401k Plan data: BAY & BAY RETIREMENT PLAN plan

BAY & BAY RETIREMENT PLAN 401k Plan overview

Plan Name	BAY & BAY RETIREMENT PLAN
Plan identification number	001

BAY & BAY RETIREMENT PLAN Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b), (c), or (m)).

401k Sponsoring company profile

BAY & BAY TRANSFER CO., INC. has sponsored the creation of one or more 401k plans.

Company Name: BAY & BAY TRANSFER CO., INC.

Employer identification number (EIN): 410141842

NAIC Classification: 811190

Form 5500 Filing Information

Submission information for form 5500 for 401k plan BAY & BAY RETIREMENT 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 2019-01-01
001 2018-01-01
001 2017-01-01 MICHAEL WESTLAND MICHAEL WESTLAND 2018-10-15
001 2016-01-01 THOMAS BRADY THOMAS BRADY 2017-10-11
001 2015-01-01 TOM QUINTUS TOM QUINTUS 2016-10-13

Plan id#	Filing Submission Date	Name of Administrator	Name of Company Sponsor	Date Sponsor Signed
001	2022-01-01
001	2021-01-01
001	2020-01-01
001	2019-01-01
001	2018-01-01
001	2017-01-01	MICHAEL WESTLAND	MICHAEL WESTLAND	2018-10-15
001	2016-01-01	THOMAS BRADY	THOMAS BRADY	2017-10-11
001	2015-01-01	TOM QUINTUS	TOM QUINTUS	2016-10-13

Plan Statistics for BAY & BAY RETIREMENT PLAN

401k plan membership statisitcs for BAY & BAY RETIREMENT PLAN

Measure Date Value
2022: BAY & BAY RETIREMENT PLAN 2022 401k membership
Total participants, beginning-of-year 2022-01-01 424
Total number of active participants reported on line 7a of the Form 5500 2022-01-01 278
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 64
Total of all active and inactive participants 2022-01-01 342
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2022-01-01 0
Total participants 2022-01-01 342
Number of participants with account balances 2022-01-01 186
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2022-01-01 16
2021: BAY & BAY RETIREMENT PLAN 2021 401k membership
Total participants, beginning-of-year 2021-01-01 365
Total number of active participants reported on line 7a of the Form 5500 2021-01-01 303
Number of retired or separated participants receiving benefits 2021-01-01 3
Number of other retired or separated participants entitled to future benefits 2021-01-01 75
Total of all active and inactive participants 2021-01-01 381
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2021-01-01 0
Total participants 2021-01-01 381
Number of participants with account balances 2021-01-01 196
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2021-01-01 11
2020: BAY & BAY RETIREMENT PLAN 2020 401k membership
Total participants, beginning-of-year 2020-01-01 357
Total number of active participants reported on line 7a of the Form 5500 2020-01-01 318
Number of retired or separated participants receiving benefits 2020-01-01 2
Number of other retired or separated participants entitled to future benefits 2020-01-01 70
Total of all active and inactive participants 2020-01-01 390
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2020-01-01 0
Total participants 2020-01-01 390
Number of participants with account balances 2020-01-01 198
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2020-01-01 10
2019: BAY & BAY RETIREMENT PLAN 2019 401k membership
Total participants, beginning-of-year 2019-01-01 335
Total number of active participants reported on line 7a of the Form 5500 2019-01-01 278
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 2019-01-01 344
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2019-01-01 0
Total participants 2019-01-01 344
Number of participants with account balances 2019-01-01 196
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2019-01-01 9
2018: BAY & BAY RETIREMENT PLAN 2018 401k membership
Total participants, beginning-of-year 2018-01-01 331
Total number of active participants reported on line 7a of the Form 5500 2018-01-01 248
Number of other retired or separated participants entitled to future benefits 2018-01-01 64
Total of all active and inactive participants 2018-01-01 312
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2018-01-01 0
Total participants 2018-01-01 312
Number of participants with account balances 2018-01-01 174
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-01-01 5
2017: BAY & BAY RETIREMENT PLAN 2017 401k membership
Total participants, beginning-of-year 2017-01-01 420
Total number of active participants reported on line 7a of the Form 5500 2017-01-01 258
Number of other retired or separated participants entitled to future benefits 2017-01-01 64
Total of all active and inactive participants 2017-01-01 322
Total participants 2017-01-01 322
Number of participants with account balances 2017-01-01 178
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-01-01 16
2016: BAY & BAY RETIREMENT PLAN 2016 401k membership
Total participants, beginning-of-year 2016-01-01 444
Total number of active participants reported on line 7a of the Form 5500 2016-01-01 337
Number of retired or separated participants receiving benefits 2016-01-01 4
Number of other retired or separated participants entitled to future benefits 2016-01-01 49
Total of all active and inactive participants 2016-01-01 390
Total participants 2016-01-01 390
Number of participants with account balances 2016-01-01 193
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2016-01-01 19
2015: BAY & BAY RETIREMENT PLAN 2015 401k membership
Total participants, beginning-of-year 2015-01-01 418
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 360
Number of other retired or separated participants entitled to future benefits 2015-01-01 50
Total of all active and inactive participants 2015-01-01 410
Total participants 2015-01-01 410
Number of participants with account balances 2015-01-01 211
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 19

