401k Plan data: GARNETT AND COWLES RETIREMENT PLAN plan

GARNETT AND COWLES RETIREMENT PLAN 401k Plan overview

Plan Name	GARNETT AND COWLES RETIREMENT PLAN
Plan identification number	001

GARNETT AND COWLES RETIREMENT 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.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.
Prototype plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion or notification letter; and under which a seperate funding medium (for example, a seperate trust or custodial account) is established for the use of each adopting employer.

401k Sponsoring company profile

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

Company Name: BENEMAX, INC.

Employer identification number (EIN): 042757864

NAIC Classification: 524210
NAIC Description: Insurance Agencies and Brokerages

Form 5500 Filing Information

Submission information for form 5500 for 401k plan GARNETT AND COWLES RETIREMENT PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2024-01-01 JUDY LAVIGNE 2024-03-06
001 2023-01-01 WILLIAM GARNETT 2024-02-01
001 2022-01-01 DAVID COWLES 2023-05-15
001 2021-01-01 DAVID COWLES 2022-03-28
001 2020-01-01 DAVID COWLES 2021-05-05
001 2019-01-01 DAVID COWLES 2020-08-26
001 2018-01-01 DAVID COWLES 2019-04-17
001 2017-01-01 DAVID COWLES 2018-04-24
001 2016-01-01 DAVID COWLES 2017-06-13
001 2015-01-01 DAVID COWLES 2016-06-27
001 2014-01-01 STUART GREER 2015-04-13
001 2013-01-01 STUART GREER 2014-04-22
001 2012-01-01 STUART GREER 2013-07-09 STUART GREER 2013-07-09
001 2011-01-01 STUART GREER 2012-07-10 STUART GREER 2012-07-10
001 2010-01-01 STUART GREER 2011-06-22
001 2009-01-01 STUART T. GREER
001 2008-01-01 JUNE KEANE

Plan id#	Filing Submission Date	Name of Administrator	Date Administrator Signed	Name of Company Sponsor	Date Sponsor Signed
001	2024-01-01	JUDY LAVIGNE	2024-03-06
001	2023-01-01	WILLIAM GARNETT	2024-02-01
001	2022-01-01	DAVID COWLES	2023-05-15
001	2021-01-01	DAVID COWLES	2022-03-28
001	2020-01-01	DAVID COWLES	2021-05-05
001	2019-01-01	DAVID COWLES	2020-08-26
001	2018-01-01	DAVID COWLES	2019-04-17
001	2017-01-01	DAVID COWLES	2018-04-24
001	2016-01-01	DAVID COWLES	2017-06-13
001	2015-01-01	DAVID COWLES	2016-06-27
001	2014-01-01	STUART GREER	2015-04-13
001	2013-01-01	STUART GREER	2014-04-22
001	2012-01-01	STUART GREER	2013-07-09	STUART GREER	2013-07-09
001	2011-01-01	STUART GREER	2012-07-10	STUART GREER	2012-07-10
001	2010-01-01	STUART GREER	2011-06-22
001	2009-01-01	STUART T. GREER
001	2008-01-01	JUNE KEANE

Plan Statistics for GARNETT AND COWLES RETIREMENT PLAN

401k plan membership statisitcs for GARNETT AND COWLES RETIREMENT PLAN

Measure Date Value
2009: GARNETT AND COWLES RETIREMENT PLAN 2009 401k membership
Total participants, beginning-of-year 2009-01-01 35
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 32
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 6
Total of all active and inactive participants 2009-01-01 38
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-01-01 0
Total participants 2009-01-01 38
Number of participants with account balances 2009-01-01 23
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 0
2008: GARNETT AND COWLES RETIREMENT PLAN 2008 401k membership
Total participants, beginning-of-year 2008-01-01 30
Total number of active participants reported on line 7a of the Form 5500 2008-01-01 31
Number of retired or separated participants receiving benefits 2008-01-01 0
Number of other retired or separated participants entitled to future benefits 2008-01-01 4
Total of all active and inactive participants 2008-01-01 35
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2008-01-01 0
Total participants 2008-01-01 35
Number of participants with account balances 2008-01-01 23
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2008-01-01 0

Measure	Date	Value
2009: GARNETT AND COWLES RETIREMENT PLAN 2009 401k membership
Total participants, beginning-of-year	2009-01-01	35
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	32
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	6
Total of all active and inactive participants	2009-01-01	38
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-01-01	0
Total participants	2009-01-01	38
Number of participants with account balances	2009-01-01	23
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	0
2008: GARNETT AND COWLES RETIREMENT PLAN 2008 401k membership
Total participants, beginning-of-year	2008-01-01	30
Total number of active participants reported on line 7a of the Form 5500	2008-01-01	31
Number of retired or separated participants receiving benefits	2008-01-01	0
Number of other retired or separated participants entitled to future benefits	2008-01-01	4
Total of all active and inactive participants	2008-01-01	35
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2008-01-01	0
Total participants	2008-01-01	35
Number of participants with account balances	2008-01-01	23
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2008-01-01	0

Financial Data on GARNETT AND COWLES RETIREMENT PLAN

Measure	Date	Value
2008 : GARNETT AND COWLES RETIREMENT PLAN 2008 401k financial data
Total income from all sources	2008-12-31	$-68,817
Expenses. Total of all expenses incurred	2008-12-31	$61,699
Benefits paid (including direct rollovers)	2008-12-31	$60,500
Total plan assets at end of year	2008-12-31	$323,462
Total plan assets at beginning of year	2008-12-31	$453,978
Value of fidelity bond covering the plan	2008-12-31	$46,000
Total contributions received or receivable from participants	2008-12-31	$86,063
Contributions received from other sources (not participants or employers)	2008-12-31	$9,489
Other income received	2008-12-31	$-164,369
Net income (gross income less expenses)	2008-12-31	$-130,516
Net plan assets at end of year (total assets less liabilities)	2008-12-31	$323,462
Net plan assets at beginning of year (total assets less liabilities)	2008-12-31	$453,978
Value of certain deemed distributions of participant loans	2008-12-31	$1,199
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2008-12-31	$0

Form 5500 Responses for GARNETT AND COWLES RETIREMENT PLAN

2009: GARNETT AND COWLES RETIREMENT PLAN 2009 form 5500 responses
2009-01-01	Type of plan entity	Single employer plan
2009-01-01	Submission has been amended	No
2009-01-01	This submission is the final filing	No
2009-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2009-01-01	Plan is a collectively bargained plan	No
2009-01-01	Plan funding arrangement – Trust	Yes
2009-01-01	Plan benefit arrangement - Trust	Yes
2008: GARNETT AND COWLES RETIREMENT PLAN 2008 form 5500 responses
2008-01-01	Type of plan entity	Single employer plan
2008-01-01	Submission has been amended	Yes
2008-01-01	This submission is the final filing	No
2008-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2008-01-01	Plan is a collectively bargained plan	No
2008-01-01	Plan funding arrangement – Trust	Yes
2008-01-01	Plan benefit arrangement - Trust	Yes

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Company Name:	BENEMAX, INC.
Employer identification number (EIN):	042757864
NAIC Classification:	524210
NAIC Description:	Insurance Agencies and Brokerages