401k Plan data: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN plan

NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 401k Plan overview

Plan Name	NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN
Plan identification number	001

NORTH AMERICAN CREDIT SERVICE, INC. 401(K) 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.

401k Sponsoring company profile

NORTH AMERICAN CREDIT SERVICES has sponsored the creation of one or more 401k plans.

Company Name: NORTH AMERICAN CREDIT SERVICES

Employer identification number (EIN): 621071441

NAIC Classification: 522298
NAIC Description: All Other Nondepository Credit Intermediation

Form 5500 Filing Information

Submission information for form 5500 for 401k plan NORTH AMERICAN CREDIT SERVICE, 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 DALLAS BUNTON
001 2016-01-01 DALLAS BUNTON
001 2015-01-01 DALLAS BUNTON
001 2014-01-01 DALLAS BUNTON
001 2013-01-01 DALLAS BUNTON
001 2012-01-01 DALLAS BUNTON
001 2011-01-01 DALLAS BUNTON
001 2009-01-01 DALLAS BUNTON

Plan Statistics for NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN

401k plan membership statisitcs for NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN

Measure Date Value
2023: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2023 401k membership
Total participants, beginning-of-year 2023-01-01 362
Total number of active participants reported on line 7a of the Form 5500 2023-01-01 387
Number of retired or separated participants receiving benefits 2023-01-01 4
Number of other retired or separated participants entitled to future benefits 2023-01-01 75
Total of all active and inactive participants 2023-01-01 466
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2023-01-01 0
Total participants 2023-01-01 466
Number of participants with account balances 2023-01-01 294
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2023-01-01 11
2022: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2022 401k membership
Total participants, beginning-of-year 2022-01-01 311
Total number of active participants reported on line 7a of the Form 5500 2022-01-01 268
Number of retired or separated participants receiving benefits 2022-01-01 2
Number of other retired or separated participants entitled to future benefits 2022-01-01 75
Total of all active and inactive participants 2022-01-01 345
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2022-01-01 0
Total participants 2022-01-01 345
Number of participants with account balances 2022-01-01 265
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2022-01-01 5
2021: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2021 401k membership
Total participants, beginning-of-year 2021-01-01 279
Total number of active participants reported on line 7a of the Form 5500 2021-01-01 218
Number of retired or separated participants receiving benefits 2021-01-01 3
Number of other retired or separated participants entitled to future benefits 2021-01-01 71
Total of all active and inactive participants 2021-01-01 292
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2021-01-01 0
Total participants 2021-01-01 292
Number of participants with account balances 2021-01-01 233
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2021-01-01 14
2020: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2020 401k membership
Total participants, beginning-of-year 2020-01-01 267
Total number of active participants reported on line 7a of the Form 5500 2020-01-01 213
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 61
Total of all active and inactive participants 2020-01-01 274
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2020-01-01 0
Total participants 2020-01-01 274
Number of participants with account balances 2020-01-01 215
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2020-01-01 10
2019: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2019 401k membership
Total participants, beginning-of-year 2019-01-01 270
Total number of active participants reported on line 7a of the Form 5500 2019-01-01 212
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 55
Total of all active and inactive participants 2019-01-01 267
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2019-01-01 0
Total participants 2019-01-01 267
Number of participants with account balances 2019-01-01 215
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2019-01-01 6
2018: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2018 401k membership
Total participants, beginning-of-year 2018-01-01 252
Total number of active participants reported on line 7a of the Form 5500 2018-01-01 216
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 54
Total of all active and inactive participants 2018-01-01 270
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2018-01-01 0
Total participants 2018-01-01 270
Number of participants with account balances 2018-01-01 215
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-01-01 10
2017: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2017 401k membership
Total participants, beginning-of-year 2017-01-01 262
Total number of active participants reported on line 7a of the Form 5500 2017-01-01 194
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 58
Total of all active and inactive participants 2017-01-01 252
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2017-01-01 0
Total participants 2017-01-01 252
Number of participants with account balances 2017-01-01 202
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-01-01 17
2016: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2016 401k membership
Total participants, beginning-of-year 2016-01-01 269
Total number of active participants reported on line 7a of the Form 5500 2016-01-01 208
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 54
Total of all active and inactive participants 2016-01-01 262
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2016-01-01 0
Total participants 2016-01-01 262
Number of participants with account balances 2016-01-01 189
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2016-01-01 13
2015: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2015 401k membership
Total participants, beginning-of-year 2015-01-01 249
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 218
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 41
Total of all active and inactive participants 2015-01-01 259
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 0
Total participants 2015-01-01 259
Number of participants with account balances 2015-01-01 171
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 7
2014: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 233
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 207
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 42
Total of all active and inactive participants 2014-01-01 249
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 249
Number of participants with account balances 2014-01-01 169
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 8
2013: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2013 401k membership
Total participants, beginning-of-year 2013-01-01 223
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 191
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 42
Total of all active and inactive participants 2013-01-01 233
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 0
Total participants 2013-01-01 233
Number of participants with account balances 2013-01-01 159
2012: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2012 401k membership
Total participants, beginning-of-year 2012-01-01 182
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 190
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 33
Total of all active and inactive participants 2012-01-01 223
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 0
Total participants 2012-01-01 223
Number of participants with account balances 2012-01-01 144
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 3
2011: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2011 401k membership
Total participants, beginning-of-year 2011-01-01 242
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 158
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 24
Total of all active and inactive participants 2011-01-01 182
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 0
Total participants 2011-01-01 182
Number of participants with account balances 2011-01-01 140
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 4
2009: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2009 401k membership
Total participants, beginning-of-year 2009-01-01 139
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 155
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 7
Total of all active and inactive participants 2009-01-01 162
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-01-01 0
Total participants 2009-01-01 162
Number of participants with account balances 2009-01-01 124
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 5