Measure	Date	Value
2022: BAY & BAY RETIREMENT PLAN 2022 401k membership
Total participants, beginning-of-year	2022-01-01	424
Total number of active participants reported on line 7a of the Form 5500	2022-01-01	278
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	64
Total of all active and inactive participants	2022-01-01	342
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2022-01-01	0
Total participants	2022-01-01	342
Number of participants with account balances	2022-01-01	186
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2022-01-01	16
2021: BAY & BAY RETIREMENT PLAN 2021 401k membership
Total participants, beginning-of-year	2021-01-01	365
Total number of active participants reported on line 7a of the Form 5500	2021-01-01	303
Number of retired or separated participants receiving benefits	2021-01-01	3
Number of other retired or separated participants entitled to future benefits	2021-01-01	75
Total of all active and inactive participants	2021-01-01	381
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2021-01-01	0
Total participants	2021-01-01	381
Number of participants with account balances	2021-01-01	196
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2021-01-01	11
2020: BAY & BAY RETIREMENT PLAN 2020 401k membership
Total participants, beginning-of-year	2020-01-01	357
Total number of active participants reported on line 7a of the Form 5500	2020-01-01	318
Number of retired or separated participants receiving benefits	2020-01-01	2
Number of other retired or separated participants entitled to future benefits	2020-01-01	70
Total of all active and inactive participants	2020-01-01	390
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2020-01-01	0
Total participants	2020-01-01	390
Number of participants with account balances	2020-01-01	198
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2020-01-01	10
2019: BAY & BAY RETIREMENT PLAN 2019 401k membership
Total participants, beginning-of-year	2019-01-01	335
Total number of active participants reported on line 7a of the Form 5500	2019-01-01	278
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	344
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2019-01-01	0
Total participants	2019-01-01	344
Number of participants with account balances	2019-01-01	196
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2019-01-01	9
2018: BAY & BAY RETIREMENT PLAN 2018 401k membership
Total participants, beginning-of-year	2018-01-01	331
Total number of active participants reported on line 7a of the Form 5500	2018-01-01	248
Number of other retired or separated participants entitled to future benefits	2018-01-01	64
Total of all active and inactive participants	2018-01-01	312
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2018-01-01	0
Total participants	2018-01-01	312
Number of participants with account balances	2018-01-01	174
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-01-01	5
2017: BAY & BAY RETIREMENT PLAN 2017 401k membership
Total participants, beginning-of-year	2017-01-01	420
Total number of active participants reported on line 7a of the Form 5500	2017-01-01	258
Number of other retired or separated participants entitled to future benefits	2017-01-01	64
Total of all active and inactive participants	2017-01-01	322
Total participants	2017-01-01	322
Number of participants with account balances	2017-01-01	178
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-01-01	16
2016: BAY & BAY RETIREMENT PLAN 2016 401k membership
Total participants, beginning-of-year	2016-01-01	444
Total number of active participants reported on line 7a of the Form 5500	2016-01-01	337
Number of retired or separated participants receiving benefits	2016-01-01	4
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	390
Total participants	2016-01-01	390
Number of participants with account balances	2016-01-01	193
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2016-01-01	19
2015: BAY & BAY RETIREMENT PLAN 2015 401k membership
Total participants, beginning-of-year	2015-01-01	418
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	360
Number of other retired or separated participants entitled to future benefits	2015-01-01	50
Total of all active and inactive participants	2015-01-01	410
Total participants	2015-01-01	410
Number of participants with account balances	2015-01-01	211
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	19

