401k Plan data: FINANCIAL DECISIONS, INC. DEFINED BENEFIT PLAN plan

FINANCIAL DECISIONS, INC. DEFINED BENEFIT PLAN 401k Plan overview

Plan Name	FINANCIAL DECISIONS, INC. DEFINED BENEFIT PLAN
Plan identification number	002

FINANCIAL DECISIONS, INC. DEFINED BENEFIT PLAN Benefits

401k Plan Type

Defined Benefit Pension

Plan Features/Benefits

Benefits are primarily pay related
Covered by PBGC - Plan is covered under the PBGC insurance program (see ERISA section 4021).
Age/Service Weighted or new comparability or similar plan - Age/Service Weighted Plan: Allocations are based on age, service, or age and service. New comparability or similar plan: Allocations are based on participant classifications and a classification(s) consists entirely or predominantly of highly compensated employees; or the plan provides an additional allocation rate on compensation above a specified threshold, and the theshold or additional rate exceeds the maximum threshold or rate allowed under the permitted disparity rules of section 401(l).
Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.

401k Sponsoring company profile

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

Company Name: FINANCIAL DECISIONS, INC.

Employer identification number (EIN): 133629641

NAIC Classification: 541600

Form 5500 Filing Information

Submission information for form 5500 for 401k plan FINANCIAL DECISIONS, INC. DEFINED BENEFIT PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
002 2015-01-01
002 2014-01-01 LINDA SCHOENTHALER 2015-10-13
002 2013-01-01 LINDA SCHOENTHALER
002 2012-01-01 LINDA SCHOENTHALER
002 2011-01-01 LINDA SCHOENTHALER
002 2010-07-01 LINDA SCHOENTHALER
002 2009-01-01 LINDA SCHOENTHALER

Plan id#	Filing Submission Date	Name of Administrator	Date Administrator Signed
002	2015-01-01
002	2014-01-01	LINDA SCHOENTHALER	2015-10-13
002	2013-01-01	LINDA SCHOENTHALER
002	2012-01-01	LINDA SCHOENTHALER
002	2011-01-01	LINDA SCHOENTHALER
002	2010-07-01	LINDA SCHOENTHALER
002	2009-01-01	LINDA SCHOENTHALER

Plan Statistics for FINANCIAL DECISIONS, INC. DEFINED BENEFIT PLAN

401k plan membership statisitcs for FINANCIAL DECISIONS, INC. DEFINED BENEFIT PLAN

Measure Date Value
2013: FINANCIAL DECISIONS, INC. DEFINED BENEFIT PLAN 2013 401k membership
Total participants, beginning-of-year 2013-01-01 6
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 5
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 1
Total of all active and inactive participants 2013-01-01 6
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 0
Total participants 2013-01-01 6
Number of participants with account balances 2013-01-01 6
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 1
2012: FINANCIAL DECISIONS, INC. DEFINED BENEFIT PLAN 2012 401k membership
Total participants, beginning-of-year 2012-01-01 6
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 6
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 0
Total of all active and inactive participants 2012-01-01 6
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 0
Total participants 2012-01-01 6
Number of participants with account balances 2012-01-01 5
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 0
2011: FINANCIAL DECISIONS, INC. DEFINED BENEFIT PLAN 2011 401k membership
Total participants, beginning-of-year 2011-01-01 4
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 6
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 0
Total of all active and inactive participants 2011-01-01 6
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 0
Total participants 2011-01-01 6
Number of participants with account balances 2011-01-01 5
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 0
2010: FINANCIAL DECISIONS, INC. DEFINED BENEFIT PLAN 2010 401k membership
Total participants, beginning-of-year 2010-07-01 4
Total number of active participants reported on line 7a of the Form 5500 2010-07-01 4
Number of retired or separated participants receiving benefits 2010-07-01 0
Number of other retired or separated participants entitled to future benefits 2010-07-01 0
Total of all active and inactive participants 2010-07-01 4
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2010-07-01 0
Total participants 2010-07-01 4
Number of participants with account balances 2010-07-01 3
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2010-07-01 0
2009: FINANCIAL DECISIONS, INC. DEFINED BENEFIT PLAN 2009 401k membership
Total participants, beginning-of-year 2009-01-01 3
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 0
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 0
Total of all active and inactive participants 2009-01-01 0
Total participants 2009-01-01 0
Number of participants with account balances 2009-01-01 0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 0

Measure	Date	Value
2013: FINANCIAL DECISIONS, INC. DEFINED BENEFIT PLAN 2013 401k membership
Total participants, beginning-of-year	2013-01-01	6
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	5
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	1
Total of all active and inactive participants	2013-01-01	6
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	0
Total participants	2013-01-01	6
Number of participants with account balances	2013-01-01	6
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	1
2012: FINANCIAL DECISIONS, INC. DEFINED BENEFIT PLAN 2012 401k membership
Total participants, beginning-of-year	2012-01-01	6
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	6
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	0
Total of all active and inactive participants	2012-01-01	6
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	0
Total participants	2012-01-01	6
Number of participants with account balances	2012-01-01	5
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	0
2011: FINANCIAL DECISIONS, INC. DEFINED BENEFIT PLAN 2011 401k membership
Total participants, beginning-of-year	2011-01-01	4
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	6
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	0
Total of all active and inactive participants	2011-01-01	6
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	0
Total participants	2011-01-01	6
Number of participants with account balances	2011-01-01	5
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	0
2010: FINANCIAL DECISIONS, INC. DEFINED BENEFIT PLAN 2010 401k membership
Total participants, beginning-of-year	2010-07-01	4
Total number of active participants reported on line 7a of the Form 5500	2010-07-01	4
Number of retired or separated participants receiving benefits	2010-07-01	0
Number of other retired or separated participants entitled to future benefits	2010-07-01	0
Total of all active and inactive participants	2010-07-01	4
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2010-07-01	0
Total participants	2010-07-01	4
Number of participants with account balances	2010-07-01	3
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2010-07-01	0
2009: FINANCIAL DECISIONS, INC. DEFINED BENEFIT PLAN 2009 401k membership
Total participants, beginning-of-year	2009-01-01	3
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	0
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	0
Total of all active and inactive participants	2009-01-01	0
Total participants	2009-01-01	0
Number of participants with account balances	2009-01-01	0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	0