Measure	Date	Value
2023: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2023 401k membership
Total participants, beginning-of-year	2023-01-01	362
Total number of active participants reported on line 7a of the Form 5500	2023-01-01	387
Number of retired or separated participants receiving benefits	2023-01-01	4
Number of other retired or separated participants entitled to future benefits	2023-01-01	75
Total of all active and inactive participants	2023-01-01	466
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2023-01-01	0
Total participants	2023-01-01	466
Number of participants with account balances	2023-01-01	294
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2023-01-01	11
2022: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2022 401k membership
Total participants, beginning-of-year	2022-01-01	311
Total number of active participants reported on line 7a of the Form 5500	2022-01-01	268
Number of retired or separated participants receiving benefits	2022-01-01	2
Number of other retired or separated participants entitled to future benefits	2022-01-01	75
Total of all active and inactive participants	2022-01-01	345
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2022-01-01	0
Total participants	2022-01-01	345
Number of participants with account balances	2022-01-01	265
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2022-01-01	5
2021: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2021 401k membership
Total participants, beginning-of-year	2021-01-01	279
Total number of active participants reported on line 7a of the Form 5500	2021-01-01	218
Number of retired or separated participants receiving benefits	2021-01-01	3
Number of other retired or separated participants entitled to future benefits	2021-01-01	71
Total of all active and inactive participants	2021-01-01	292
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2021-01-01	0
Total participants	2021-01-01	292
Number of participants with account balances	2021-01-01	233
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2021-01-01	14
2020: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2020 401k membership
Total participants, beginning-of-year	2020-01-01	267
Total number of active participants reported on line 7a of the Form 5500	2020-01-01	213
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	61
Total of all active and inactive participants	2020-01-01	274
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2020-01-01	0
Total participants	2020-01-01	274
Number of participants with account balances	2020-01-01	215
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2020-01-01	10
2019: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2019 401k membership
Total participants, beginning-of-year	2019-01-01	270
Total number of active participants reported on line 7a of the Form 5500	2019-01-01	212
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	55
Total of all active and inactive participants	2019-01-01	267
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2019-01-01	0
Total participants	2019-01-01	267
Number of participants with account balances	2019-01-01	215
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2019-01-01	6
2018: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2018 401k membership
Total participants, beginning-of-year	2018-01-01	252
Total number of active participants reported on line 7a of the Form 5500	2018-01-01	216
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	54
Total of all active and inactive participants	2018-01-01	270
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2018-01-01	0
Total participants	2018-01-01	270
Number of participants with account balances	2018-01-01	215
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-01-01	10
2017: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2017 401k membership
Total participants, beginning-of-year	2017-01-01	262
Total number of active participants reported on line 7a of the Form 5500	2017-01-01	194
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	58
Total of all active and inactive participants	2017-01-01	252
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2017-01-01	0
Total participants	2017-01-01	252
Number of participants with account balances	2017-01-01	202
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-01-01	17
2016: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2016 401k membership
Total participants, beginning-of-year	2016-01-01	269
Total number of active participants reported on line 7a of the Form 5500	2016-01-01	208
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	54
Total of all active and inactive participants	2016-01-01	262
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2016-01-01	0
Total participants	2016-01-01	262
Number of participants with account balances	2016-01-01	189
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2016-01-01	13
2015: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2015 401k membership
Total participants, beginning-of-year	2015-01-01	249
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	218
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	41
Total of all active and inactive participants	2015-01-01	259
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	0
Total participants	2015-01-01	259
Number of participants with account balances	2015-01-01	171
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	7
2014: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	233
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	207
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	42
Total of all active and inactive participants	2014-01-01	249
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	249
Number of participants with account balances	2014-01-01	169
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	8
2013: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2013 401k membership
Total participants, beginning-of-year	2013-01-01	223
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	191
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	42
Total of all active and inactive participants	2013-01-01	233
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	0
Total participants	2013-01-01	233
Number of participants with account balances	2013-01-01	159
2012: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2012 401k membership
Total participants, beginning-of-year	2012-01-01	182
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	190
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	33
Total of all active and inactive participants	2012-01-01	223
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	0
Total participants	2012-01-01	223
Number of participants with account balances	2012-01-01	144
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	3
2011: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2011 401k membership
Total participants, beginning-of-year	2011-01-01	242
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	158
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	24
Total of all active and inactive participants	2011-01-01	182
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	0
Total participants	2011-01-01	182
Number of participants with account balances	2011-01-01	140
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	4
2009: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2009 401k membership
Total participants, beginning-of-year	2009-01-01	139
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	155
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	7
Total of all active and inactive participants	2009-01-01	162
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-01-01	0
Total participants	2009-01-01	162
Number of participants with account balances	2009-01-01	124
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	5