Financial Data on BAY & BAY RETIREMENT PLAN

Measure	Date	Value
2022 : BAY & BAY RETIREMENT PLAN 2022 401k financial data
Total unrealized appreciation/depreciation of assets	2022-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-12-31	$56,364
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-12-31	$23,874
Total income from all sources (including contributions)	2022-12-31	$-438,760
Total loss/gain on sale of assets	2022-12-31	$0
Total of all expenses incurred	2022-12-31	$1,385,385
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2022-12-31	$1,307,578
Value of total corrective distributions	2022-12-31	$32,491
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2022-12-31	$1,254,324
Value of total assets at end of year	2022-12-31	$9,143,926
Value of total assets at beginning of year	2022-12-31	$10,935,581
Total of administrative expenses incurred including professional, contract, advisory and management fees	2022-12-31	$45,316
Total interest from all sources	2022-12-31	$0
Total dividends received (eg from common stock, registered investment company shares)	2022-12-31	$262,367
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2022-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2022-12-31	$262,367
Was this plan covered by a fidelity bond	2022-12-31	Yes
Value of fidelity bond cover	2022-12-31	$500,000
If this is an individual account plan, was there a blackout period	2022-12-31	Yes
Were there any nonexempt tranactions with any party-in-interest	2022-12-31	No
Contributions received from participants	2022-12-31	$908,459
Participant contributions at end of year	2022-12-31	$3,613
Participant contributions at beginning of year	2022-12-31	$0
Income. Received or receivable in cash from other sources (including rollovers)	2022-12-31	$192,580
Administrative expenses (other) incurred	2022-12-31	$45,316
Liabilities. Value of operating payables at end of year	2022-12-31	$56,364
Liabilities. Value of operating payables at beginning of year	2022-12-31	$23,874
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-12-31	No
Value of net income/loss	2022-12-31	$-1,824,145
Value of net assets at end of year (total assets less liabilities)	2022-12-31	$9,087,562
Value of net assets at beginning of year (total assets less liabilities)	2022-12-31	$10,911,707
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2022-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2022-12-31	No
Were any leases to which the plan was party in default or uncollectible	2022-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2022-12-31	$8,604,662
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2022-12-31	$10,604,064
Value of interest in common/collective trusts at end of year	2022-12-31	$534,914
Value of interest in common/collective trusts at beginning of year	2022-12-31	$327,971
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2022-12-31	$0
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2022-12-31	$3,546
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2022-12-31	$3,546
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2022-12-31	$-1,968,267
Net investment gain or loss from common/collective trusts	2022-12-31	$12,816
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2022-12-31	No
Was there a failure to transmit to the plan any participant contributions	2022-12-31	Yes
Has the plan failed to provide any benefit when due under the plan	2022-12-31	No
Contributions received in cash from employer	2022-12-31	$153,285
Employer contributions (assets) at end of year	2022-12-31	$737
Employer contributions (assets) at beginning of year	2022-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2022-12-31	$1,307,578
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	2022-12-31	Yes
Did the plan have assets held for investment	2022-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2022-12-31	No
Opinion of an independent qualified public accountant for this plan	2022-12-31	Unqualified
Accountancy firm name	2022-12-31	LAWRENCE CUMPSTON & ASSOCIATES PLLP
Accountancy firm EIN	2022-12-31	411859614
2021 : BAY & BAY RETIREMENT PLAN 2021 401k financial data
Total unrealized appreciation/depreciation of assets	2021-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-12-31	$23,874
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	$2,100,917
Total loss/gain on sale of assets	2021-12-31	$0
Total of all expenses incurred	2021-12-31	$680,208
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2021-12-31	$612,265
Value of total corrective distributions	2021-12-31	$23,874
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2021-12-31	$1,151,893
Value of total assets at end of year	2021-12-31	$10,935,581
Value of total assets at beginning of year	2021-12-31	$9,490,998
Total of administrative expenses incurred including professional, contract, advisory and management fees	2021-12-31	$44,069
Total interest from all sources	2021-12-31	$0
Total dividends received (eg from common stock, registered investment company shares)	2021-12-31	$1,305,112
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	$1,305,112
Was this plan covered by a fidelity bond	2021-12-31	Yes
Value of fidelity bond cover	2021-12-31	$500,000
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	$805,678
Income. Received or receivable in cash from other sources (including rollovers)	2021-12-31	$213,067
Administrative expenses (other) incurred	2021-12-31	$44,069
Liabilities. Value of operating payables at end of year	2021-12-31	$23,874
Liabilities. Value of operating payables at beginning of year	2021-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-12-31	No
Value of net income/loss	2021-12-31	$1,420,709
