401k Plan data: EDUCATION FUTURES GROUP, LLC 401(K) PLAN plan

EDUCATION FUTURES GROUP, LLC 401(K) PLAN 401k Plan overview

Plan Name	EDUCATION FUTURES GROUP, LLC 401(K) PLAN
Plan identification number	001

EDUCATION FUTURES GROUP, LLC 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.
Partial participant-directed account plan - Participants have the opportunity to direct the investment of a portion of 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.
Participant-directed brokerage accounts provided as an investment option under the plan.
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.
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b), (c), or (m)).

401k Sponsoring company profile

EDUCATION FUTURES GROUP, LLC has sponsored the creation of one or more 401k plans.

Company Name: EDUCATION FUTURES GROUP, LLC

Employer identification number (EIN): 202403445

NAIC Classification: 611000

Form 5500 Filing Information

Submission information for form 5500 for 401k plan EDUCATION FUTURES GROUP, LLC 401(K) PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2022-01-01
001 2021-01-01
001 2020-01-01
001 2020-01-01
001 2019-01-01
001 2019-01-01
001 2018-01-01
001 2018-01-01
001 2017-01-01 STACY DORSEY
001 2016-01-01 STACY DORSEY
001 2015-01-01 TERRY COOLEY
001 2014-01-01 TERRY COOLEY
001 2013-01-01 TERRY COOLEY
001 2012-01-01 TERRY COOLEY
001 2011-01-01 TERRY COOLEY 2012-10-11
001 2010-01-01 MARCUS MCMELLON 2011-08-26

Plan Statistics for EDUCATION FUTURES GROUP, LLC 401(K) PLAN

401k plan membership statisitcs for EDUCATION FUTURES GROUP, LLC 401(K) PLAN

Measure Date Value
2022: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2022 401k membership
Total participants, beginning-of-year 2022-01-01 123
Total number of active participants reported on line 7a of the Form 5500 2022-01-01 0
Number of retired or separated participants receiving benefits 2022-01-01 0
Number of other retired or separated participants entitled to future benefits 2022-01-01 0
Total of all active and inactive participants 2022-01-01 0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2022-01-01 0
Total participants 2022-01-01 0
Number of participants with account balances 2022-01-01 0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2022-01-01 0
2021: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2021 401k membership
Total participants, beginning-of-year 2021-01-01 627
Total number of active participants reported on line 7a of the Form 5500 2021-01-01 0
Number of retired or separated participants receiving benefits 2021-01-01 0
Number of other retired or separated participants entitled to future benefits 2021-01-01 123
Total of all active and inactive participants 2021-01-01 123
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2021-01-01 0
Total participants 2021-01-01 123
Number of participants with account balances 2021-01-01 123
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2021-01-01 0
2020: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2020 401k membership
Total participants, beginning-of-year 2020-01-01 686
Total number of active participants reported on line 7a of the Form 5500 2020-01-01 664
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 34
Total of all active and inactive participants 2020-01-01 698
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2020-01-01 0
Total participants 2020-01-01 698
Number of participants with account balances 2020-01-01 186
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2020-01-01 0
2019: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2019 401k membership
Total participants, beginning-of-year 2019-01-01 757
Total number of active participants reported on line 7a of the Form 5500 2019-01-01 589
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 66
Total of all active and inactive participants 2019-01-01 655
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2019-01-01 0
Total participants 2019-01-01 655
Number of participants with account balances 2019-01-01 172
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2019-01-01 0
2018: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2018 401k membership
Total participants, beginning-of-year 2018-01-01 803
Total number of active participants reported on line 7a of the Form 5500 2018-01-01 689
Number of other retired or separated participants entitled to future benefits 2018-01-01 68
Total of all active and inactive participants 2018-01-01 757
Total participants 2018-01-01 757
Number of participants with account balances 2018-01-01 156
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-01-01 0
2017: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2017 401k membership
Total participants, beginning-of-year 2017-01-01 870
Total number of active participants reported on line 7a of the Form 5500 2017-01-01 747
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 55
Total of all active and inactive participants 2017-01-01 802
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2017-01-01 0
Total participants 2017-01-01 802
Number of participants with account balances 2017-01-01 157
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-01-01 7
2016: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2016 401k membership
Total participants, beginning-of-year 2016-01-01 788
Total number of active participants reported on line 7a of the Form 5500 2016-01-01 857
Number of other retired or separated participants entitled to future benefits 2016-01-01 49
Total of all active and inactive participants 2016-01-01 906
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2016-01-01 0
Total participants 2016-01-01 906
Number of participants with account balances 2016-01-01 172
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2016-01-01 7
2015: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2015 401k membership
Total participants, beginning-of-year 2015-01-01 517
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 618
Number of retired or separated participants receiving benefits 2015-01-01 4
Number of other retired or separated participants entitled to future benefits 2015-01-01 41
Total of all active and inactive participants 2015-01-01 663
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 0
Total participants 2015-01-01 663
Number of participants with account balances 2015-01-01 140
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 5
2014: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 285
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 448
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 38
Total of all active and inactive participants 2014-01-01 486
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 486
Number of participants with account balances 2014-01-01 82
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 8
2013: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2013 401k membership
Total participants, beginning-of-year 2013-01-01 253
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 200
Number of other retired or separated participants entitled to future benefits 2013-01-01 44
Total of all active and inactive participants 2013-01-01 244
Total participants 2013-01-01 244
Number of participants with account balances 2013-01-01 85
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 14
2012: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2012 401k membership
Total participants, beginning-of-year 2012-01-01 162
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 134
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 29
Total of all active and inactive participants 2012-01-01 163
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 0
Total participants 2012-01-01 163
Number of participants with account balances 2012-01-01 66
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 1