Financial Data on FINANCIAL DECISIONS, INC. DEFINED BENEFIT PLAN

Measure	Date	Value
2013 : FINANCIAL DECISIONS, INC. DEFINED BENEFIT PLAN 2013 401k financial data
Total plan liabilities at end of year	2013-12-31	$1,901
Total plan liabilities at beginning of year	2013-12-31	$0
Total income from all sources	2013-12-31	$28,510
Expenses. Total of all expenses incurred	2013-12-31	$1,901
Benefits paid (including direct rollovers)	2013-12-31	$1,901
Total plan assets at end of year	2013-12-31	$73,303
Total plan assets at beginning of year	2013-12-31	$44,793
Other income received	2013-12-31	$7,796
Net income (gross income less expenses)	2013-12-31	$26,609
Net plan assets at end of year (total assets less liabilities)	2013-12-31	$71,402
Net plan assets at beginning of year (total assets less liabilities)	2013-12-31	$44,793
Total contributions received or receivable from employer(s)	2013-12-31	$20,714
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2013-12-31	$0
2012 : FINANCIAL DECISIONS, INC. DEFINED BENEFIT PLAN 2012 401k financial data
Total plan liabilities at end of year	2012-12-31	$0
Total plan liabilities at beginning of year	2012-12-31	$0
Total income from all sources	2012-12-31	$19,059
Expenses. Total of all expenses incurred	2012-12-31	$0
Total plan assets at end of year	2012-12-31	$44,793
Total plan assets at beginning of year	2012-12-31	$25,734
Other income received	2012-12-31	$1,988
Net income (gross income less expenses)	2012-12-31	$19,059
Net plan assets at end of year (total assets less liabilities)	2012-12-31	$44,793
Net plan assets at beginning of year (total assets less liabilities)	2012-12-31	$25,734
Total contributions received or receivable from employer(s)	2012-12-31	$17,071
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2012-12-31	$0
2011 : FINANCIAL DECISIONS, INC. DEFINED BENEFIT PLAN 2011 401k financial data
Total plan liabilities at end of year	2011-12-31	$0
Total plan liabilities at beginning of year	2011-12-31	$0
Total income from all sources	2011-12-31	$14,542
Expenses. Total of all expenses incurred	2011-12-31	$0
Total plan assets at end of year	2011-12-31	$25,734
Total plan assets at beginning of year	2011-12-31	$11,192
Other income received	2011-12-31	$189
Net income (gross income less expenses)	2011-12-31	$14,542
Net plan assets at end of year (total assets less liabilities)	2011-12-31	$25,734
Net plan assets at beginning of year (total assets less liabilities)	2011-12-31	$11,192
Total contributions received or receivable from employer(s)	2011-12-31	$14,353
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2011-12-31	$0
2010 : FINANCIAL DECISIONS, INC. DEFINED BENEFIT PLAN 2010 401k financial data
Total plan liabilities at end of year	2010-12-31	$0
Total plan liabilities at beginning of year	2010-12-31	$0
Total income from all sources	2010-12-31	$11,192
Expenses. Total of all expenses incurred	2010-12-31	$0
Total plan assets at end of year	2010-12-31	$11,192
Total plan assets at beginning of year	2010-12-31	$0
Net income (gross income less expenses)	2010-12-31	$11,192
Net plan assets at end of year (total assets less liabilities)	2010-12-31	$11,192
Net plan assets at beginning of year (total assets less liabilities)	2010-12-31	$0
Total contributions received or receivable from employer(s)	2010-12-31	$11,192
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2010-12-31	$0
2009 : FINANCIAL DECISIONS, INC. DEFINED BENEFIT 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 FINANCIAL DECISIONS, INC. DEFINED BENEFIT PLAN

2013: FINANCIAL DECISIONS, INC. DEFINED BENEFIT 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: FINANCIAL DECISIONS, INC. DEFINED BENEFIT 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: FINANCIAL DECISIONS, INC. DEFINED BENEFIT 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
2010: FINANCIAL DECISIONS, INC. DEFINED BENEFIT PLAN 2010 form 5500 responses
2010-07-01	Type of plan entity	Single employer plan
2010-07-01	First time form 5500 has been submitted	Yes
2010-07-01	Submission has been amended	No
2010-07-01	This submission is the final filing	No
2010-07-01	This return/report is a short plan year return/report (less than 12 months)	Yes
2010-07-01	Plan is a collectively bargained plan	No
2010-07-01	Plan funding arrangement – Trust	Yes
2010-07-01	Plan benefit arrangement - Trust	Yes
2009: FINANCIAL DECISIONS, INC. DEFINED BENEFIT 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	Yes
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:	FINANCIAL DECISIONS, INC.
Employer identification number (EIN):	133629641
NAIC Classification:	541600