401k Plan data: XPERT 401(K) PLAN plan

XPERT 401(K) PLAN 401k Plan overview

Plan Name	XPERT 401(K) PLAN
Plan identification number	001

XPERT 401(K) PLAN Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

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

401k Sponsoring company profile

P-EXPERTS BENEFIT SOLUTIONS, LLC has sponsored the creation of one or more 401k plans.

Company Name: P-EXPERTS BENEFIT SOLUTIONS, LLC

Employer identification number (EIN): 273465248

NAIC Classification: 541214
NAIC Description: Payroll Services

Form 5500 Filing Information

Submission information for form 5500 for 401k plan XPERT 401(K) PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2014-01-01 JASON ROTH JASON ROTH 2015-10-14
001 2013-01-01 JASON ROTH JASON ROTH 2015-09-01
001 2012-01-01 JASON ROTH
001 2011-01-01 SHARON KENNEDY, APA, QPA, QKA, ERPA 2012-10-03

Plan id#	Filing Submission Date	Name of Administrator	Date Administrator Signed	Name of Company Sponsor	Date Sponsor Signed
001	2014-01-01	JASON ROTH		JASON ROTH	2015-10-14
001	2013-01-01	JASON ROTH		JASON ROTH	2015-09-01
001	2012-01-01	JASON ROTH
001	2011-01-01	SHARON KENNEDY, APA, QPA, QKA, ERPA	2012-10-03

Plan Statistics for XPERT 401(K) PLAN

401k plan membership statisitcs for XPERT 401(K) PLAN

Measure Date Value
2014: XPERT 401(K) PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 644
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 0
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 0
Total of all active and inactive participants 2014-01-01 0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 0
Number of participants with account balances 2014-01-01 0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 0
2013: XPERT 401(K) PLAN 2013 401k membership
Total participants, beginning-of-year 2013-01-01 647
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 582
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 62
Total of all active and inactive participants 2013-01-01 644
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 0
Total participants 2013-01-01 644
Number of participants with account balances 2013-01-01 124
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 3
2012: XPERT 401(K) PLAN 2012 401k membership
Total participants, beginning-of-year 2012-01-01 579
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 524
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 71
Total of all active and inactive participants 2012-01-01 595
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 0
Total participants 2012-01-01 595
Number of participants with account balances 2012-01-01 237
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 3

Measure	Date	Value
2014: XPERT 401(K) PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	644
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	0
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	0
Total of all active and inactive participants	2014-01-01	0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	0
Number of participants with account balances	2014-01-01	0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	0
2013: XPERT 401(K) PLAN 2013 401k membership
Total participants, beginning-of-year	2013-01-01	647
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	582
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	62
Total of all active and inactive participants	2013-01-01	644
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	0
Total participants	2013-01-01	644
Number of participants with account balances	2013-01-01	124
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	3
2012: XPERT 401(K) PLAN 2012 401k membership
Total participants, beginning-of-year	2012-01-01	579
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	524
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	71
Total of all active and inactive participants	2012-01-01	595
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	0
Total participants	2012-01-01	595
Number of participants with account balances	2012-01-01	237
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	3