Financial Data on NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN

Measure	Date	Value
2023 : NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2023 401k financial data
Total unrealized appreciation/depreciation of assets	2023-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2023-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2023-12-31	$0
Total income from all sources (including contributions)	2023-12-31	$1,047,711
Total loss/gain on sale of assets	2023-12-31	$549,817
Total of all expenses incurred	2023-12-31	$363,809
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2023-12-31	$360,283
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2023-12-31	$497,894
Value of total assets at end of year	2023-12-31	$3,735,230
Value of total assets at beginning of year	2023-12-31	$3,051,328
Total of administrative expenses incurred including professional, contract, advisory and management fees	2023-12-31	$3,526
Total interest from all sources	2023-12-31	$0
Total dividends received (eg from common stock, registered investment company shares)	2023-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2023-12-31	No
Was this plan covered by a fidelity bond	2023-12-31	Yes
Value of fidelity bond cover	2023-12-31	$350,000
If this is an individual account plan, was there a blackout period	2023-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2023-12-31	No
Contributions received from participants	2023-12-31	$335,209
Participant contributions at end of year	2023-12-31	$104
Participant contributions at beginning of year	2023-12-31	$-18
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2023-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2023-12-31	$0
Liabilities. Value of operating payables at end of year	2023-12-31	$0
Liabilities. Value of operating payables at beginning of year	2023-12-31	$0
Total non interest bearing cash at end of year	2023-12-31	$0
Total non interest bearing cash at beginning of year	2023-12-31	$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	2023-12-31	No
Value of net income/loss	2023-12-31	$683,902
Value of net assets at end of year (total assets less liabilities)	2023-12-31	$3,735,230
Value of net assets at beginning of year (total assets less liabilities)	2023-12-31	$3,051,328
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2023-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2023-12-31	No
Were any leases to which the plan was party in default or uncollectible	2023-12-31	No
Investment advisory and management fees	2023-12-31	$3,526
Value of interest in registered invesment companies (eg mutual funds) at end of year	2023-12-31	$3,421,677
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2023-12-31	$2,659,048
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2023-12-31	$263,092
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2023-12-31	$352,966
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2023-12-31	$352,966
Asset value of US Government securities at end of year	2023-12-31	$13,402
Asset value of US Government securities at beginning of year	2023-12-31	$12,419
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2023-12-31	No
Was there a failure to transmit to the plan any participant contributions	2023-12-31	Yes
Has the plan failed to provide any benefit when due under the plan	2023-12-31	No
Contributions received in cash from employer	2023-12-31	$162,685
Employer contributions (assets) at end of year	2023-12-31	$36,955
Employer contributions (assets) at beginning of year	2023-12-31	$26,913
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2023-12-31	$360,283
Did the plan have assets held for investment	2023-12-31	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	2023-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2023-12-31	No
Aggregate proceeds on sale of assets	2023-12-31	$549,817
Opinion of an independent qualified public accountant for this plan	2023-12-31	Unqualified
Accountancy firm name	2023-12-31	HENDERSON, HUTCHERSON, AND MCCULLOU
Accountancy firm EIN	2023-12-31	621114363
2022 : NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2022 401k financial data
Total unrealized appreciation/depreciation of assets	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	$-147,576
Total loss/gain on sale of assets	2022-12-31	$0
Total of all expenses incurred	2022-12-31	$201,310
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2022-12-31	$198,435
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2022-12-31	$432,952
Value of total assets at end of year	2022-12-31	$3,051,328
Value of total assets at beginning of year	2022-12-31	$3,400,214
Total of administrative expenses incurred including professional, contract, advisory and management fees	2022-12-31	$2,875
Total interest from all sources	2022-12-31	$0
Total dividends received (eg from common stock, registered investment company shares)	2022-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2022-12-31	No
Was this plan covered by a fidelity bond	2022-12-31	Yes
Value of fidelity bond cover	2022-12-31	$350,000
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	$296,060
Participant contributions at end of year	2022-12-31	$-18
Participant contributions at beginning of year	2022-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2022-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2022-12-31	$0
Liabilities. Value of operating payables at end of year	2022-12-31	$0
Liabilities. Value of operating payables at beginning of year	2022-12-31	$0
Total non interest bearing cash at end of year	2022-12-31	$0
Total non interest bearing cash at beginning of year	2022-12-31	$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	2022-12-31	No
Value of net income/loss	2022-12-31	$-348,886
Value of net assets at end of year (total assets less liabilities)	2022-12-31	$3,051,328
Value of net assets at beginning of year (total assets less liabilities)	2022-12-31	$3,400,214
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
Investment advisory and management fees	2022-12-31	$2,875
Value of interest in registered invesment companies (eg mutual funds) at end of year	2022-12-31	$2,659,048
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2022-12-31	$3,042,325
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2022-12-31	$352,966
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2022-12-31	$341,108
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2022-12-31	$341,108
Asset value of US Government securities at end of year	2022-12-31	$12,419
Asset value of US Government securities at beginning of year	2022-12-31	$12,342
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2022-12-31	$-580,528
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
Contributions received in cash from employer	2022-12-31	$136,892
Employer contributions (assets) at end of year	2022-12-31	$26,913
Employer contributions (assets) at beginning of year	2022-12-31	$4,439
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2022-12-31	$198,435
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	HENDERSON, HUTCHERSON, AND MCCULLOU
Accountancy firm EIN	2022-12-31	621114363
2021 : NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2021 401k financial data
Total unrealized appreciation/depreciation of assets	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	$795,786