Measure	Date	Value
2022: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2022 401k membership
Total participants, beginning-of-year	2022-01-01	123
Total number of active participants reported on line 7a of the Form 5500	2022-01-01	0
Number of retired or separated participants receiving benefits	2022-01-01	0
Number of other retired or separated participants entitled to future benefits	2022-01-01	0
Total of all active and inactive participants	2022-01-01	0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2022-01-01	0
Total participants	2022-01-01	0
Number of participants with account balances	2022-01-01	0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2022-01-01	0
2021: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2021 401k membership
Total participants, beginning-of-year	2021-01-01	627
Total number of active participants reported on line 7a of the Form 5500	2021-01-01	0
Number of retired or separated participants receiving benefits	2021-01-01	0
Number of other retired or separated participants entitled to future benefits	2021-01-01	123
Total of all active and inactive participants	2021-01-01	123
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2021-01-01	0
Total participants	2021-01-01	123
Number of participants with account balances	2021-01-01	123
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2021-01-01	0
2020: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2020 401k membership
Total participants, beginning-of-year	2020-01-01	686
Total number of active participants reported on line 7a of the Form 5500	2020-01-01	664
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	34
Total of all active and inactive participants	2020-01-01	698
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2020-01-01	0
Total participants	2020-01-01	698
Number of participants with account balances	2020-01-01	186
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2020-01-01	0
2019: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2019 401k membership
Total participants, beginning-of-year	2019-01-01	757
Total number of active participants reported on line 7a of the Form 5500	2019-01-01	589
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	66
Total of all active and inactive participants	2019-01-01	655
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2019-01-01	0
Total participants	2019-01-01	655
Number of participants with account balances	2019-01-01	172
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2019-01-01	0
2018: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2018 401k membership
Total participants, beginning-of-year	2018-01-01	803
Total number of active participants reported on line 7a of the Form 5500	2018-01-01	689
Number of other retired or separated participants entitled to future benefits	2018-01-01	68
Total of all active and inactive participants	2018-01-01	757
Total participants	2018-01-01	757
Number of participants with account balances	2018-01-01	156
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-01-01	0
2017: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2017 401k membership
Total participants, beginning-of-year	2017-01-01	870
Total number of active participants reported on line 7a of the Form 5500	2017-01-01	747
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	55
Total of all active and inactive participants	2017-01-01	802
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2017-01-01	0
Total participants	2017-01-01	802
Number of participants with account balances	2017-01-01	157
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-01-01	7
2016: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2016 401k membership
Total participants, beginning-of-year	2016-01-01	788
Total number of active participants reported on line 7a of the Form 5500	2016-01-01	857
Number of other retired or separated participants entitled to future benefits	2016-01-01	49
Total of all active and inactive participants	2016-01-01	906
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2016-01-01	0
Total participants	2016-01-01	906
Number of participants with account balances	2016-01-01	172
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2016-01-01	7
2015: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2015 401k membership
Total participants, beginning-of-year	2015-01-01	517
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	618
Number of retired or separated participants receiving benefits	2015-01-01	4
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	663
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	0
Total participants	2015-01-01	663
Number of participants with account balances	2015-01-01	140
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	5
2014: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	285
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	448
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	38
Total of all active and inactive participants	2014-01-01	486
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	486
Number of participants with account balances	2014-01-01	82
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	8
2013: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2013 401k membership
Total participants, beginning-of-year	2013-01-01	253
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	200
Number of other retired or separated participants entitled to future benefits	2013-01-01	44
Total of all active and inactive participants	2013-01-01	244
Total participants	2013-01-01	244
Number of participants with account balances	2013-01-01	85
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	14
2012: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2012 401k membership
Total participants, beginning-of-year	2012-01-01	162
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	134
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	29
Total of all active and inactive participants	2012-01-01	163
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	0
Total participants	2012-01-01	163
Number of participants with account balances	2012-01-01	66
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	1

