered invesment companies (eg mutual funds) at end of year	2018-12-31	$264,582
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2018-12-31	$122,685
Value of interest in pooled separate accounts at end of year	2018-12-31	$77,832
Value of interest in pooled separate accounts at beginning of year	2018-12-31	$3,395
Interest on participant loans	2018-12-31	$11,052
Income. Interest from loans (other than to participants)	2018-12-31	$0
Interest earned on other investments	2018-12-31	$707
Income. Interest from US Government securities	2018-12-31	$0
Income. Interest from corporate debt instruments	2018-12-31	$0
Value of interest in common/collective trusts at end of year	2018-12-31	$9,626,411
Value of interest in common/collective trusts at beginning of year	2018-12-31	$9,947,784
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2018-12-31	$0
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2018-12-31	$46,137
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2018-12-31	$776
Expenses. Payments to insurance carriers foe the provision of benefits	2018-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2018-12-31	$-30,644
Net investment gain/loss from pooled separate accounts	2018-12-31	$-10,750
Net investment gain or loss from common/collective trusts	2018-12-31	$-742,627
Net gain/loss from 103.12 investment entities	2018-12-31	$0
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	$0
Employer contributions (assets) at end of year	2018-12-31	$0
Employer contributions (assets) at beginning of year	2018-12-31	$0
Income. Dividends from preferred stock	2018-12-31	$0
Income. Dividends from common stock	2018-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2018-12-31	$346,926
Contract administrator fees	2018-12-31	$49,324
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
Aggregate proceeds on sale of assets	2018-12-31	$0
Aggregate carrying amount (costs) on sale of assets	2018-12-31	$0
Liabilities. Value of acquisition indebtedness at beginning of year	2018-12-31	$0
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	MICHAEL RINALDI & CO. LLP
Accountancy firm EIN	2018-12-31	481267223
2017 : W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2017 401k financial data
Unrealized appreciation/depreciation of real estate assets	2017-12-31	$0
Unrealized appreciation/depreciation of other (non real estate) assets	2017-12-31	$0
Total unrealized appreciation/depreciation of assets	2017-12-31	$0
Total transfer of assets to this plan	2017-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$0
Expenses. Interest paid	2017-12-31	$0
Amount of participant contributions which was failed to transmit to the plan within the time period described in 29 CFR 251.3-102	2017-12-31	$0
Total income from all sources (including contributions)	2017-12-31	$2,414,168
Total loss/gain on sale of assets	2017-12-31	$0
Total of all expenses incurred	2017-12-31	$780,403
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2017-12-31	$726,776
Expenses. Certain deemed distributions of participant loans	2017-12-31	$0
Value of total corrective distributions	2017-12-31	$29,972
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2017-12-31	$995,396
Value of total assets at end of year	2017-12-31	$10,299,033
Value of total assets at beginning of year	2017-12-31	$8,665,268
Total of administrative expenses incurred including professional, contract, advisory and management fees	2017-12-31	$23,655
Total income from rents	2017-12-31	$0
Total interest from all sources	2017-12-31	$14,117
Total dividends received (eg from common stock, registered investment company shares)	2017-12-31	$888
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2017-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2017-12-31	$888
Administrative expenses professional fees incurred	2017-12-31	$0
Was this plan covered by a fidelity bond	2017-12-31	Yes
Value of fidelity bond cover	2017-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2017-12-31	Yes
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
Amount of non-exempt transactions with any party-in-interest	2017-12-31	$0
Contributions received from participants	2017-12-31	$933,848
Participant contributions at end of year	2017-12-31	$224,393
Participant contributions at beginning of year	2017-12-31	$248,914
Participant contributions at end of year	2017-12-31	$0
Participant contributions at beginning of year	2017-12-31	$295
Income. Received or receivable in cash from other sources (including rollovers)	2017-12-31	$61,548
Expenses. Other payments made (not to insurance carriers or or participants/beneficiaries)	2017-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at end of year	2017-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2017-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2017-12-31	$0
Other income not declared elsewhere	2017-12-31	$2,232
Administrative expenses (other) incurred	2017-12-31	$0
Liabilities. Value of operating payables at beginning of year	2017-12-31	$0
Total non interest bearing cash at end of year	2017-12-31	$0
Total non interest bearing cash at beginning of year	2017-12-31	$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	2017-12-31	No
Income. Non cash contributions	2017-12-31	$0
Value of net income/loss	2017-12-31	$1,633,765
Value of net assets at end of year (total assets less liabilities)	2017-12-31	$10,299,033
Value of net assets at beginning of year (total assets less liabilities)	2017-12-31	$8,665,268
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
Amount of loans by the plan or fixed income obligations due to the plan which were in default/classified-as-uncollectible as of the close of the plan year	2017-12-31	$0
Were any leases to which the plan was party in default or uncollectible	2017-12-31	No
Amount of leases to which the plan was a party which were in default/classified-as-uncollectible during the year	2017-12-31	$0
Investment advisory and management fees	2017-12-31	$0
Value of interest in registered invesment companies (eg mutual funds) at end of year	2017-12-31	$122,685
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2017-12-31	$8,043,557
Value of interest in pooled separate accounts at end of year	2017-12-31	$3,395
Value of interest in pooled separate accounts at beginning of year	2017-12-31	$0
Interest on participant loans	2017-12-31	$13,118
Income. Interest from loans (other than to participants)	2017-12-31	$0
Interest earned on other investments	2017-12-31	$999
Income. Interest from US Government securities	2017-12-31	$0
Income. Interest from corporate debt instruments	2017-12-31	$0
Value of interest in common/collective trusts at end of year	2017-12-31	$9,947,784
Value of interest in common/collective trusts at beginning of year	2017-12-31	$0
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2017-12-31	$0
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2017-12-31	$776
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2017-12-31	$372,502
Expenses. Payments to insurance carriers foe the provision of benefits	2017-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2017-12-31	$652,385
Net investment gain/loss from pooled separate accounts	2017-12-31	$114
Net investment gain or loss from common/collective trusts	2017-12-31	$749,036
Net gain/loss from 103.12 investment entities	2017-12-31	$0
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	$0
Employer contributions (assets) at end of year	2017-12-31	$0
Employer contributions (assets) at beginning of year	2017-12-31	$0
Income. Dividends from preferred stock	2017-12-31	$0
Income. Dividends from common stock	2017-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2017-12-31	$726,776
Contract administrator fees	2017-12-31	$23,655
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	2017-12-31	Yes
Liabilities. Value of benefit claims payable at beginning of year	2017-12-31	$0
Did the plan have assets held for investment	2017-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2017-12-31	No
Aggregate proceeds on sale of assets	2017-12-31	$0
Aggregate carrying amount (costs) on sale of assets	2017-12-31	$0
Liabilities. Value of acquisition indebtedness at beginning of year	2017-12-31	$0