Value of net assets at end of year (total assets less liabilities)	2021-12-31	$10,911,707
Value of net assets at beginning of year (total assets less liabilities)	2021-12-31	$9,490,998
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	$10,604,064
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2021-12-31	$9,094,154
Value of interest in common/collective trusts at end of year	2021-12-31	$327,971
Value of interest in common/collective trusts at beginning of year	2021-12-31	$390,876
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2021-12-31	$3,546
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2021-12-31	$5,968
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2021-12-31	$5,968
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2021-12-31	$-362,928
Net investment gain or loss from common/collective trusts	2021-12-31	$6,840
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2021-12-31	No
Was there a failure to transmit to the plan any participant contributions	2021-12-31	No
Has the plan failed to provide any benefit when due under the plan	2021-12-31	No
Contributions received in cash from employer	2021-12-31	$133,148
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2021-12-31	$612,265
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	LAWRENCE CUMPSTON & ASSOCIATES PLLP
Accountancy firm EIN	2021-12-31	411859614
2020 : BAY & BAY RETIREMENT PLAN 2020 401k financial data
Total unrealized appreciation/depreciation of assets	2020-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$36,578
Total income from all sources (including contributions)	2020-12-31	$2,500,150
Total loss/gain on sale of assets	2020-12-31	$0
Total of all expenses incurred	2020-12-31	$887,830
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2020-12-31	$851,773
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2020-12-31	$919,963
Value of total assets at end of year	2020-12-31	$9,490,998
Value of total assets at beginning of year	2020-12-31	$7,915,256
Total of administrative expenses incurred including professional, contract, advisory and management fees	2020-12-31	$36,057
Total interest from all sources	2020-12-31	$0
Total dividends received (eg from common stock, registered investment company shares)	2020-12-31	$517,101
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	$517,101
Was this plan covered by a fidelity bond	2020-12-31	Yes
Value of fidelity bond cover	2020-12-31	$500,000
If this is an individual account plan, was there a blackout period	2020-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2020-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2020-12-31	No
Contributions received from participants	2020-12-31	$740,032
Income. Received or receivable in cash from other sources (including rollovers)	2020-12-31	$113,086
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2020-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2020-12-31	$36,578
Administrative expenses (other) incurred	2020-12-31	$36,057
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	$1,612,320
Value of net assets at end of year (total assets less liabilities)	2020-12-31	$9,490,998
Value of net assets at beginning of year (total assets less liabilities)	2020-12-31	$7,878,678
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	$9,094,154
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2020-12-31	$7,691,128
Value of interest in common/collective trusts at end of year	2020-12-31	$390,876
Value of interest in common/collective trusts at beginning of year	2020-12-31	$223,166
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2020-12-31	$5,968
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2020-12-31	$962
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2020-12-31	$962
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2020-12-31	$1,053,980
Net investment gain or loss from common/collective trusts	2020-12-31	$9,106
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	Yes
Has the plan failed to provide any benefit when due under the plan	2020-12-31	No
Contributions received in cash from employer	2020-12-31	$66,845
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2020-12-31	$851,773
Did the plan have assets held for investment	2020-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2020-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2020-12-31	No
Opinion of an independent qualified public accountant for this plan	2020-12-31	Unqualified
Accountancy firm name	2020-12-31	LAWRENCE CUMPSTON & ASSOCIATES PLLP
Accountancy firm EIN	2020-12-31	411859614
2019 : BAY & BAY RETIREMENT PLAN 2019 401k financial data
Total unrealized appreciation/depreciation of assets	2019-12-31	$0
Total unrealized appreciation/depreciation of assets	2019-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$36,578
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$36,578
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$671
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$671
Total income from all sources (including contributions)	2019-12-31	$2,438,078
Total income from all sources (including contributions)	2019-12-31	$2,438,078
Total loss/gain on sale of assets	2019-12-31	$0
Total loss/gain on sale of assets	2019-12-31	$0
Total of all expenses incurred	2019-12-31	$1,159,560
Total of all expenses incurred	2019-12-31	$1,159,560
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$1,088,248
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$1,088,248
Value of total corrective distributions	2019-12-31	$35,907
Value of total corrective distributions	2019-12-31	$35,907
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$925,705
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$925,705
Value of total assets at end of year	2019-12-31	$7,915,256