Financial Data on EDUCATION FUTURES GROUP, LLC 401(K) PLAN

Measure	Date	Value
2022 : EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2022 401k financial data
Total unrealized appreciation/depreciation of assets	2022-02-28	$0
Total transfer of assets to this plan	2022-02-28	$0
Total transfer of assets from this plan	2022-02-28	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-02-28	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-02-28	$0
Total income from all sources (including contributions)	2022-02-28	$-127,552
Total loss/gain on sale of assets	2022-02-28	$0
Total of all expenses incurred	2022-02-28	$1,696,968
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2022-02-28	$1,679,769
Expenses. Certain deemed distributions of participant loans	2022-02-28	$9
Value of total corrective distributions	2022-02-28	$5,004
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2022-02-28	$0
Value of total assets at end of year	2022-02-28	$0
Value of total assets at beginning of year	2022-02-28	$1,824,520
Total of administrative expenses incurred including professional, contract, advisory and management fees	2022-02-28	$12,186
Total interest from all sources	2022-02-28	$37
Total dividends received (eg from common stock, registered investment company shares)	2022-02-28	$245
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2022-02-28	Yes
Value of any plan assets that reverted to the employer resulting from resoluton to terminate the plan	2022-02-28	$0
Total dividends received from registered investment company shares (eg mutual funds)	2022-02-28	$245
Was this plan covered by a fidelity bond	2022-02-28	Yes
Value of fidelity bond cover	2022-02-28	$183,000
If this is an individual account plan, was there a blackout period	2022-02-28	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2022-02-28	$0
Were there any nonexempt tranactions with any party-in-interest	2022-02-28	No
Participant contributions at beginning of year	2022-02-28	$30,936
Administrative expenses (other) incurred	2022-02-28	$12,186
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-02-28	No
Value of net income/loss	2022-02-28	$-1,824,520
Value of net assets at end of year (total assets less liabilities)	2022-02-28	$0
Value of net assets at beginning of year (total assets less liabilities)	2022-02-28	$1,824,520
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2022-02-28	No
Were any loans by the plan or fixed income obligations due to the plan in default	2022-02-28	No
Were any leases to which the plan was party in default or uncollectible	2022-02-28	No
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2022-02-28	$1,676,836
Interest on participant loans	2022-02-28	$37
Value of interest in common/collective trusts at beginning of year	2022-02-28	$116,748
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2022-02-28	$-128,018
Net investment gain or loss from common/collective trusts	2022-02-28	$184
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2022-02-28	No
Was there a failure to transmit to the plan any participant contributions	2022-02-28	No
Has the plan failed to provide any benefit when due under the plan	2022-02-28	No
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2022-02-28	$1,679,769
Did the plan have assets held for investment	2022-02-28	No
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	2022-02-28	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2022-02-28	Yes
Opinion of an independent qualified public accountant for this plan	2022-02-28	Unqualified
Accountancy firm name	2022-02-28	SEE ATTACHED REASONABLE CAUSE
Accountancy firm EIN	2022-02-28	202403445
2021 : EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2021 401k financial data
Total unrealized appreciation/depreciation of assets	2021-12-31	$0
Total transfer of assets to this plan	2021-12-31	$0
Total transfer of assets from this plan	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	$806,709
Total loss/gain on sale of assets	2021-12-31	$0
Total of all expenses incurred	2021-12-31	$993,468
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2021-12-31	$883,879
Expenses. Certain deemed distributions of participant loans	2021-12-31	$1,477
Value of total corrective distributions	2021-12-31	$30,855
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2021-12-31	$512,768
Value of total assets at end of year	2021-12-31	$1,824,520
Value of total assets at beginning of year	2021-12-31	$2,011,279
Total of administrative expenses incurred including professional, contract, advisory and management fees	2021-12-31	$77,257
Total interest from all sources	2021-12-31	$767
Total dividends received (eg from common stock, registered investment company shares)	2021-12-31	$73,040
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2021-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2021-12-31	$73,040
Was this plan covered by a fidelity bond	2021-12-31	Yes
Value of fidelity bond cover	2021-12-31	$202,000
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	$369,841
Participant contributions at end of year	2021-12-31	$30,936
Participant contributions at beginning of year	2021-12-31	$28,239
Income. Received or receivable in cash from other sources (including rollovers)	2021-12-31	$142,927
Administrative expenses (other) incurred	2021-12-31	$77,257
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	$-186,759
Value of net assets at end of year (total assets less liabilities)	2021-12-31	$1,824,520
Value of net assets at beginning of year (total assets less liabilities)	2021-12-31	$2,011,279
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
Value of interest in registered invesment companies (eg mutual funds) at end of year	2021-12-31	$1,676,836
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2021-12-31	$1,817,252
Interest on participant loans	2021-12-31	$767