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2017-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2017-12-31	Disclaimer
Accountancy firm name	2017-12-31	MICHAEL RINALDI & CO, LLP
Accountancy firm EIN	2017-12-31	481267223
2016 : W.E. BOWERS AND ASSOCIATES UNION 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	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
Total income from all sources (including contributions)	2016-12-31	$1,255,810
Total loss/gain on sale of assets	2016-12-31	$0
Total of all expenses incurred	2016-12-31	$640,395
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2016-12-31	$583,411
Expenses. Certain deemed distributions of participant loans	2016-12-31	$17,471
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2016-12-31	$783,784
Value of total assets at end of year	2016-12-31	$8,665,268
Value of total assets at beginning of year	2016-12-31	$8,049,853
Total of administrative expenses incurred including professional, contract, advisory and management fees	2016-12-31	$39,513
Total interest from all sources	2016-12-31	$9,135
Total dividends received (eg from common stock, registered investment company shares)	2016-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2016-12-31	No
Was this plan covered by a fidelity bond	2016-12-31	Yes
Value of fidelity bond cover	2016-12-31	$1,000,000
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	$783,702
Participant contributions at end of year	2016-12-31	$248,914
Participant contributions at beginning of year	2016-12-31	$136,790
Participant contributions at end of year	2016-12-31	$295
Participant contributions at beginning of year	2016-12-31	$295
Income. Received or receivable in cash from other sources (including rollovers)	2016-12-31	$82
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	$615,415
Value of net assets at end of year (total assets less liabilities)	2016-12-31	$8,665,268
Value of net assets at beginning of year (total assets less liabilities)	2016-12-31	$8,049,853
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	$8,043,557
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2016-12-31	$7,540,266
Interest on participant loans	2016-12-31	$9,135
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2016-12-31	$372,502
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2016-12-31	$372,502
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2016-12-31	$462,891
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2016-12-31	No
Was there a failure to transmit to the plan any participant contributions	2016-12-31	No
Has the plan failed to provide any benefit when due under the plan	2016-12-31	No
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2016-12-31	$583,411
Contract administrator fees	2016-12-31	$39,513
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	MICHAEL RINALDI & CO, LLP
Accountancy firm EIN	2016-12-31	481267223
2015 : W.E. BOWERS AND ASSOCIATES UNION 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	$699,190
Total loss/gain on sale of assets	2015-12-31	$0
Total of all expenses incurred	2015-12-31	$308,377
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$270,417
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$789,743
Value of total assets at end of year	2015-12-31	$8,049,853
Value of total assets at beginning of year	2015-12-31	$7,659,040
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$37,960
Total interest from all sources	2015-12-31	$5,961
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	$1,000,000
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	$789,743
Participant contributions at end of year	2015-12-31	$136,790
Participant contributions at beginning of year	2015-12-31	$121,724
Participant contributions at end of year	2015-12-31	$295
Participant contributions at beginning of year	2015-12-31	$295
Value of other receiveables (less allowance for doubtful accounts) at end of year	2015-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2015-12-31	$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	2015-12-31	No
Value of net income/loss	2015-12-31	$390,813
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$8,049,853
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$7,659,040
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	$7,540,266
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2015-12-31	$7,179,608
Interest on participant loans	2015-12-31	$5,961
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2015-12-31	$372,502
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2015-12-31	$357,413
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2015-12-31	$-96,514
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
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$270,417
Contract administrator fees	2015-12-31	$37,960
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	MICHAEL RINALDI & CO, LLP
Accountancy firm EIN	2015-12-31	481267223
2014 : W.E. BOWERS AND ASSOCIATES UNION 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	$0
Total income from all sources (including contributions)	2014-12-31	$1,044,341
Total loss/gain on sale of assets	2014-12-31	$0
Total of all expenses incurred	2014-12-31	$167,600
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$134,872
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$729,007
Value of total assets at end of year	2014-12-31	$7,659,040
Value of total assets at beginning of year	2014-12-31	$6,782,299
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$32,728
Total interest from all sources	2014-12-31	$6,318
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	$1,000,000
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	$729,007
Participant contributions at end of year	2014-12-31	$121,724
Participant contributions at beginning of year	2014-12-31	$158,899
Participant contributions at end of year	2014-12-31	$295
Participant contributions at beginning of year	2014-12-31	$12,383
Value of other receiveables (less allowance for doubtful accounts) at end of year	2014-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2014-12-31	$1,363
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Value of net income/loss	2014-12-31	$876,741
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$7,659,040
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$6,782,299
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	$7,179,608
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2014-12-31	$6,200,873
Interest on participant loans	2014-12-31	$6,318
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2014-12-31	$357,413
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2014-12-31	$408,781
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2014-12-31	$309,016
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
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$134,872
Contract administrator fees	2014-12-31	$32,728
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	MICHAEL RINALDI & CO, LLP
Accountancy firm EIN	2014-12-31	481267223
2013 : W.E. BOWERS AND ASSOCIATES UNION 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	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Total income from all sources (including contributions)	2013-12-31	$1,532,150
Total loss/gain on sale of assets	2013-12-31	$0
Total of all expenses incurred	2013-12-31	$492,420
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$464,521
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$744,527
Value of total assets at end of year	2013-12-31	$6,782,299
Value of total assets at beginning of year	2013-12-31	$5,742,569
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$27,899
Total interest from all sources	2013-12-31	$7,327
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	$1,000,000
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	$695,311
Participant contributions at end of year	2013-12-31	$158,899
Participant contributions at beginning of year	2013-12-31	$123,166
Participant contributions at end of year	2013-12-31	$12,383
Participant contributions at beginning of year	2013-12-31	$11,241
Income. Received or receivable in cash from other sources (including rollovers)	2013-12-31	$49,216
