401k Plan data: O NEIL COMPANIES 401(K) SAVINGS PLAN plan

O NEIL COMPANIES 401(K) SAVINGS PLAN 401k Plan overview

Plan Name	O NEIL COMPANIES 401(K) SAVINGS PLAN
Plan identification number	001

O NEIL COMPANIES 401(K) SAVINGS PLAN Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b), (c), or (m)).

401k Sponsoring company profile

MERCHANTS & SOUTHERN BANKS OF FLORIDA, INC. has sponsored the creation of one or more 401k plans.

Company Name: MERCHANTS & SOUTHERN BANKS OF FLORIDA, INC.

Employer identification number (EIN): 592134861

NAIC Classification: 522110
NAIC Description: Commercial Banking

Additional information about MERCHANTS & SOUTHERN BANKS OF FLORIDA, INC.

Jurisdiction of Incorporation: Florida Department of State Division of Corporations

Incorporation Date: 1981-07-29

Company Identification Number: 696581

Legal Registered Office Address: 2040 NW 67 PLACE

GAINESVILLE

32653

More information about MERCHANTS & SOUTHERN BANKS OF FLORIDA, INC.

Form 5500 Filing Information

Submission information for form 5500 for 401k plan O NEIL COMPANIES 401(K) SAVINGS PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2014-01-01 TERESA KELLY
001 2013-01-01 TERESA KELLY

Plan id#	Filing Submission Date	Name of Administrator	Date Administrator Signed	Name of Company Sponsor	Date Sponsor Signed
001	2014-01-01	TERESA KELLY
001	2013-01-01	TERESA KELLY

Plan Statistics for O NEIL COMPANIES 401(K) SAVINGS PLAN

401k plan membership statisitcs for O NEIL COMPANIES 401(K) SAVINGS PLAN

Measure Date Value
2014: O NEIL COMPANIES 401(K) SAVINGS PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 145
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 115
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 12
Total of all active and inactive participants 2014-01-01 127
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 127
Number of participants with account balances 2014-01-01 78
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 7
2013: O NEIL COMPANIES 401(K) SAVINGS PLAN 2013 401k membership
Total participants, beginning-of-year 2013-01-01 157
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 128
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 12
Total of all active and inactive participants 2013-01-01 140
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 0
Total participants 2013-01-01 140
Number of participants with account balances 2013-01-01 86
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 0

Measure	Date	Value
2014: O NEIL COMPANIES 401(K) SAVINGS PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	145
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	115
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	12
Total of all active and inactive participants	2014-01-01	127
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	127
Number of participants with account balances	2014-01-01	78
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	7
2013: O NEIL COMPANIES 401(K) SAVINGS PLAN 2013 401k membership
Total participants, beginning-of-year	2013-01-01	157
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	128
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	12
Total of all active and inactive participants	2013-01-01	140
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	0
Total participants	2013-01-01	140
Number of participants with account balances	2013-01-01	86
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	0

Financial Data on O NEIL COMPANIES 401(K) SAVINGS PLAN

Measure	Date	Value
2014 : O NEIL COMPANIES 401(K) SAVINGS 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	$409,340
Total loss/gain on sale of assets	2014-12-31	$0
Total of all expenses incurred	2014-12-31	$274,822
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$244,734
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$242,365
Value of total assets at end of year	2014-12-31	$2,733,783
Value of total assets at beginning of year	2014-12-31	$2,599,265
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$30,088
Total interest from all sources	2014-12-31	$745
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	$300,000
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	$225,536
Total non interest bearing cash at end of year	2014-12-31	$1,779
Total non interest bearing cash at beginning of year	2014-12-31	$745
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	$134,518
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$2,733,783
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$2,599,265
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	$2,597,551
Value of interest in pooled separate accounts at beginning of year	2014-12-31	$2,366,855
Interest earned on other investments	2014-12-31	$745
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2014-12-31	$117,624
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2014-12-31	$219,961
Net investment gain/loss from pooled separate accounts	2014-12-31	$166,230
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-12-31	No
Was there a failure to transmit to the plan any participant contributions	2014-12-31	No
Has the plan failed to provide any benefit when due under the plan	2014-12-31	No
Contributions received in cash from employer	2014-12-31	$16,829
Employer contributions (assets) at end of year	2014-12-31	$16,829
Employer contributions (assets) at beginning of year	2014-12-31	$11,704
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$244,734
Contract administrator fees	2014-12-31	$30,088
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	JAMES MOORE & CO., P.L.
Accountancy firm EIN	2014-12-31	593204548
2013 : O NEIL COMPANIES 401(K) SAVINGS 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	$612,037
Total loss/gain on sale of assets	2013-12-31	$0
Total of all expenses incurred	2013-12-31	$443,892
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$413,776
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$270,936
Value of total assets at end of year	2013-12-31	$2,599,265
Value of total assets at beginning of year	2013-12-31	$2,431,120
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$30,116
Total interest from all sources	2013-12-31	$1,279
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	$300,000
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	$235,637
Income. Received or receivable in cash from other sources (including rollovers)	2013-12-31	$23,595
Total non interest bearing cash at end of year	2013-12-31	$745
Total non interest bearing cash at beginning of year	2013-12-31	$1,000
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	$168,145
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$2,599,265
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$2,431,120
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 pooled separate accounts at end of year	2013-12-31	$2,366,855
Value of interest in pooled separate accounts at beginning of year	2013-12-31	$2,063,705
Interest earned on other investments	2013-12-31	$1,279
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2013-12-31	$219,961
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2013-12-31	$361,435
Net investment gain/loss from pooled separate accounts	2013-12-31	$339,822
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	$11,704
Employer contributions (assets) at end of year	2013-12-31	$11,704
Employer contributions (assets) at beginning of year	2013-12-31	$4,980
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$413,776
Contract administrator fees	2013-12-31	$30,116
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	JAMES MOORE & CO., P.L.
Accountancy firm EIN	2013-12-31	593204548

Form 5500 Responses for O NEIL COMPANIES 401(K) SAVINGS PLAN

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

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Company Name:	MERCHANTS & SOUTHERN BANKS OF FLORIDA, INC.
Employer identification number (EIN):	592134861
NAIC Classification:	522110
NAIC Description:	Commercial Banking

Jurisdiction of Incorporation:	Florida Department of State Division of Corporations
Incorporation Date:	1981-07-29
Company Identification Number:	696581
Legal Registered Office Address:	2040 NW 67 PLACE GAINESVILLE 32653