Value of interest in common/collective trusts at end of year	2021-12-31	$116,748
Value of interest in common/collective trusts at beginning of year	2021-12-31	$165,788
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2021-12-31	$217,760
Net investment gain or loss from common/collective trusts	2021-12-31	$2,374
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
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2021-12-31	$883,879
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	SEE ATTACHED REASONABLE CAUSE
Accountancy firm EIN	2021-12-31	202403445
2020 : EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2020 401k financial data
Total unrealized appreciation/depreciation of assets	2020-12-31	$0
Total transfer of assets from this plan	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	$831,997
Total loss/gain on sale of assets	2020-12-31	$0
Total of all expenses incurred	2020-12-31	$331,293
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2020-12-31	$319,785
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2020-12-31	$554,389
Value of total assets at end of year	2020-12-31	$2,011,279
Value of total assets at beginning of year	2020-12-31	$1,510,575
Total of administrative expenses incurred including professional, contract, advisory and management fees	2020-12-31	$11,508
Total interest from all sources	2020-12-31	$222
Total dividends received (eg from common stock, registered investment company shares)	2020-12-31	$65,402
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2020-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2020-12-31	$65,402
Was this plan covered by a fidelity bond	2020-12-31	Yes
Value of fidelity bond cover	2020-12-31	$152,000
If this is an individual account plan, was there a blackout period	2020-12-31	Yes
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	$304,295
Participant contributions at end of year	2020-12-31	$28,239
Participant contributions at beginning of year	2020-12-31	$245
Income. Received or receivable in cash from other sources (including rollovers)	2020-12-31	$250,094
Administrative expenses (other) incurred	2020-12-31	$11,508
Total non interest bearing cash at beginning of year	2020-12-31	$10,327
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	$500,704
Value of net assets at end of year (total assets less liabilities)	2020-12-31	$2,011,279
Value of net assets at beginning of year (total assets less liabilities)	2020-12-31	$1,510,575
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	$1,817,252
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2020-12-31	$1,500,003
Interest on participant loans	2020-12-31	$222
Value of interest in common/collective trusts at end of year	2020-12-31	$165,788
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2020-12-31	$210,074
Net investment gain or loss from common/collective trusts	2020-12-31	$1,910
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
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2020-12-31	$319,785
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	2020-12-31	Yes
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	Disclaimer
Accountancy firm name	2020-12-31	SEE ATTACHED REASONABLE CAUSE
Accountancy firm EIN	2020-12-31	202403445
2019 : EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2019 401k financial data
Total income from all sources (including contributions)	2019-12-31	$482,614
Total of all expenses incurred	2019-12-31	$195,454
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$185,637
Value of total corrective distributions	2019-12-31	$6,746
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$227,160
Value of total assets at end of year	2019-12-31	$1,510,575
Value of total assets at beginning of year	2019-12-31	$1,223,415
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-12-31	$3,071
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$59,725
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2019-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2019-12-31	$59,725
Was this plan covered by a fidelity bond	2019-12-31	Yes
Value of fidelity bond cover	2019-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2019-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2019-12-31	No
Contributions received from participants	2019-12-31	$213,850
Participant contributions at end of year	2019-12-31	$245
Income. Received or receivable in cash from other sources (including rollovers)	2019-12-31	$13,310
Administrative expenses (other) incurred	2019-12-31	$113
Total non interest bearing cash at end of year	2019-12-31	$10,327
Total non interest bearing cash at beginning of year	2019-12-31	$10,823
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	$287,160
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$1,510,575
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$1,223,415
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
Investment advisory and management fees	2019-12-31	$358
Value of interest in registered invesment companies (eg mutual funds) at end of year	2019-12-31	$1,500,003
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2019-12-31	$1,060,930
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2019-12-31	$151,662
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2019-12-31	$151,662
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2019-12-31	$195,729
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	Yes
Has the plan failed to provide any benefit when due under the plan	2019-12-31	No
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-12-31	$185,637
Contract administrator fees	2019-12-31	$2,600
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	ALMICH & ASSOCIATES
Accountancy firm EIN	2019-12-31	330526284
2018 : EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2018 401k financial data