Total loss/gain on sale of assets	2021-12-31	$0
Total of all expenses incurred	2021-12-31	$788,407
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2021-12-31	$786,597
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2021-12-31	$365,087
Value of total assets at end of year	2021-12-31	$3,400,214
Value of total assets at beginning of year	2021-12-31	$3,392,835
Total of administrative expenses incurred including professional, contract, advisory and management fees	2021-12-31	$1,810
Total interest from all sources	2021-12-31	$0
Total dividends received (eg from common stock, registered investment company shares)	2021-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2021-12-31	No
Was this plan covered by a fidelity bond	2021-12-31	Yes
Value of fidelity bond cover	2021-12-31	$350,000
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	$251,900
Participant contributions at end of year	2021-12-31	$0
Participant contributions at beginning of year	2021-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2021-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2021-12-31	$0
Liabilities. Value of operating payables at end of year	2021-12-31	$0
Liabilities. Value of operating payables at beginning of year	2021-12-31	$0
Total non interest bearing cash at end of year	2021-12-31	$0
Total non interest bearing cash at beginning of year	2021-12-31	$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	2021-12-31	No
Value of net income/loss	2021-12-31	$7,379
Value of net assets at end of year (total assets less liabilities)	2021-12-31	$3,400,214
Value of net assets at beginning of year (total assets less liabilities)	2021-12-31	$3,392,835
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
Investment advisory and management fees	2021-12-31	$1,810
Value of interest in registered invesment companies (eg mutual funds) at end of year	2021-12-31	$3,042,325
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2021-12-31	$3,092,561
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2021-12-31	$341,108
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2021-12-31	$288,496
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2021-12-31	$288,496
Asset value of US Government securities at end of year	2021-12-31	$12,342
Asset value of US Government securities at beginning of year	2021-12-31	$9,450
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2021-12-31	$430,699
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
Contributions received in cash from employer	2021-12-31	$113,187
Employer contributions (assets) at end of year	2021-12-31	$4,439
Employer contributions (assets) at beginning of year	2021-12-31	$2,328
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2021-12-31	$786,597
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	HENDERSON, HUTCHERSON, AND MCCULLOU
Accountancy firm EIN	2021-12-31	621114363
2020 : NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2020 401k financial data
Total unrealized appreciation/depreciation of assets	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	$752,334
Total loss/gain on sale of assets	2020-12-31	$0
Total of all expenses incurred	2020-12-31	$197,571
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2020-12-31	$195,169
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2020-12-31	$316,671
Value of total assets at end of year	2020-12-31	$3,392,835
Value of total assets at beginning of year	2020-12-31	$2,838,072
Total of administrative expenses incurred including professional, contract, advisory and management fees	2020-12-31	$2,402
Total interest from all sources	2020-12-31	$0
Total dividends received (eg from common stock, registered investment company shares)	2020-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2020-12-31	No
Administrative expenses professional fees incurred	2020-12-31	$2,402
Was this plan covered by a fidelity bond	2020-12-31	Yes
Value of fidelity bond cover	2020-12-31	$350,000
If this is an individual account plan, was there a blackout period	2020-12-31	No
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	$219,586
Participant contributions at end of year	2020-12-31	$0
Participant contributions at beginning of year	2020-12-31	$5
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2020-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2020-12-31	$0
Liabilities. Value of operating payables at end of year	2020-12-31	$0
Liabilities. Value of operating payables at beginning of year	2020-12-31	$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	2020-12-31	No
Value of net income/loss	2020-12-31	$554,763
Value of net assets at end of year (total assets less liabilities)	2020-12-31	$3,392,835
Value of net assets at beginning of year (total assets less liabilities)	2020-12-31	$2,838,072
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	$3,092,561
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2020-12-31	$2,619,343
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2020-12-31	$288,496
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2020-12-31	$211,233
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2020-12-31	$211,233
Asset value of US Government securities at end of year	2020-12-31	$9,450
Asset value of US Government securities at beginning of year	2020-12-31	$7,489
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2020-12-31	$435,663
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
Contributions received in cash from employer	2020-12-31	$97,085
Employer contributions (assets) at end of year	2020-12-31	$2,328
Employer contributions (assets) at beginning of year	2020-12-31	$2
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2020-12-31	$195,169
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	Unqualified
Accountancy firm name	2020-12-31	HENDERSON, HUTCHERSON, AND MCCULLOU
Accountancy firm EIN	2020-12-31	621114363
2019 : NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2019 401k financial data
Total unrealized appreciation/depreciation of assets	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	$798,473
Total loss/gain on sale of assets	2019-12-31	$0
Total of all expenses incurred	2019-12-31	$187,689
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$185,583
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$335,578
Value of total assets at end of year	2019-12-31	$2,838,072
Value of total assets at beginning of year	2019-12-31	$2,227,288
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-12-31	$2,106
Total interest from all sources	2019-12-31	$462,895
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2019-12-31	No
Administrative expenses professional fees incurred	2019-12-31	$2,106
Was this plan covered by a fidelity bond	2019-12-31	Yes
Value of fidelity bond cover	2019-12-31	$290,000
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
Contributions received from participants	2019-12-31	$231,823
Participant contributions at end of year	2019-12-31	$5
Participant contributions at beginning of year	2019-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2019-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) 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	$610,784
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$2,838,072
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$2,227,288