Value of total assets at end of year	2019-12-31	$7,915,256
Value of total assets at beginning of year	2019-12-31	$6,600,831
Value of total assets at beginning of year	2019-12-31	$6,600,831
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-12-31	$35,405
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-12-31	$35,405
Total interest from all sources	2019-12-31	$0
Total interest from all sources	2019-12-31	$0
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$202,427
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$202,427
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2019-12-31	No
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	$202,427
Total dividends received from registered investment company shares (eg mutual funds)	2019-12-31	$202,427
Was this plan covered by a fidelity bond	2019-12-31	Yes
Was this plan covered by a fidelity bond	2019-12-31	Yes
Value of fidelity bond cover	2019-12-31	$500,000
Value of fidelity bond cover	2019-12-31	$500,000
If this is an individual account plan, was there a blackout period	2019-12-31	No
If this is an individual account plan, was there a blackout period	2019-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2019-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2019-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2019-12-31	No
Contributions received from participants	2019-12-31	$765,890
Contributions received from participants	2019-12-31	$765,890
Income. Received or receivable in cash from other sources (including rollovers)	2019-12-31	$27,056
Income. Received or receivable in cash from other sources (including rollovers)	2019-12-31	$27,056
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2019-12-31	$36,578
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2019-12-31	$36,578
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2019-12-31	$671
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2019-12-31	$671
Administrative expenses (other) incurred	2019-12-31	$35,405
Administrative expenses (other) incurred	2019-12-31	$35,405
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
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	$1,278,518
Value of net income/loss	2019-12-31	$1,278,518
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$7,878,678
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$7,878,678
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$6,600,160
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$6,600,160
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2019-12-31	No
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 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
Were any leases to which the plan was party in default or uncollectible	2019-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2019-12-31	$7,691,128
Value of interest in registered invesment companies (eg mutual funds) at end of year	2019-12-31	$7,691,128
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2019-12-31	$6,443,715
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2019-12-31	$6,443,715
Value of interest in common/collective trusts at end of year	2019-12-31	$223,166
Value of interest in common/collective trusts at end of year	2019-12-31	$223,166
Value of interest in common/collective trusts at beginning of year	2019-12-31	$156,626
Value of interest in common/collective trusts at beginning of year	2019-12-31	$156,626
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2019-12-31	$962
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2019-12-31	$962
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2019-12-31	$490
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2019-12-31	$490
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2019-12-31	$490
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2019-12-31	$490
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2019-12-31	$1,304,128
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2019-12-31	$1,304,128
Net investment gain or loss from common/collective trusts	2019-12-31	$5,818
Net investment gain or loss from common/collective trusts	2019-12-31	$5,818
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2019-12-31	No
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2019-12-31	No
Was there a failure to transmit to the plan any participant contributions	2019-12-31	No
Was there a failure to transmit to the plan any participant contributions	2019-12-31	No
Has the plan failed to provide any benefit when due under the plan	2019-12-31	No
Has the plan failed to provide any benefit when due under the plan	2019-12-31	No
Contributions received in cash from employer	2019-12-31	$132,759
Contributions received in cash from employer	2019-12-31	$132,759
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-12-31	$1,088,248
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-12-31	$1,088,248
Did the plan have assets held for investment	2019-12-31	Yes
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
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
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
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
Opinion of an independent qualified public accountant for this plan	2019-12-31	Disclaimer
Accountancy firm name	2019-12-31	LAWRENCE CUMPSTON & ASSOCIATES PLLP
Accountancy firm name	2019-12-31	LAWRENCE CUMPSTON & ASSOCIATES PLLP
Accountancy firm EIN	2019-12-31	411859614
Accountancy firm EIN	2019-12-31	411859614
2018 : BAY & BAY RETIREMENT PLAN 2018 401k financial data
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$671
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$25,661
Total income from all sources (including contributions)	2018-12-31	$-8,570