Total income from all sources (including contributions)	2018-12-31	$152,484
Total of all expenses incurred	2018-12-31	$209,315
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2018-12-31	$191,880
Value of total corrective distributions	2018-12-31	$7,257
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2018-12-31	$210,337
Value of total assets at end of year	2018-12-31	$1,223,415
Value of total assets at beginning of year	2018-12-31	$1,280,246
Total of administrative expenses incurred including professional, contract, advisory and management fees	2018-12-31	$10,178
Total dividends received (eg from common stock, registered investment company shares)	2018-12-31	$69,484
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2018-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2018-12-31	$69,484
Was this plan covered by a fidelity bond	2018-12-31	Yes
Value of fidelity bond cover	2018-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2018-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2018-12-31	No
Contributions received from participants	2018-12-31	$205,608
Participant contributions at beginning of year	2018-12-31	$10
Income. Received or receivable in cash from other sources (including rollovers)	2018-12-31	$4,729
Total non interest bearing cash at end of year	2018-12-31	$10,823
Total non interest bearing cash at beginning of year	2018-12-31	$11,013
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	$-56,831
Value of net assets at end of year (total assets less liabilities)	2018-12-31	$1,223,415
Value of net assets at beginning of year (total assets less liabilities)	2018-12-31	$1,280,246
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
Investment advisory and management fees	2018-12-31	$2,611
Value of interest in registered invesment companies (eg mutual funds) at end of year	2018-12-31	$1,060,930
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2018-12-31	$1,079,009
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2018-12-31	$151,662
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2018-12-31	$190,214
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2018-12-31	$190,214
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2018-12-31	$-127,337
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
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	$191,880
Contract administrator fees	2018-12-31	$7,567
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	ALMICH & ASSOCIATES
Accountancy firm EIN	2018-12-31	330526284
2017 : EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2017 401k financial data
Total income from all sources (including contributions)	2017-12-31	$457,133
Total of all expenses incurred	2017-12-31	$190,478
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2017-12-31	$162,227
Value of total corrective distributions	2017-12-31	$19,270
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2017-12-31	$274,173
Value of total assets at end of year	2017-12-31	$1,280,246
Value of total assets at beginning of year	2017-12-31	$1,013,591
Total of administrative expenses incurred including professional, contract, advisory and management fees	2017-12-31	$8,981
Total dividends received (eg from common stock, registered investment company shares)	2017-12-31	$46,853
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2017-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2017-12-31	$46,853
Was this plan covered by a fidelity bond	2017-12-31	Yes
Value of fidelity bond cover	2017-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2017-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2017-12-31	No
Contributions received from participants	2017-12-31	$270,162
Participant contributions at end of year	2017-12-31	$10
Income. Received or receivable in cash from other sources (including rollovers)	2017-12-31	$4,011
Other income not declared elsewhere	2017-12-31	$1,390
Total non interest bearing cash at end of year	2017-12-31	$11,013
Total non interest bearing cash at beginning of year	2017-12-31	$14,395
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	$266,655
Value of net assets at end of year (total assets less liabilities)	2017-12-31	$1,280,246
Value of net assets at beginning of year (total assets less liabilities)	2017-12-31	$1,013,591
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
Investment advisory and management fees	2017-12-31	$8,981
Value of interest in registered invesment companies (eg mutual funds) at end of year	2017-12-31	$1,079,009
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2017-12-31	$806,594
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2017-12-31	$190,214
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2017-12-31	$129,383
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2017-12-31	$129,383
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2017-12-31	$134,717
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	Yes
Has the plan failed to provide any benefit when due under the plan	2017-12-31	No
Employer contributions (assets) at end of year	2017-12-31	$0
Employer contributions (assets) at beginning of year	2017-12-31	$63,219
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2017-12-31	$162,227
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	ALMICH & ASSOCIATES
Accountancy firm EIN	2017-12-31	330526284
2016 : EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2016 401k financial data
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	$385,548
Total of all expenses incurred	2016-12-31	$120,273
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2016-12-31	$71,056
Value of total corrective distributions	2016-12-31	$47,217
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2016-12-31	$339,866
Value of total assets at end of year	2016-12-31	$1,013,591
Value of total assets at beginning of year	2016-12-31	$748,316