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
Were any leases to which the plan was party in default or uncollectible	2019-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2019-12-31	$2,619,343
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2019-12-31	$2,014,262
Interest earned on other investments	2019-12-31	$462,895
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2019-12-31	$211,233
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2019-12-31	$205,092
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2019-12-31	$205,092
Asset value of US Government securities at end of year	2019-12-31	$7,489
Asset value of US Government securities at beginning of year	2019-12-31	$7,810
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	$103,755
Employer contributions (assets) at end of year	2019-12-31	$2
Employer contributions (assets) at beginning of year	2019-12-31	$124
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-12-31	$185,583
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
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	HENDERSON, HUTCHERSON, AND MCCULLOU
Accountancy firm EIN	2019-12-31	621114363
2018 : NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2018 401k financial data
Total unrealized appreciation/depreciation of assets	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	$156,489
Total loss/gain on sale of assets	2018-12-31	$0
Total of all expenses incurred	2018-12-31	$171,859
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2018-12-31	$169,936
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2018-12-31	$303,778
Value of total assets at end of year	2018-12-31	$2,227,288
Value of total assets at beginning of year	2018-12-31	$2,242,658
Total of administrative expenses incurred including professional, contract, advisory and management fees	2018-12-31	$1,923
Total interest from all sources	2018-12-31	$0
Total dividends received (eg from common stock, registered investment company shares)	2018-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2018-12-31	No
Administrative expenses professional fees incurred	2018-12-31	$1,923
Was this plan covered by a fidelity bond	2018-12-31	Yes
Value of fidelity bond cover	2018-12-31	$230,000
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
Contributions received from participants	2018-12-31	$210,136
Participant contributions at end of year	2018-12-31	$0
Participant contributions at beginning of year	2018-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2018-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) 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	$-15,370
Value of net assets at end of year (total assets less liabilities)	2018-12-31	$2,227,288
Value of net assets at beginning of year (total assets less liabilities)	2018-12-31	$2,242,658
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
Were any leases to which the plan was party in default or uncollectible	2018-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2018-12-31	$2,014,262
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2018-12-31	$2,048,138
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2018-12-31	$205,092
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2018-12-31	$186,098
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2018-12-31	$186,098
Asset value of US Government securities at end of year	2018-12-31	$7,810
Asset value of US Government securities at beginning of year	2018-12-31	$8,422
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2018-12-31	$-147,289
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	$93,642
Employer contributions (assets) at end of year	2018-12-31	$124
Employer contributions (assets) at beginning of year	2018-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2018-12-31	$169,936
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	2018-12-31	No
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
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	HENDERSON, HUTCHERSON, AND MCCULLOU
Accountancy firm EIN	2018-12-31	621114363
2017 : NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2017 401k financial data
Total unrealized appreciation/depreciation of assets	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
Total income from all sources (including contributions)	2017-12-31	$623,395
Total loss/gain on sale of assets	2017-12-31	$0
Total of all expenses incurred	2017-12-31	$100,632
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2017-12-31	$98,387
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2017-12-31	$300,639
Value of total assets at end of year	2017-12-31	$2,242,658
Value of total assets at beginning of year	2017-12-31	$1,719,895
Total of administrative expenses incurred including professional, contract, advisory and management fees	2017-12-31	$2,245
Total interest from all sources	2017-12-31	$0
Total dividends received (eg from common stock, registered investment company shares)	2017-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2017-12-31	No
Administrative expenses professional fees incurred	2017-12-31	$2,245
Was this plan covered by a fidelity bond	2017-12-31	Yes
Value of fidelity bond cover	2017-12-31	$180,000
If this is an individual account plan, was there a blackout period	2017-12-31	No
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
Contributions received from participants	2017-12-31	$200,422
Participant contributions at end of year	2017-12-31	$0
Participant contributions at beginning of year	2017-12-31	$3,700
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2017-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) 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
Value of net income/loss	2017-12-31	$522,763
Value of net assets at end of year (total assets less liabilities)	2017-12-31	$2,242,658
Value of net assets at beginning of year (total assets less liabilities)	2017-12-31	$1,719,895
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
Were any leases to which the plan was party in default or uncollectible	2017-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2017-12-31	$2,048,138
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2017-12-31	$1,530,869
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2017-12-31	$186,098
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2017-12-31	$183,383
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2017-12-31	$183,383
Asset value of US Government securities at end of year	2017-12-31	$8,422
Asset value of US Government securities at beginning of year	2017-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2017-12-31	$322,756
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	$100,217
Employer contributions (assets) at end of year	2017-12-31	$0
Employer contributions (assets) at beginning of year	2017-12-31	$1,943
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2017-12-31	$98,387
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	No
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
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	HENDERSON, HUTCHERSON, AND MCCULLOU
Accountancy firm EIN	2017-12-31	621114363
2016 : NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2016 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2016-12-31	$98,200