Value of other receiveables (less allowance for doubtful accounts) at end of year	2013-12-31	$1,363
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2013-12-31	$975
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	$1,039,730
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$6,782,299
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$5,742,569
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	$6,200,873
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2013-12-31	$5,203,813
Income. Interest from loans (other than to participants)	2013-12-31	$7,327
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2013-12-31	$408,781
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2013-12-31	$403,374
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2013-12-31	$780,296
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
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$464,521
Contract administrator fees	2013-12-31	$27,899
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	MICHAEL RINALDI & CO, LLP
Accountancy firm EIN	2013-12-31	481267223
2012 : W.E. BOWERS AND ASSOCIATES UNION 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	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total income from all sources (including contributions)	2012-12-31	$1,212,039
Total loss/gain on sale of assets	2012-12-31	$0
Total of all expenses incurred	2012-12-31	$131,212
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$128,925
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$652,790
Value of total assets at end of year	2012-12-31	$5,742,569
Value of total assets at beginning of year	2012-12-31	$4,661,742
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$2,287
Total interest from all sources	2012-12-31	$4,587
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	$1,000,000
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	$650,214
Participant contributions at end of year	2012-12-31	$123,166
Participant contributions at beginning of year	2012-12-31	$116,986
Participant contributions at end of year	2012-12-31	$11,241
Participant contributions at beginning of year	2012-12-31	$9,689
Income. Received or receivable in cash from other sources (including rollovers)	2012-12-31	$2,576
Value of other receiveables (less allowance for doubtful accounts) at end of year	2012-12-31	$975
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2012-12-31	$1,660
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	$1,080,827
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$5,742,569
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$4,661,742
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	$5,203,813
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2012-12-31	$4,130,956
Interest on participant loans	2012-12-31	$4,587
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2012-12-31	$403,374
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2012-12-31	$402,451
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2012-12-31	$554,662
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
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$128,925
Contract administrator fees	2012-12-31	$2,287
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	MICHAEL RINALDI & CO, LLP
Accountancy firm EIN	2012-12-31	481267223
2011 : W.E. BOWERS AND ASSOCIATES UNION 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	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total income from all sources (including contributions)	2011-12-31	$504,068
Total loss/gain on sale of assets	2011-12-31	$0
Total of all expenses incurred	2011-12-31	$130,138
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$129,108
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$586,171
Value of total assets at end of year	2011-12-31	$4,661,742
Value of total assets at beginning of year	2011-12-31	$4,287,812
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$1,030
Total interest from all sources	2011-12-31	$5,228
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
Total dividends received from registered investment company shares (eg mutual funds)	2011-12-31	$0
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$1,000,000
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	$586,171
Participant contributions at end of year	2011-12-31	$116,986
Participant contributions at beginning of year	2011-12-31	$108,276
Participant contributions at end of year	2011-12-31	$9,689
Participant contributions at beginning of year	2011-12-31	$42
Value of other receiveables (less allowance for doubtful accounts) at end of year	2011-12-31	$1,660
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	$373,930
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$4,661,742
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$4,287,812
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	$4,130,956
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2011-12-31	$3,826,839
Interest on participant loans	2011-12-31	$5,228
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2011-12-31	$402,451
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2011-12-31	$352,655
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2011-12-31	$-87,331
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
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$129,108
Contract administrator fees	2011-12-31	$1,030
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	MICHAEL RINALDI & CO, LLP
Accountancy firm EIN	2011-12-31	481267223
2010 : W.E. BOWERS AND ASSOCIATES UNION 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	$973,240
Total loss/gain on sale of assets	2010-12-31	$0
Total of all expenses incurred	2010-12-31	$193,440
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2010-12-31	$178,880
Value of total corrective distributions	2010-12-31	$12,989
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2010-12-31	$528,046
Value of total assets at end of year	2010-12-31	$4,287,812
Value of total assets at beginning of year	2010-12-31	$3,508,012
Total of administrative expenses incurred including professional, contract, advisory and management fees	2010-12-31	$1,571
Total interest from all sources	2010-12-31	$4,763
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
Total dividends received from registered investment company shares (eg mutual funds)	2010-12-31	$0
Was this plan covered by a fidelity bond	2010-12-31	Yes
Value of fidelity bond cover	2010-12-31	$1,000,000
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	$528,040
Participant contributions at end of year	2010-12-31	$108,276
Participant contributions at beginning of year	2010-12-31	$53,600
Participant contributions at end of year	2010-12-31	$42
Participant contributions at beginning of year	2010-12-31	$8,861
Income. Received or receivable in cash from other sources (including rollovers)	2010-12-31	$6
Value of other receiveables (less allowance for doubtful accounts) at end of year	2010-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2010-12-31	$640
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Value of net income/loss	2010-12-31	$779,800
Value of net assets at end of year (total assets less liabilities)	2010-12-31	$4,287,812
Value of net assets at beginning of year (total assets less liabilities)	2010-12-31	$3,508,012
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	$3,826,839
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2010-12-31	$3,114,576
Interest on participant loans	2010-12-31	$4,763
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2010-12-31	$352,655
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2010-12-31	$330,335
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2010-12-31	$440,431
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	Yes
Has the plan failed to provide any benefit when due under the plan	2010-12-31	No
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2010-12-31	$178,880
Contract administrator fees	2010-12-31	$1,571
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	MICHAEL RINALDI & CO, LLP
Accountancy firm EIN	2010-12-31	481267223
2009 : W.E. BOWERS AND ASSOCIATES UNION 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 W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN

2022: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2022 form 5500 responses
2022-01-01	Type of plan entity	Single employer plan
2022-01-01	Submission has been amended	No
2022-01-01	This submission is the final filing	No
2022-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2022-01-01	Plan is a collectively bargained plan	No
2022-01-01	Plan funding arrangement – Trust	Yes
2022-01-01	Plan benefit arrangement - Trust	Yes
2021: W.E. BOWERS AND ASSOCIATES UNION 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	No
2021-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2021-01-01	Plan is a collectively bargained plan	No
2021-01-01	Plan funding arrangement – Trust	Yes
2021-01-01	Plan benefit arrangement - Trust	Yes
2020: W.E. BOWERS AND ASSOCIATES UNION 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: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2019 form 5500 responses
2019-01-01	Type of plan entity	Single employer plan
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	Yes
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: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2018 form 5500 responses
2018-01-01	Type of plan entity	Single employer plan
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	Yes
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: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2017 form 5500 responses
2017-01-01	Type of plan entity	Single employer plan
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	Yes
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: W.E. BOWERS AND ASSOCIATES UNION 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	Yes
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: W.E. BOWERS AND ASSOCIATES UNION 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	Yes
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: W.E. BOWERS AND ASSOCIATES UNION 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	Yes
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: W.E. BOWERS AND ASSOCIATES UNION 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	Yes
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: W.E. BOWERS AND ASSOCIATES UNION 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	Yes
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: W.E. BOWERS AND ASSOCIATES UNION 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	Yes
2011-01-01	Plan funding arrangement – Insurance	Yes
2011-01-01	Plan funding arrangement – Trust	Yes
2011-01-01	Plan benefit arrangement – Insurance	Yes
2011-01-01	Plan benefit arrangement - Trust	Yes
2010: W.E. BOWERS AND ASSOCIATES UNION RETIREMENT PLAN 2010 form 5500 responses
2010-01-01	Type of plan entity	Single employer plan
2010-01-01	Submission has been amended	No
2010-01-01	This submission is the final filing	No
2010-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2010-01-01	Plan is a collectively bargained plan	Yes
2010-01-01	Plan funding arrangement – Insurance	Yes
2010-01-01	Plan funding arrangement – Trust	Yes
2010-01-01	Plan benefit arrangement – Insurance	Yes
2010-01-01	Plan benefit arrangement - Trust	Yes
2009: W.E. BOWERS AND ASSOCIATES UNION 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	Yes
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

PRINCIPAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 61271 )

Policy contract number

613953

Policy instance

Insurance contract or identification number	613953
Number of Individuals Covered	987
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?	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?	Yes

PRINCIPAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 61271 )

Policy contract number

465332

Policy instance

Insurance contract or identification number	465332
Number of Individuals Covered	987
Insurance policy start date	2019-01-01
Insurance policy end date	2019-12-31
Total amount of commissions paid to insurance broker	USD $299
Total amount of fees paid to insurance company	USD $0
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	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 $299
Amount paid for insurance broker fees	0
Insurance broker organization code?	3

PRINCIPAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 61271 )

Policy contract number

613953

Policy instance

Insurance contract or identification number	613953
Number of Individuals Covered	987
Insurance policy start date	2019-01-01
Insurance policy end date	2019-12-31
Total amount of commissions paid to insurance broker	USD $233
Total amount of fees paid to insurance company	USD $0
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $233
Amount paid for insurance broker fees	0
Insurance broker organization code?	3

NATIONWIDE LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 66869 )

Policy contract number

GAP-B3-XU82

Policy instance

Insurance contract or identification number	GAP-B3-XU82
Number of Individuals Covered	0
Insurance policy start date	2017-01-01
Insurance policy end date	2017-07-06
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $0
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	1
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No

PRINCIPAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 61271 )