Total of administrative expenses incurred including professional, contract, advisory and management fees	2016-12-31	$2,000
Total dividends received (eg from common stock, registered investment company shares)	2016-12-31	$26,572
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2016-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2016-12-31	$26,572
Was this plan covered by a fidelity bond	2016-12-31	Yes
Value of fidelity bond cover	2016-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2016-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2016-12-31	No
Contributions received from participants	2016-12-31	$266,519
Income. Received or receivable in cash from other sources (including rollovers)	2016-12-31	$10,128
Liabilities. Value of operating payables at beginning of year	2016-12-31	$0
Total non interest bearing cash at end of year	2016-12-31	$14,395
Total non interest bearing cash at beginning of year	2016-12-31	$16,910
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	$265,275
Value of net assets at end of year (total assets less liabilities)	2016-12-31	$1,013,591
Value of net assets at beginning of year (total assets less liabilities)	2016-12-31	$748,316
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
Investment advisory and management fees	2016-12-31	$80
Value of interest in registered invesment companies (eg mutual funds) at end of year	2016-12-31	$806,594
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2016-12-31	$554,443
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2016-12-31	$129,383
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2016-12-31	$120,647
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2016-12-31	$120,647
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2016-12-31	$19,110
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	$63,219
Employer contributions (assets) at end of year	2016-12-31	$63,219
Employer contributions (assets) at beginning of year	2016-12-31	$56,316
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2016-12-31	$71,056
Contract administrator fees	2016-12-31	$1,920
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	ALMICH & ASSOCIATES
Accountancy firm EIN	2016-12-31	330526284
2015 : EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2015 401k financial data
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	$295,358
Total of all expenses incurred	2015-12-31	$208,669
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$165,646
Value of total corrective distributions	2015-12-31	$29,117
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$294,354
Value of total assets at end of year	2015-12-31	$748,316
Value of total assets at beginning of year	2015-12-31	$661,627
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$13,906
Total interest from all sources	2015-12-31	$41
Total dividends received (eg from common stock, registered investment company shares)	2015-12-31	$22,035
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2015-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2015-12-31	$22,035
Was this plan covered by a fidelity bond	2015-12-31	Yes
Value of fidelity bond cover	2015-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2015-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2015-12-31	No
Contributions received from participants	2015-12-31	$237,718
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2015-12-31	$0
Liabilities. Value of operating payables at end of year	2015-12-31	$0
Total non interest bearing cash at end of year	2015-12-31	$16,910
Total non interest bearing cash at beginning of year	2015-12-31	$7,970
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	$86,689
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$748,316
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$661,627
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
Investment advisory and management fees	2015-12-31	$830
Value of interest in registered invesment companies (eg mutual funds) at end of year	2015-12-31	$554,443
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2015-12-31	$498,412
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2015-12-31	$120,647
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2015-12-31	$101,812
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2015-12-31	$101,812
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2015-12-31	$41
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2015-12-31	$-21,072
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	Yes
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	$56,636
Employer contributions (assets) at end of year	2015-12-31	$56,316
Employer contributions (assets) at beginning of year	2015-12-31	$53,433
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$165,646
Contract administrator fees	2015-12-31	$13,076
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	ALMICH & ASSOCIATES
Accountancy firm EIN	2015-12-31	330526284
2014 : EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2014 401k financial data
Total liabilities at end 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	$213,266
Total of all expenses incurred	2014-12-31	$117,315
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$108,385
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$184,686
Value of total assets at end of year	2014-12-31	$661,627
Value of total assets at beginning of year	2014-12-31	$565,676
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$8,930
Total dividends received (eg from common stock, registered investment company shares)	2014-12-31	$21,200
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2014-12-31	$21,200
Administrative expenses professional fees incurred	2014-12-31	$8,500
Was this plan covered by a fidelity bond	2014-12-31	Yes