Total unrealized appreciation/depreciation of assets	2016-12-31	$98,200
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	$353,029
Total loss/gain on sale of assets	2016-12-31	$0
Total of all expenses incurred	2016-12-31	$112,418
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2016-12-31	$110,374
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2016-12-31	$254,829
Value of total assets at end of year	2016-12-31	$1,719,895
Value of total assets at beginning of year	2016-12-31	$1,479,284
Total of administrative expenses incurred including professional, contract, advisory and management fees	2016-12-31	$2,044
Total interest from all sources	2016-12-31	$0
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
Administrative expenses professional fees incurred	2016-12-31	$2,044
Was this plan covered by a fidelity bond	2016-12-31	Yes
Value of fidelity bond cover	2016-12-31	$180,000
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	$173,355
Participant contributions at end of year	2016-12-31	$3,700
Participant contributions at beginning of year	2016-12-31	$0
Income. Received or receivable in cash from other sources (including rollovers)	2016-12-31	$18,392
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2016-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2016-12-31	$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	2016-12-31	No
Value of net income/loss	2016-12-31	$240,611
Value of net assets at end of year (total assets less liabilities)	2016-12-31	$1,719,895
Value of net assets at beginning of year (total assets less liabilities)	2016-12-31	$1,479,284
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	$1,530,869
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2016-12-31	$1,307,838
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2016-12-31	$183,383
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2016-12-31	$171,446
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2016-12-31	$171,446
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
Contributions received in cash from employer	2016-12-31	$63,082
Employer contributions (assets) at end of year	2016-12-31	$1,943
Employer contributions (assets) at beginning of year	2016-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2016-12-31	$110,374
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	2016-12-31	No
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	HENDERSON, HUTCHERSON, AND MCCULLOU
Accountancy firm EIN	2016-12-31	621114363
2015 : NORTH AMERICAN CREDIT SERVICE, INC. 401(K) 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	$216,332
Total loss/gain on sale of assets	2015-12-31	$0
Total of all expenses incurred	2015-12-31	$137,458
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$136,022
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$227,316
Value of total assets at end of year	2015-12-31	$1,479,284
Value of total assets at beginning of year	2015-12-31	$1,400,410
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$1,436
Total interest from all sources	2015-12-31	$0
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
Administrative expenses professional fees incurred	2015-12-31	$1,436
Was this plan covered by a fidelity bond	2015-12-31	Yes
Value of fidelity bond cover	2015-12-31	$150,000
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	$168,483
Participant contributions at end of year	2015-12-31	$1,115
Participant contributions at beginning of year	2015-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2015-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2015-12-31	$0
Total non interest bearing cash at end of year	2015-12-31	$0
Total non interest bearing cash 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	$78,874
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$1,479,284
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$1,400,410
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	$1,306,185
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2015-12-31	$1,238,579
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2015-12-31	$171,446
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2015-12-31	$161,831
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2015-12-31	$161,831
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2015-12-31	$-10,984
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	$58,833
Employer contributions (assets) at end of year	2015-12-31	$538
Employer contributions (assets) at beginning of year	2015-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$136,022
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	2015-12-31	No
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	HENDERSON, HUTCHERSON, AND MCCULLOU
Accountancy firm EIN	2015-12-31	621114363
2014 : NORTH AMERICAN CREDIT SERVICE, INC. 401(K) 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	$240,576
Total loss/gain on sale of assets	2014-12-31	$0
Total of all expenses incurred	2014-12-31	$61,851
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$60,177
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$169,182
Value of total assets at end of year	2014-12-31	$1,400,410
Value of total assets at beginning of year	2014-12-31	$1,221,685
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$1,674
Total interest from all sources	2014-12-31	$71,394
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	$150,000
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	$139,105
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2014-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2014-12-31	$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	2014-12-31	No
Value of net income/loss	2014-12-31	$178,725
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$1,400,410
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$1,221,685
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
Investment advisory and management fees	2014-12-31	$1,674
Value of interest in registered invesment companies (eg mutual funds) at end of year	2014-12-31	$1,238,579
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2014-12-31	$1,051,671
Interest earned on other investments	2014-12-31	$71,394
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2014-12-31	$161,831
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2014-12-31	$170,014
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2014-12-31	$170,014
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	$30,077
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$60,177
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	HENDERSON, HUTCHERSON, AND MCCULLOU
Accountancy firm EIN	2014-12-31	621114363
2013 : NORTH AMERICAN CREDIT SERVICE, INC. 401(K) 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	$389,737
Total loss/gain on sale of assets	2013-12-31	$0
Total of all expenses incurred	2013-12-31	$121,415
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$120,183
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$200,523
Value of total assets at end of year	2013-12-31	$1,221,685
Value of total assets at beginning of year	2013-12-31	$953,363
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$1,232
Total interest from all sources	2013-12-31	$189,214
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	$100,000
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	$132,990