Policy contract number

465332

Policy instance

Insurance contract or identification number	465332
Number of Individuals Covered	653
Insurance policy start date	2017-07-01
Insurance policy end date	2017-12-31
Total amount of commissions paid to insurance broker	USD $1
Total amount of fees paid to insurance company	USD $0
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	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
Amount paid for insurance broker fees	0
Insurance broker organization code?	3
Additional information about fees paid to insurance broker	PRORATED INCENTIVE, NOT DEDUCTED FROM PLAN
Insurance broker name	MERRILL LYNCH PIERCE FENNER & SMITH

PRINCIPAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 61271 )

Policy contract number

613953

Policy instance

Insurance contract or identification number	613953
Number of Individuals Covered	653
Insurance policy start date	2017-07-01
Insurance policy end date	2017-12-31
Total amount of commissions paid to insurance broker	USD $196
Total amount of fees paid to insurance company	USD $31
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $196
Amount paid for insurance broker fees	0
Insurance broker organization code?	3
Additional information about fees paid to insurance broker	PRORATED INCENTIVE, NOT DEDUCTED FROM PLAN
Insurance broker name	MERRILL LYNCH PIERCE FENNER & SMITH

NATIONWIDE LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 66869 )

Policy contract number

GAP-B3-XU82

Policy instance

Insurance contract or identification number	GAP-B3-XU82
Number of Individuals Covered	149
Insurance policy start date	2015-01-01
Insurance policy end date	2015-12-31
Total amount of commissions paid to insurance broker	USD $1,457
Total amount of fees paid to insurance company	USD $0
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	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 $1,457
Amount paid for insurance broker fees	0
Additional information about fees paid to insurance broker	BROKER COMMISSIONS
Insurance broker organization code?	4
Insurance broker name	SUNTRUST INVESTMENT SERVICES

NATIONWIDE LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 66869 )

Policy contract number

GAP-B3-XU82

Policy instance

Insurance contract or identification number	GAP-B3-XU82
Number of Individuals Covered	134
Insurance policy start date	2014-01-01
Insurance policy end date	2014-12-31
Total amount of commissions paid to insurance broker	USD $1,560
Total amount of fees paid to insurance company	USD $0
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	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 $1,560
Amount paid for insurance broker fees	0
Additional information about fees paid to insurance broker	BROKER COMMISSIONS
Insurance broker organization code?	4
Insurance broker name	SUNTRUST INVESTMENT SERVICES

NATIONWIDE LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 66869 )

Policy contract number

GAP-B3-XU82

Policy instance

Insurance contract or identification number	GAP-B3-XU82
Number of Individuals Covered	128
Insurance policy start date	2013-01-01
Insurance policy end date	2013-12-31
Total amount of commissions paid to insurance broker	USD $1,631
Total amount of fees paid to insurance company	USD $0
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	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 $1,631
Amount paid for insurance broker fees	0
Additional information about fees paid to insurance broker	BROKER COMMISSIONS
Insurance broker organization code?	4
Insurance broker name	SUNTRUST INVESTMENT SERVICES

NATIONWIDE LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 66869 )

Policy contract number

GAP-B3-XU82

Policy instance

Insurance contract or identification number	GAP-B3-XU82
Number of Individuals Covered	117
Insurance policy start date	2012-01-01
Insurance policy end date	2012-12-31
Total amount of commissions paid to insurance broker	USD $1,672
Total amount of fees paid to insurance company	USD $0
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	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 $1,672
Amount paid for insurance broker fees	0
Additional information about fees paid to insurance broker	BROKER COMMISSIONS
Insurance broker organization code?	4
Insurance broker name	SUNTRUST INVESTMENT SERVICES

NATIONWIDE LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 66869 )

Policy contract number

GAP-B3-XU82

Policy instance

Insurance contract or identification number	GAP-B3-XU82
Number of Individuals Covered	107
Insurance policy start date	2011-01-01
Insurance policy end date	2011-12-31
Total amount of commissions paid to insurance broker	USD $1,492
Total amount of fees paid to insurance company	USD $0
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	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

NATIONWIDE LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 66869 )

Policy contract number

GAP-B3-XU82

Policy instance

Insurance contract or identification number	GAP-B3-XU82
Number of Individuals Covered	98
Insurance policy start date	2010-01-01
Insurance policy end date	2010-12-31
Total amount of commissions paid to insurance broker	USD $1,383
Total amount of fees paid to insurance company	USD $0
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No

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Company Name:	W.E. BOWERS & ASSOCIATES, INC.
Employer identification number (EIN):	521339598
NAIC Classification:	238220
NAIC Description:	Plumbing, Heating, and Air-Conditioning Contractors