Value of fidelity bond cover	2014-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2014-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2014-12-31	No
Contributions received from participants	2014-12-31	$130,408
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2014-12-31	$0
Total non interest bearing cash at end of year	2014-12-31	$7,970
Total non interest bearing cash at beginning of year	2014-12-31	$12,086
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	$95,951
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$661,627
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$565,676
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	$80
Value of interest in registered invesment companies (eg mutual funds) at end of year	2014-12-31	$498,412
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2014-12-31	$436,090
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2014-12-31	$101,812
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2014-12-31	$65,667
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2014-12-31	$65,667
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2014-12-31	$7,380
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	Yes
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	$54,278
Employer contributions (assets) at end of year	2014-12-31	$53,433
Employer contributions (assets) at beginning of year	2014-12-31	$51,833
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$108,385
Contract administrator fees	2014-12-31	$350
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	ALMICH & ASSOCIATES
Accountancy firm EIN	2014-12-31	330526284
2013 : EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2013 401k financial data
Total income from all sources (including contributions)	2013-12-31	$245,490
Total of all expenses incurred	2013-12-31	$65,432
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$65,432
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$175,117
Value of total assets at end of year	2013-12-31	$565,676
Value of total assets at beginning of year	2013-12-31	$385,618
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$10,540
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2013-12-31	$10,540
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2013-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2013-12-31	No
Contributions received from participants	2013-12-31	$123,284
Participant contributions at beginning of year	2013-12-31	$15,432
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	$180,058
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$565,676
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$385,618
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-12-31	No
Were any leases to which the plan was party in default or uncollectible	2013-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2013-12-31	$436,090
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2013-12-31	$331,723
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2013-12-31	$77,753
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2013-12-31	$59,833
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	Yes
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	$51,833
Employer contributions (assets) at end of year	2013-12-31	$51,833
Employer contributions (assets) at beginning of year	2013-12-31	$38,463
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$65,432
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	ALMICH & ASSOCIATES
Accountancy firm EIN	2013-12-31	330526284
2012 : EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2012 401k financial data
Total income from all sources (including contributions)	2012-12-31	$167,213
Total of all expenses incurred	2012-12-31	$43,050
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$43,050
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$137,069
Value of total assets at end of year	2012-12-31	$356,094
Value of total assets at beginning of year	2012-12-31	$231,931
Total interest from all sources	2012-12-31	$0
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
Total dividends received from registered investment company shares (eg mutual funds)	2012-12-31	$0
Was this plan covered by a fidelity bond	2012-12-31	No
If this is an individual account plan, was there a blackout period	2012-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2012-12-31	No
Contributions received from participants	2012-12-31	$106,377
Participant contributions at end of year	2012-12-31	$4,077
Income. Received or receivable in cash from other sources (including rollovers)	2012-12-31	$4,019
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
Income. Non cash contributions	2012-12-31	$0
Value of net income/loss	2012-12-31	$124,163
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$356,094
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$231,931
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
Value of interest in registered invesment companies (eg mutual funds) at end of year	2012-12-31	$331,307
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2012-12-31	$224,554
Interest on participant loans	2012-12-31	$0
Income. Interest from loans (other than to participants)	2012-12-31	$0
Interest earned on other investments	2012-12-31	$0
Income. Interest from US Government securities	2012-12-31	$0
Income. Interest from corporate debt instruments	2012-12-31	$0
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2012-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2012-12-31	$30,144
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	$26,673
Employer contributions (assets) at end of year	2012-12-31	$20,710
Employer contributions (assets) at beginning of year	2012-12-31	$7,377
Income. Dividends from preferred stock	2012-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$43,050
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