Financial Data on XPERT 401(K) PLAN

Measure	Date	Value
2014 : XPERT 401(K) PLAN 2014 401k financial data
Total transfer of assets from this plan	2014-12-31	$1,475,512
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	$18,557
Total of all expenses incurred	2014-12-31	$227,114
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$209,966
Value of total corrective distributions	2014-12-31	$9,136
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$8,345
Value of total assets at end of year	2014-12-31	$0
Value of total assets at beginning of year	2014-12-31	$1,684,069
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$8,012
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-31	Yes
Value of any plan assets that reverted to the employer resulting from resoluton to terminate the plan	2014-12-31	$0
Was this plan covered by a fidelity bond	2014-12-31	Yes
Value of fidelity bond cover	2014-12-31	$500,000
If this is an individual account plan, was there a blackout period	2014-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2014-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2014-12-31	No
Contributions received from participants	2014-12-31	$6,054
Participant contributions at end of year	2014-12-31	$0
Participant contributions at beginning of year	2014-12-31	$60,552
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2014-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Value of net income/loss	2014-12-31	$-208,557
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$0
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$1,684,069
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-12-31	No
Were any leases to which the plan was party in default or uncollectible	2014-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2014-12-31	$0
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2014-12-31	$1,623,517
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2014-12-31	$10,212
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	$2,291
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$209,966
Contract administrator fees	2014-12-31	$8,012
Did the plan have assets held for investment	2014-12-31	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	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	CLIFTONLARSONALLEN
Accountancy firm EIN	2014-12-31	410746749
2013 : XPERT 401(K) PLAN 2013 401k financial data
Total transfer of assets to this plan	2013-12-31	$264,956
Total transfer of assets from this plan	2013-12-31	$2,868,605
Total income from all sources (including contributions)	2013-12-31	$1,075,117
Total of all expenses incurred	2013-12-31	$795,180
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$764,076
Value of total corrective distributions	2013-12-31	$1,380
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$397,903
Value of total assets at end of year	2013-12-31	$1,684,069
Value of total assets at beginning of year	2013-12-31	$4,007,781
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$29,724
Total interest from all sources	2013-12-31	$3,230
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	Yes
Value of any plan assets that reverted to the employer resulting from resoluton to terminate the plan	2013-12-31	$0
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$500,000
If this is an individual account plan, was there a blackout period	2013-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2013-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2013-12-31	No
Contributions received from participants	2013-12-31	$308,958
Participant contributions at end of year	2013-12-31	$60,552
Participant contributions at beginning of year	2013-12-31	$50,212
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	$279,937
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$1,684,069
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$4,007,781
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	$1,623,517
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2013-12-31	$3,957,569
Interest on participant loans	2013-12-31	$3,230
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2013-12-31	$673,984
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-12-31	No
Was there a failure to transmit to the plan any participant contributions	2013-12-31	No
Has the plan failed to provide any benefit when due under the plan	2013-12-31	No
Contributions received in cash from employer	2013-12-31	$88,945
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$764,076
Contract administrator fees	2013-12-31	$29,724
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	CLIFTONLARSONALLEN
Accountancy firm EIN	2013-12-31	410746749
2012 : XPERT 401(K) PLAN 2012 401k financial data
Total unrealized appreciation/depreciation of assets	2012-12-31	$0
Total transfer of assets to this plan	2012-12-31	$1,715,174
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total income from all sources (including contributions)	2012-12-31	$703,373
Total loss/gain on sale of assets	2012-12-31	$0
Total of all expenses incurred	2012-12-31	$93,081
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$69,077
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$437,086
Value of total assets at end of year	2012-12-31	$4,007,781
Value of total assets at beginning of year	2012-12-31	$1,682,315
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$24,004
Total interest from all sources	2012-12-31	$2,714
Total dividends received (eg from common stock, registered investment company shares)	2012-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-12-31	No
Was this plan covered by a fidelity bond	2012-12-31	No
If this is an individual account plan, was there a blackout period	2012-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2012-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2012-12-31	No
Contributions received from participants	2012-12-31	$83,801
Participant contributions at end of year	2012-12-31	$50,212
Participant contributions at beginning of year	2012-12-31	$67,742
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Value of net income/loss	2012-12-31	$610,292
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$4,007,781
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$1,682,315
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2012-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2012-12-31	No
Were any leases to which the plan was party in default or uncollectible	2012-12-31	No
Investment advisory and management fees	2012-12-31	$24,004
Value of interest in registered invesment companies (eg mutual funds) at end of year	2012-12-31	$3,957,569
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2012-12-31	$1,614,573
Income. Interest from loans (other than to participants)	2012-12-31	$2,714
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2012-12-31	$263,573
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	$353,285
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$69,077
Did the plan have assets held for investment	2012-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2012-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2012-12-31	No
Opinion of an independent qualified public accountant for this plan	2012-12-31	Unqualified
Accountancy firm name	2012-12-31	TOMISATO PC
Accountancy firm EIN	2012-12-31	208464452

Form 5500 Responses for XPERT 401(K) PLAN

2014: XPERT 401(K) PLAN 2014 form 5500 responses
2014-01-01	Type of plan entity	Mulitple employer plan
2014-01-01	Submission has been amended	No
2014-01-01	This submission is the final filing	Yes
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-01-01	Plan is a collectively bargained plan	No
2014-01-01	Plan funding arrangement – Insurance	Yes
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: XPERT 401(K) PLAN 2013 form 5500 responses
2013-01-01	Type of plan entity	Mulitple employer plan
2013-01-01	Submission has been amended	Yes
2013-01-01	This submission is the final filing	No
2013-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-01-01	Plan is a collectively bargained plan	No
2013-01-01	Plan funding arrangement – Insurance	Yes
2013-01-01	Plan funding arrangement – Trust	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes
2012: XPERT 401(K) PLAN 2012 form 5500 responses
2012-01-01	Type of plan entity	Mulitple employer plan
2012-01-01	Submission has been amended	Yes
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

Insurance Providers Used on plan

TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 70688 )

Policy contract number

932246-000

Policy instance

Insurance contract or identification number	932246-000
Number of Individuals Covered	0
Insurance policy start date	2014-01-01
Insurance policy end date	2014-12-31
Total amount of commissions paid to insurance broker	USD $6
Total amount of fees paid to insurance company	USD $0
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $6
Insurance broker organization code?	3
Insurance broker name	MERRILL LYNCH LIFE AGENCY INC

TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 70688 )

Policy contract number

932246-000

Policy instance

Insurance contract or identification number	932246-000
Number of Individuals Covered	644
Insurance policy start date	2013-01-01
Insurance policy end date	2013-12-31
Total amount of commissions paid to insurance broker	USD $11,942
Total amount of fees paid to insurance company	USD $0
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $10,200
Insurance broker organization code?	3
Insurance broker name	MERRILL LYNCH LIFE AGENCY INC

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Company Name:	P-EXPERTS BENEFIT SOLUTIONS, LLC
Employer identification number (EIN):	273465248
NAIC Classification:	541214
NAIC Description:	Payroll Services