Income. Received or receivable in cash from other sources (including rollovers)	2013-12-31	$18,264
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2013-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2013-12-31	$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	2013-12-31	No
Value of net income/loss	2013-12-31	$268,322
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$1,221,685
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$953,363
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
Investment advisory and management fees	2013-12-31	$1,232
Value of interest in registered invesment companies (eg mutual funds) at end of year	2013-12-31	$1,051,671
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2013-12-31	$807,838
Interest earned on other investments	2013-12-31	$189,214
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2013-12-31	$170,014
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2013-12-31	$145,525
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2013-12-31	$145,525
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	$49,269
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$120,183
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	HENDERSON, HUTCHERSON, AND MCCULLOU
Accountancy firm EIN	2013-12-31	621114363
2012 : NORTH AMERICAN CREDIT SERVICE, INC. 401(K) 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	$71
Total income from all sources (including contributions)	2012-12-31	$289,021
Total loss/gain on sale of assets	2012-12-31	$0
Total of all expenses incurred	2012-12-31	$319,464
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$318,814
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$174,607
Value of total assets at end of year	2012-12-31	$953,363
Value of total assets at beginning of year	2012-12-31	$983,877
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$650
Total interest from all sources	2012-12-31	$114,414
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	$100,000
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	$128,689
Income. Received or receivable in cash from other sources (including rollovers)	2012-12-31	$206
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2012-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2012-12-31	$71
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	$-30,443
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$953,363
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$983,806
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
Investment advisory and management fees	2012-12-31	$650
Value of interest in registered invesment companies (eg mutual funds) at end of year	2012-12-31	$807,838
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2012-12-31	$856,501
Interest earned on other investments	2012-12-31	$114,414
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2012-12-31	$145,525
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2012-12-31	$127,376
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2012-12-31	$127,376
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	$45,712
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$318,814
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	HENDERSON, HUTCHERSON, AND MCCULLOU
Accountancy firm EIN	2012-12-31	621114363
2011 : NORTH AMERICAN CREDIT SERVICE, INC. 401(K) 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	$71
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	$123,654
Total loss/gain on sale of assets	2011-12-31	$0
Total of all expenses incurred	2011-12-31	$52,108
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$51,998
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$157,596
Value of total assets at end of year	2011-12-31	$983,877
Value of total assets at beginning of year	2011-12-31	$912,260
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$110
Total interest from all sources	2011-12-31	$-33,942
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
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$100,000
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	$115,536
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2011-12-31	$71
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	$71,546
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$983,806
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$912,260
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
Investment advisory and management fees	2011-12-31	$110
Value of interest in registered invesment companies (eg mutual funds) at end of year	2011-12-31	$856,501
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2011-12-31	$796,825
Interest earned on other investments	2011-12-31	$-33,942
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2011-12-31	$127,376
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2011-12-31	$115,435
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2011-12-31	$115,435
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	$42,060
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$51,998
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	HENDERSON, HUTCHERSON, AND MCCULLOU
Accountancy firm EIN	2011-12-31	621114363
2010 : NORTH AMERICAN CREDIT SERVICE, INC. 401(K) 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	$239,065
Total loss/gain on sale of assets	2010-12-31	$0
Total of all expenses incurred	2010-12-31	$64,351
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2010-12-31	$64,331
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2010-12-31	$169,399
Value of total assets at end of year	2010-12-31	$912,260
Value of total assets at beginning of year	2010-12-31	$737,546
Total of administrative expenses incurred including professional, contract, advisory and management fees	2010-12-31	$20
Total interest from all sources	2010-12-31	$69,666
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
Was this plan covered by a fidelity bond	2010-12-31	Yes
Value of fidelity bond cover	2010-12-31	$70,000
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	$124,055
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	$174,714
Value of net assets at end of year (total assets less liabilities)	2010-12-31	$912,260
Value of net assets at beginning of year (total assets less liabilities)	2010-12-31	$737,546
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
Investment advisory and management fees	2010-12-31	$20
Value of interest in registered invesment companies (eg mutual funds) at end of year	2010-12-31	$796,825
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2010-12-31	$737,546
Interest earned on other investments	2010-12-31	$69,666
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2010-12-31	$115,435
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2010-12-31	$0
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2010-12-31	$0
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	No
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	$45,344
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2010-12-31	$64,331
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	HENDERSON, HUTCHERSON, AND MCCULLOU
Accountancy firm EIN	2010-12-31	621114363
2009 : NORTH AMERICAN CREDIT SERVICE, INC. 401(K) 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 NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN

2023: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2023 form 5500 responses
2023-01-01	Type of plan entity	Single employer plan
2023-01-01	Submission has been amended	No
2023-01-01	This submission is the final filing	No
2023-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2023-01-01	Plan is a collectively bargained plan	No
2023-01-01	Plan funding arrangement – Trust	Yes
2023-01-01	Plan benefit arrangement - Trust	Yes
2022: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) 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: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) 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: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) 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 – Trust	Yes
2020-01-01	Plan benefit arrangement - Trust	Yes
2019: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2019 form 5500 responses
2019-01-01	Type of plan entity	Single employer plan
2019-01-01	Submission has been amended	No
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	No
2019-01-01	Plan funding arrangement – Trust	Yes
2019-01-01	Plan benefit arrangement - Trust	Yes
2018: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2018 form 5500 responses
2018-01-01	Type of plan entity	Single employer plan
2018-01-01	Submission has been amended	No
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	No
2018-01-01	Plan funding arrangement – Trust	Yes
2018-01-01	Plan benefit arrangement - Trust	Yes
2017: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) PLAN 2017 form 5500 responses
2017-01-01	Type of plan entity	Single employer plan
2017-01-01	Submission has been amended	No
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	No
2017-01-01	Plan funding arrangement – Trust	Yes
2017-01-01	Plan benefit arrangement - Trust	Yes
2016: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) 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	No
2016-01-01	Plan funding arrangement – Trust	Yes
2016-01-01	Plan benefit arrangement - Trust	Yes
2015: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) 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 – Trust	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes
2014: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) 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 – Trust	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) 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 – Trust	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes
2012: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) 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 – Trust	Yes
2012-01-01	Plan benefit arrangement - Trust	Yes
2011: NORTH AMERICAN CREDIT SERVICE, INC. 401(K) 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: NORTH AMERICAN CREDIT SERVICE, 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

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Company Name:	NORTH AMERICAN CREDIT SERVICES
Employer identification number (EIN):	621071441
NAIC Classification:	522298
NAIC Description:	All Other Nondepository Credit Intermediation