401k Plan data: R.T.O., INC. 401K PLAN plan

R.T.O., INC. 401K PLAN 401k Plan overview

Plan Name	R.T.O., INC. 401K PLAN
Plan identification number	001

R.T.O., INC. 401K 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.
Plan provides for automatic enrollment in plan that has employee contributions deducted from payroll.
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

R.T.O., INC. has sponsored the creation of one or more 401k plans.

Company Name: R.T.O., INC.

Employer identification number (EIN): 541273230

NAIC Classification: 532210
NAIC Description: Consumer Electronics and Appliances Rental

Additional information about R.T.O., INC.

Jurisdiction of Incorporation: Virginia Secretary of State

Incorporation Date: 1984-03-30

Company Identification Number: 0254373

Legal Registered Office Address: 160 A WELLMAN ST
516 BAYLOR CT
NORFOLK
United States of America (USA)
23502

More information about R.T.O., INC.

Form 5500 Filing Information

Submission information for form 5500 for 401k plan R.T.O., INC. 401K PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2023-01-01 WILLIAM KRELL 2024-08-16
001 2022-01-01 WILLIAM KRELL 2023-09-29
001 2021-01-01 WILLIAM KRELL 2022-10-03
001 2020-01-01
001 2019-01-01
001 2018-01-01
001 2017-01-01
001 2016-01-01
001 2015-01-01
001 2014-01-01 WILLIAM J. KRELL
001 2013-01-01 WILLIAM J. KRELL
001 2012-01-01 WILLIAM J. KRELL
001 2011-01-01 WILLIAM J. KRELL
001 2009-01-01 TERRY JOHNSON

Plan Statistics for R.T.O., INC. 401K PLAN

401k plan membership statisitcs for R.T.O., INC. 401K PLAN

Measure Date Value
2025: R.T.O., INC. 401K PLAN 2025 401k membership
Total number of particpants at beginning of year 2025-10-08 95
Total number of particpants at end of year 2025-10-08 107
Number of Participants With Account Balances 2025-10-08 65
2024: R.T.O., INC. 401K PLAN 2024 401k membership
Total number of particpants at beginning of year 2024-08-16 87
Total number of particpants at end of year 2024-08-16 96
Number of Participants With Account Balances 2024-08-16 49
2022: R.T.O., INC. 401K PLAN 2022 401k membership
Total number of particpants at beginning of year 2022-10-03 83
Total number of particpants at end of year 2022-10-03 103
Number of Participants With Account Balances 2022-10-03 40
2015: R.T.O., INC. 401K PLAN 2015 401k membership
Total participants, beginning-of-year 2015-01-01 147
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 62
Number of retired or separated participants receiving benefits 2015-01-01 1
Number of other retired or separated participants entitled to future benefits 2015-01-01 11
Total of all active and inactive participants 2015-01-01 74
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 0
Total participants 2015-01-01 74
Number of participants with account balances 2015-01-01 34
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 1
2014: R.T.O., INC. 401K PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 176
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 151
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 4
Total of all active and inactive participants 2014-01-01 155
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 155
Number of participants with account balances 2014-01-01 67
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 1
2013: R.T.O., INC. 401K PLAN 2013 401k membership
Total participants, beginning-of-year 2013-01-01 199
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 170
Number of retired or separated participants receiving benefits 2013-01-01 0
Number of other retired or separated participants entitled to future benefits 2013-01-01 2
Total of all active and inactive participants 2013-01-01 172
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 0
Total participants 2013-01-01 172
Number of participants with account balances 2013-01-01 55
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 4
2012: R.T.O., INC. 401K PLAN 2012 401k membership
Total participants, beginning-of-year 2012-01-01 201
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 150
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 36
Total of all active and inactive participants 2012-01-01 186
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 0
Total participants 2012-01-01 186
Number of participants with account balances 2012-01-01 91
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 1
2011: R.T.O., INC. 401K PLAN 2011 401k membership
Total participants, beginning-of-year 2011-01-01 184
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 176
Number of retired or separated participants receiving benefits 2011-01-01 0
Number of other retired or separated participants entitled to future benefits 2011-01-01 22
Total of all active and inactive participants 2011-01-01 198
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 0
Total participants 2011-01-01 198
Number of participants with account balances 2011-01-01 81
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 3
2009: R.T.O., INC. 401K PLAN 2009 401k membership
Total participants, beginning-of-year 2009-01-01 159
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 118
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 13
Total of all active and inactive participants 2009-01-01 131
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-01-01 0
Total participants 2009-01-01 131
Number of participants with account balances 2009-01-01 70
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 2

