401k Plan data: PERSPECTIVES, INC. 401(K) PLAN plan

PERSPECTIVES, INC. 401(K) PLAN 401k Plan overview

Plan Name	PERSPECTIVES, INC. 401(K) PLAN
Plan identification number	001

PERSPECTIVES, INC. 401(K) 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.

401k Sponsoring company profile

PERSPECTIVES, INC. has sponsored the creation of one or more 401k plans.

Company Name: PERSPECTIVES, INC.

Employer identification number (EIN): 680567271

NAIC Classification: 541600

Form 5500 Filing Information

Submission information for form 5500 for 401k plan PERSPECTIVES, INC. 401(K) PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2023-01-01
001 2022-01-01
001 2021-01-01
001 2020-01-01
001 2019-01-01
001 2018-01-01
001 2017-01-01
001 2016-01-01 RICHARD MACKLIN 2017-06-27
001 2015-01-01 RICHARD MACKLIN 2016-07-20
001 2014-01-01 RICHARD MACKLIN 2015-07-16
001 2013-01-01 RICHARD MACKLIN 2014-08-05
001 2012-01-01 RICHARD MACKLIN 2013-09-23
001 2011-01-01 RICHARD MACKLIN 2012-07-18
001 2010-01-01 LYNETTE JOHNSON 2011-06-13
001 2009-01-01 LYNETTE JOHNSON LYNETTE JOHNSON 2010-06-30

Plan id#	Filing Submission Date	Name of Administrator	Date Administrator Signed	Name of Company Sponsor	Date Sponsor Signed
001	2023-01-01
001	2022-01-01
001	2021-01-01
001	2020-01-01
001	2019-01-01
001	2018-01-01
001	2017-01-01
001	2016-01-01	RICHARD MACKLIN	2017-06-27
001	2015-01-01	RICHARD MACKLIN	2016-07-20
001	2014-01-01	RICHARD MACKLIN	2015-07-16
001	2013-01-01	RICHARD MACKLIN	2014-08-05
001	2012-01-01	RICHARD MACKLIN	2013-09-23
001	2011-01-01	RICHARD MACKLIN	2012-07-18
001	2010-01-01	LYNETTE JOHNSON	2011-06-13
001	2009-01-01	LYNETTE JOHNSON		LYNETTE JOHNSON	2010-06-30

Financial Data on PERSPECTIVES, INC. 401(K) PLAN

Measure	Date	Value
2025 : PERSPECTIVES, INC. 401(K) PLAN 2025 401k financial data
Total expenses incurred by plan in this plan year	2025-08-27	79559
Net assets as of the end of the plan year	2025-08-27	3100330
Total assets as of the beginning of the plan year	2025-08-27	2716108
Value of plan covered by a fidelity bond	2025-08-27	60000
Participant contributions to plan in this plan year	2025-08-27	50628
Other income to plan in this plan year	2025-08-27	378736
Plan net income in this plan year	2025-08-27	384222
Net assets as of the end of the plan year	2025-08-27	3100330
Net assets as of the beginning of the plan year	2025-08-27	2716108
Employer contributions to plan in this plan year	2025-08-27	34417
Fees paid to broker by Benefit Provider	2025-08-27	14655
Expensese paid to adminstrative service provicers from plan in this plan year	2025-08-27	150
2024 : PERSPECTIVES, INC. 401(K) PLAN 2024 401k financial data
Total expenses incurred by plan in this plan year	2024-08-07	0
Net assets as of the end of the plan year	2024-08-07	2716108
Total assets as of the beginning of the plan year	2024-08-07	2257901
Value of plan covered by a fidelity bond	2024-08-07	60000
Participant contributions to plan in this plan year	2024-08-07	42805
Other income to plan in this plan year	2024-08-07	386222
Plan net income in this plan year	2024-08-07	458207
Net assets as of the end of the plan year	2024-08-07	2716108
Net assets as of the beginning of the plan year	2024-08-07	2257901
Employer contributions to plan in this plan year	2024-08-07	29180
Fees paid to broker by Benefit Provider	2024-08-07	12311
2022 : PERSPECTIVES, INC. 401(K) PLAN 2022 401k financial data
Total expenses incurred by plan in this plan year	2022-07-14	187406
Net assets as of the end of the plan year	2022-07-14	2696735
Total assets as of the beginning of the plan year	2022-07-14	2376294
Value of plan covered by a fidelity bond	2022-07-14	60000
Participant contributions to plan in this plan year	2022-07-14	87574
Other income to plan in this plan year	2022-07-14	350168
Plan net income in this plan year	2022-07-14	320441
Net assets as of the end of the plan year	2022-07-14	2696735
Net assets as of the beginning of the plan year	2022-07-14	2376294
Employer contributions to plan in this plan year	2022-07-14	70105
Fees paid to broker by Benefit Provider	2022-07-14	13202
Expensese paid to adminstrative service provicers from plan in this plan year	2022-07-14	150

Form 5500 Responses for PERSPECTIVES, INC. 401(K) PLAN

2009: PERSPECTIVES, INC. 401(K) 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

Potentially related plans

PERSPECTIVES, INC. 403(B) PLAN [EIN = 411288300]

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Company Name:	PERSPECTIVES, INC.
Employer identification number (EIN):	680567271
NAIC Classification:	541600