Form 5500 Responses for EDUCATION FUTURES GROUP, LLC 401(K) PLAN

2022: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2022 form 5500 responses
2022-01-01	Type of plan entity	Single employer plan
2022-01-01	Submission has been amended	Yes
2022-01-01	This submission is the final filing	Yes
2022-01-01	This return/report is a short plan year return/report (less than 12 months)	Yes
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: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2021 form 5500 responses
2021-01-01	Type of plan entity	Single employer plan
2021-01-01	Submission has been amended	Yes
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: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2020 form 5500 responses
2020-01-01	Type of plan entity	Single employer plan
2020-01-01	Submission has been amended	Yes
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: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2019 form 5500 responses
2019-01-01	Type of plan entity	Single employer plan
2019-01-01	Submission has been amended	Yes
2019-01-01	Plan funding arrangement – Trust	Yes
2019-01-01	Plan benefit arrangement - Trust	Yes
2018: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2018 form 5500 responses
2018-01-01	Type of plan entity	Single employer plan
2018-01-01	Submission has been amended	Yes
2018-01-01	Plan funding arrangement – Trust	Yes
2018-01-01	Plan benefit arrangement - Trust	Yes
2017: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2017 form 5500 responses
2017-01-01	Type of plan entity	Single employer plan
2017-01-01	Plan funding arrangement – Trust	Yes
2017-01-01	Plan benefit arrangement - Trust	Yes
2016: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2016 form 5500 responses
2016-01-01	Type of plan entity	Single employer plan
2016-01-01	Plan funding arrangement – Trust	Yes
2016-01-01	Plan benefit arrangement - Trust	Yes
2015: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2015 form 5500 responses
2015-01-01	Type of plan entity	Single employer plan
2015-01-01	Plan funding arrangement – Trust	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes
2014: EDUCATION FUTURES GROUP, LLC 401(K) PLAN 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: EDUCATION FUTURES GROUP, LLC 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: EDUCATION FUTURES GROUP, LLC 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

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Company Name:	EDUCATION FUTURES GROUP, LLC
Employer identification number (EIN):	202403445
NAIC Classification:	611000