Measure	Date	Value
2025: R.T.O., INC. 401K PLAN 2025 401k membership
Total number of particpants at beginning of year	2025-10-08	95
Total number of particpants at end of year	2025-10-08	107
Number of Participants With Account Balances	2025-10-08	65
2024: R.T.O., INC. 401K PLAN 2024 401k membership
Total number of particpants at beginning of year	2024-08-16	87
Total number of particpants at end of year	2024-08-16	96
Number of Participants With Account Balances	2024-08-16	49
2022: R.T.O., INC. 401K PLAN 2022 401k membership
Total number of particpants at beginning of year	2022-10-03	83
Total number of particpants at end of year	2022-10-03	103
Number of Participants With Account Balances	2022-10-03	40
2015: R.T.O., INC. 401K PLAN 2015 401k membership
Total participants, beginning-of-year	2015-01-01	147
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	62
Number of retired or separated participants receiving benefits	2015-01-01	1
Number of other retired or separated participants entitled to future benefits	2015-01-01	11
Total of all active and inactive participants	2015-01-01	74
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	0
Total participants	2015-01-01	74
Number of participants with account balances	2015-01-01	34
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	1
2014: R.T.O., INC. 401K PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	176
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	151
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	4
Total of all active and inactive participants	2014-01-01	155
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	155
Number of participants with account balances	2014-01-01	67
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	1
2013: R.T.O., INC. 401K PLAN 2013 401k membership
Total participants, beginning-of-year	2013-01-01	199
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	170
Number of retired or separated participants receiving benefits	2013-01-01	0
Number of other retired or separated participants entitled to future benefits	2013-01-01	2
Total of all active and inactive participants	2013-01-01	172
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	0
Total participants	2013-01-01	172
Number of participants with account balances	2013-01-01	55
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	4
2012: R.T.O., INC. 401K PLAN 2012 401k membership
Total participants, beginning-of-year	2012-01-01	201
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	150
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	36
Total of all active and inactive participants	2012-01-01	186
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	0
Total participants	2012-01-01	186
Number of participants with account balances	2012-01-01	91
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	1
2011: R.T.O., INC. 401K PLAN 2011 401k membership
Total participants, beginning-of-year	2011-01-01	184
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	176
Number of retired or separated participants receiving benefits	2011-01-01	0
Number of other retired or separated participants entitled to future benefits	2011-01-01	22
Total of all active and inactive participants	2011-01-01	198
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	0
Total participants	2011-01-01	198
Number of participants with account balances	2011-01-01	81
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	3
2009: R.T.O., INC. 401K PLAN 2009 401k membership
Total participants, beginning-of-year	2009-01-01	159
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	118
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	13
Total of all active and inactive participants	2009-01-01	131
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-01-01	0
Total participants	2009-01-01	131
Number of participants with account balances	2009-01-01	70
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	2

Financial Data on R.T.O., INC. 401K PLAN

Measure	Date	Value
2025 : R.T.O., INC. 401K PLAN 2025 401k financial data
Total expenses incurred by plan in this plan year	2025-10-08	169506
Net assets as of the end of the plan year	2025-10-08	3148169
Total assets as of the beginning of the plan year	2025-10-08	2601976
Value of plan covered by a fidelity bond	2025-10-08	260200
Participant contributions to plan in this plan year	2025-10-08	234486
Value of participant loans at end of plan year	2025-10-08	182072
Other contributions to plan in this plan year	2025-10-08	31079
Other income to plan in this plan year	2025-10-08	417154
Plan net income in this plan year	2025-10-08	546193
Net assets as of the end of the plan year	2025-10-08	3148169
Net assets as of the beginning of the plan year	2025-10-08	2601976
Value of contributions failed to transmitted timely	2025-10-08	9770
Employer contributions to plan in this plan year	2025-10-08	32980
Fees paid to broker by Benefit Provider	2025-10-08	1439
Expensese paid to adminstrative service provicers from plan in this plan year	2025-10-08	24301
2024 : R.T.O., INC. 401K PLAN 2024 401k financial data
Total expenses incurred by plan in this plan year	2024-08-16	331719
Net assets as of the end of the plan year	2024-08-16	2601976
Total assets as of the beginning of the plan year	2024-08-16	2290371
Value of plan covered by a fidelity bond	2024-08-16	250000
Participant contributions to plan in this plan year	2024-08-16	194599
Value of participant loans at end of plan year	2024-08-16	222725
Other income to plan in this plan year	2024-08-16	425917
Plan net income in this plan year	2024-08-16	311605
Net assets as of the end of the plan year	2024-08-16	2601976
Net assets as of the beginning of the plan year	2024-08-16	2290371
Value of contributions failed to transmitted timely	2024-08-16	16591
Employer contributions to plan in this plan year	2024-08-16	22808
Fees paid to broker by Benefit Provider	2024-08-16	1217
Expensese paid to adminstrative service provicers from plan in this plan year	2024-08-16	20554
2022 : R.T.O., INC. 401K PLAN 2022 401k financial data
Total expenses incurred by plan in this plan year	2022-10-03	96279
Net assets as of the end of the plan year	2022-10-03	2647622
Total assets as of the beginning of the plan year	2022-10-03	2190178
Value of plan covered by a fidelity bond	2022-10-03	250000
Participant contributions to plan in this plan year	2022-10-03	193474
Value of participant loans at end of plan year	2022-10-03	209248
Other contributions to plan in this plan year	2022-10-03	11763
Other income to plan in this plan year	2022-10-03	326506
Plan net income in this plan year	2022-10-03	457444
Net assets as of the end of the plan year	2022-10-03	2647622
Net assets as of the beginning of the plan year	2022-10-03	2190178
Value of contributions failed to transmitted timely	2022-10-03	23485
Employer contributions to plan in this plan year	2022-10-03	21980
Fees paid to broker by Benefit Provider	2022-10-03	1263
Expensese paid to adminstrative service provicers from plan in this plan year	2022-10-03	20815
2015 : R.T.O., INC. 401K 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	$232,096
Total loss/gain on sale of assets	2015-12-31	$0
Total of all expenses incurred	2015-12-31	$780,421
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$777,826
Expenses. Certain deemed distributions of participant loans	2015-12-31	$0
Value of total corrective distributions	2015-12-31	$345
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$238,230
Value of total assets at end of year	2015-12-31	$1,438,443
Value of total assets at beginning of year	2015-12-31	$1,986,768
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$2,250
Total interest from all sources	2015-12-31	$4,990
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	$250,000
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	$105,191
Participant contributions at end of year	2015-12-31	$62,515
Participant contributions at beginning of year	2015-12-31	$171,677
Income. Received or receivable in cash from other sources (including rollovers)	2015-12-31	$119,271
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	$-548,325
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$1,438,443
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$1,986,768
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2015-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2015-12-31	No
Were any leases to which the plan was party in default or uncollectible	2015-12-31	No
Value of interest in pooled separate accounts at end of year	2015-12-31	$1,375,361
Value of interest in pooled separate accounts at beginning of year	2015-12-31	$1,813,111
Interest on participant loans	2015-12-31	$4,990
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2015-12-31	$567
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2015-12-31	$1,980
Net investment gain/loss from pooled separate accounts	2015-12-31	$-11,124
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2015-12-31	No
Was there a failure to transmit to the plan any participant contributions	2015-12-31	No
Has the plan failed to provide any benefit when due under the plan	2015-12-31	No
Contributions received in cash from employer	2015-12-31	$13,768
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$777,826
Contract administrator fees	2015-12-31	$2,250
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	ZUKERMAN & ASSOCIATES, LTD
Accountancy firm EIN	2015-12-31	541244551
2014 : R.T.O., INC. 401K 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	$323,623
Total loss/gain on sale of assets	2014-12-31	$0
Total of all expenses incurred	2014-12-31	$63,439
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$36,459
Expenses. Certain deemed distributions of participant loans	2014-12-31	$26,468
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$247,485
Value of total assets at end of year	2014-12-31	$1,986,768
Value of total assets at beginning of year	2014-12-31	$1,726,584
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$512
Total interest from all sources	2014-12-31	$7,393
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	$170,014
Participant contributions at end of year	2014-12-31	$171,677
Participant contributions at beginning of year	2014-12-31	$177,207
Income. Received or receivable in cash from other sources (including rollovers)	2014-12-31	$51,947
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	$260,184
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$1,986,768
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$1,726,584
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 pooled separate accounts at end of year	2014-12-31	$1,813,111
Value of interest in pooled separate accounts at beginning of year	2014-12-31	$1,548,373
Interest on participant loans	2014-12-31	$7,393
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2014-12-31	$1,980
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2014-12-31	$1,004
Net investment gain/loss from pooled separate accounts	2014-12-31	$68,745
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	Yes
Contributions received in cash from employer	2014-12-31	$25,524
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$36,459
Contract administrator fees	2014-12-31	$512
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	ZUKERMAN ASSOCIATES LIMITED
Accountancy firm EIN	2014-12-31	541244551
2013 : R.T.O., INC. 401K 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	$421,902
Total loss/gain on sale of assets	2013-12-31	$0
Total of all expenses incurred	2013-12-31	$58,262
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$57,856
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$174,777
Value of total assets at end of year	2013-12-31	$1,726,584
Value of total assets at beginning of year	2013-12-31	$1,362,944
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$406
Total interest from all sources	2013-12-31	$6,030
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	$149,942
Participant contributions at end of year	2013-12-31	$177,207
Participant contributions at beginning of year	2013-12-31	$102,280
Income. Received or receivable in cash from other sources (including rollovers)	2013-12-31	$1
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	$363,640
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$1,726,584
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$1,362,944
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	$0
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2013-12-31	$0
Value of interest in pooled separate accounts at end of year	2013-12-31	$1,548,373
Value of interest in pooled separate accounts at beginning of year	2013-12-31	$1,260,588
Interest on participant loans	2013-12-31	$6,030
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2013-12-31	$1,004
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2013-12-31	$76
Net investment gain/loss from pooled separate accounts	2013-12-31	$241,095
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-12-31	No
Was there a failure to transmit to the plan any participant contributions	2013-12-31	No
Has the plan failed to provide any benefit when due under the plan	2013-12-31	No
Contributions received in cash from employer	2013-12-31	$24,834
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$57,856
Contract administrator fees	2013-12-31	$406
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	ZUKERMAN ASSOCIATES LIMITED
Accountancy firm EIN	2013-12-31	541244551
2012 : R.T.O., INC. 401K 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	$315,069
Total loss/gain on sale of assets	2012-12-31	$0
Total of all expenses incurred	2012-12-31	$45,287
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$42,444
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$191,946
Value of total assets at end of year	2012-12-31	$1,362,944
Value of total assets at beginning of year	2012-12-31	$1,093,162
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$2,843
Total interest from all sources	2012-12-31	$4,309
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	Yes
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	$164,001
Participant contributions at end of year	2012-12-31	$102,280
Participant contributions at beginning of year	2012-12-31	$100,732
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	$269,782
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$1,362,944
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$1,093,162
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	$0
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2012-12-31	$992,430
Value of interest in pooled separate accounts at end of year	2012-12-31	$1,260,588
Value of interest in pooled separate accounts at beginning of year	2012-12-31	$0
Interest on participant loans	2012-12-31	$4,309
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2012-12-31	$76
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2012-12-31	$0
Net investment gain/loss from pooled separate accounts	2012-12-31	$118,814
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2012-12-31	No
Was there a failure to transmit to the plan any participant contributions	2012-12-31	No
Has the plan failed to provide any benefit when due under the plan	2012-12-31	No
Contributions received in cash from employer	2012-12-31	$27,945
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$42,444
Contract administrator fees	2012-12-31	$2,843
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	2012-12-31	Yes
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	ZUKERMAN ASSOCIATES LIMITED
Accountancy firm EIN	2012-12-31	541244551
2011 : R.T.O., INC. 401K 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	$131,528
Total loss/gain on sale of assets	2011-12-31	$0
Total of all expenses incurred	2011-12-31	$27,253
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$15,076
Expenses. Certain deemed distributions of participant loans	2011-12-31	$135
Value of total corrective distributions	2011-12-31	$10,478
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$166,617
Value of total assets at end of year	2011-12-31	$1,093,162
Value of total assets at beginning of year	2011-12-31	$988,887
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$1,564
Total interest from all sources	2011-12-31	$4,634
Total dividends received (eg from common stock, registered investment company shares)	2011-12-31	$11,438
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	$11,438
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$99,000
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	$143,847
Participant contributions at end of year	2011-12-31	$100,732
Participant contributions at beginning of year	2011-12-31	$60,839
Income. Received or receivable in cash from other sources (including rollovers)	2011-12-31	$1,533
Administrative expenses (other) incurred	2011-12-31	$1,564
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	$104,275
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$1,093,162
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$988,887
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	$992,430
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2011-12-31	$928,048
Interest on participant loans	2011-12-31	$4,634
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2011-12-31	$-51,161
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2011-12-31	No
Was there a failure to transmit to the plan any participant contributions	2011-12-31	No
Has the plan failed to provide any benefit when due under the plan	2011-12-31	No
Contributions received in cash from employer	2011-12-31	$21,237
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$15,076
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	ZUKERMAN ASSOCIATES LIMITED
Accountancy firm EIN	2011-12-31	541244551
2010 : R.T.O., INC. 401K 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	$285,867
Total loss/gain on sale of assets	2010-12-31	$0
Total of all expenses incurred	2010-12-31	$40,021
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2010-12-31	$29,561
Expenses. Certain deemed distributions of participant loans	2010-12-31	$167
Value of total corrective distributions	2010-12-31	$8,843
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2010-12-31	$201,913
Value of total assets at end of year	2010-12-31	$988,887
Value of total assets at beginning of year	2010-12-31	$743,041
Total of administrative expenses incurred including professional, contract, advisory and management fees	2010-12-31	$1,450
Total interest from all sources	2010-12-31	$3,405
Total dividends received (eg from common stock, registered investment company shares)	2010-12-31	$7,691
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	$7,691
Was this plan covered by a fidelity bond	2010-12-31	Yes
Value of fidelity bond cover	2010-12-31	$75,000
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	$112,142
Participant contributions at end of year	2010-12-31	$60,839
Participant contributions at beginning of year	2010-12-31	$31,755
Income. Received or receivable in cash from other sources (including rollovers)	2010-12-31	$70,368
Other income not declared elsewhere	2010-12-31	$461
Administrative expenses (other) incurred	2010-12-31	$1,450
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	$245,846
Value of net assets at end of year (total assets less liabilities)	2010-12-31	$988,887
Value of net assets at beginning of year (total assets less liabilities)	2010-12-31	$743,041
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	$928,048
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2010-12-31	$711,286
Interest on participant loans	2010-12-31	$3,405
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2010-12-31	$72,397
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
Contributions received in cash from employer	2010-12-31	$19,403
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2010-12-31	$29,561
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	ZUKERMAN ASSOCIATES LIMITED
Accountancy firm EIN	2010-12-31	541244551
2009 : R.T.O., INC. 401K 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 R.T.O., INC. 401K PLAN

2015: R.T.O., INC. 401K PLAN 2015 form 5500 responses
2015-01-01	Type of plan entity	Single employer plan
2015-01-01	Submission has been amended	No
2015-01-01	This submission is the final filing	No
2015-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2015-01-01	Plan is a collectively bargained plan	No
2015-01-01	Plan funding arrangement – Insurance	Yes
2015-01-01	Plan funding arrangement – Trust	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes
2014: R.T.O., INC. 401K PLAN 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Submission has been amended	No
2014-01-01	This submission is the final filing	No
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-01-01	Plan is a collectively bargained plan	No
2014-01-01	Plan funding arrangement – Insurance	Yes
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: R.T.O., INC. 401K PLAN 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	Submission has been amended	No
2013-01-01	This submission is the final filing	No
2013-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-01-01	Plan is a collectively bargained plan	No
2013-01-01	Plan funding arrangement – Insurance	Yes
2013-01-01	Plan funding arrangement – Trust	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes
2012: R.T.O., INC. 401K PLAN 2012 form 5500 responses
2012-01-01	Type of plan entity	Single employer plan
2012-01-01	Submission has been amended	No
2012-01-01	This submission is the final filing	No
2012-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2012-01-01	Plan is a collectively bargained plan	No
2012-01-01	Plan funding arrangement – Insurance	Yes
2012-01-01	Plan funding arrangement – Trust	Yes
2012-01-01	Plan benefit arrangement - Trust	Yes
2011: R.T.O., INC. 401K PLAN 2011 form 5500 responses
2011-01-01	Type of plan entity	Single employer plan
2011-01-01	Submission has been amended	No
2011-01-01	This submission is the final filing	No
2011-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2011-01-01	Plan is a collectively bargained plan	No
2011-01-01	Plan funding arrangement – Trust	Yes
2011-01-01	Plan benefit arrangement - Trust	Yes
2009: R.T.O., INC. 401K PLAN 2009 form 5500 responses
2009-01-01	Type of plan entity	Single employer plan
2009-01-01	Submission has been amended	No
2009-01-01	This submission is the final filing	No
2009-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2009-01-01	Plan is a collectively bargained plan	No
2009-01-01	Plan funding arrangement – Trust	Yes
2009-01-01	Plan benefit arrangement - Trust	Yes

Insurance Providers Used on plan

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (National Association of Insurance Commissioners NAIC id number: 65838 )
Policy contract number	107437
Policy instance	1
JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (National Association of Insurance Commissioners NAIC id number: 65838 )
Policy contract number	107437
Policy instance	1
JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (National Association of Insurance Commissioners NAIC id number: 65838 )
Policy contract number	107437
Policy instance	1
JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (National Association of Insurance Commissioners NAIC id number: 65838 )
Policy contract number	107437
Policy instance	1

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The information published is supplied by third parties so we make no warranty on the accuracy, completeness etc. This information is provided "as-is". The information is subject to change as we obtain updates and corrections from the primary information sources.
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See full terms and conditions

Company Name:	R.T.O., INC.
Employer identification number (EIN):	541273230
NAIC Classification:	532210
NAIC Description:	Consumer Electronics and Appliances Rental

Jurisdiction of Incorporation:	Virginia Secretary of State
Incorporation Date:	1984-03-30
Company Identification Number:	0254373
Legal Registered Office Address:	160 A WELLMAN ST 516 BAYLOR CT NORFOLK United States of America (USA) 23502

Plan id#	Filing Submission Date	Name of Administrator	Date Administrator Signed
001	2023-01-01	WILLIAM KRELL	2024-08-16
001	2022-01-01	WILLIAM KRELL	2023-09-29
001	2021-01-01	WILLIAM KRELL	2022-10-03
001	2020-01-01
001	2019-01-01
001	2018-01-01
001	2017-01-01
001	2016-01-01
001	2015-01-01
001	2014-01-01	WILLIAM J. KRELL
001	2013-01-01	WILLIAM J. KRELL
001	2012-01-01	WILLIAM J. KRELL
001	2011-01-01	WILLIAM J. KRELL
001	2009-01-01	TERRY JOHNSON