Total of all expenses incurred	2018-12-31	$793,347
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2018-12-31	$743,279
Value of total corrective distributions	2018-12-31	$671
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2018-12-31	$578,247
Value of total assets at end of year	2018-12-31	$6,600,831
Value of total assets at beginning of year	2018-12-31	$7,427,738
Total of administrative expenses incurred including professional, contract, advisory and management fees	2018-12-31	$49,397
Total dividends received (eg from common stock, registered investment company shares)	2018-12-31	$534,279
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	$534,279
Was this plan covered by a fidelity bond	2018-12-31	Yes
Value of fidelity bond cover	2018-12-31	$500,000
If this is an individual account plan, was there a blackout period	2018-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2018-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2018-12-31	No
Contributions received from participants	2018-12-31	$574,477
Income. Received or receivable in cash from other sources (including rollovers)	2018-12-31	$3,770
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2018-12-31	$671
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2018-12-31	$25,661
Administrative expenses (other) incurred	2018-12-31	$49,397
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	$-801,917
Value of net assets at end of year (total assets less liabilities)	2018-12-31	$6,600,160
Value of net assets at beginning of year (total assets less liabilities)	2018-12-31	$7,402,077
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2018-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2018-12-31	No
Were any leases to which the plan was party in default or uncollectible	2018-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2018-12-31	$6,443,715
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2018-12-31	$7,217,275
Value of interest in common/collective trusts at end of year	2018-12-31	$156,626
Value of interest in common/collective trusts at beginning of year	2018-12-31	$197,337
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2018-12-31	$490
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2018-12-31	$13,126
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2018-12-31	$13,126
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2018-12-31	$-1,125,601
Net investment gain or loss from common/collective trusts	2018-12-31	$4,505
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
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2018-12-31	$743,279
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	LAWRENCE CUMPSTON & ASSOCIATES PLLP
Accountancy firm EIN	2018-12-31	411859614
2017 : BAY & BAY RETIREMENT PLAN 2017 401k financial data
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$25,661
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$17,720
Total income from all sources (including contributions)	2017-12-31	$1,823,503
Total of all expenses incurred	2017-12-31	$1,273,100
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2017-12-31	$1,185,287
Value of total corrective distributions	2017-12-31	$34,442
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2017-12-31	$613,291
Value of total assets at end of year	2017-12-31	$7,427,738
Value of total assets at beginning of year	2017-12-31	$6,869,394
Total of administrative expenses incurred including professional, contract, advisory and management fees	2017-12-31	$53,371
Total dividends received (eg from common stock, registered investment company shares)	2017-12-31	$444,262
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	$444,262
Was this plan covered by a fidelity bond	2017-12-31	Yes
Value of fidelity bond cover	2017-12-31	$500,000
If this is an individual account plan, was there a blackout period	2017-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2017-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2017-12-31	No
Contributions received from participants	2017-12-31	$607,658
Income. Received or receivable in cash from other sources (including rollovers)	2017-12-31	$5,633
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2017-12-31	$25,661
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2017-12-31	$17,720
Administrative expenses (other) incurred	2017-12-31	$53,371
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	$550,403
Value of net assets at end of year (total assets less liabilities)	2017-12-31	$7,402,077
Value of net assets at beginning of year (total assets less liabilities)	2017-12-31	$6,851,674
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2017-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2017-12-31	No
Were any leases to which the plan was party in default or uncollectible	2017-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2017-12-31	$7,217,275
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2017-12-31	$6,641,881
Value of interest in common/collective trusts at end of year	2017-12-31	$197,337
Value of interest in common/collective trusts at beginning of year	2017-12-31	$226,480
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2017-12-31	$13,126
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2017-12-31	$1,033
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2017-12-31	$1,033
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2017-12-31	$761,254
Net investment gain or loss from common/collective trusts	2017-12-31	$4,696
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
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2017-12-31	$1,185,287
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	LAWRENCE CUMPSTON & ASSOCIATES PLLP
Accountancy firm EIN	2017-12-31	411859614
2016 : BAY & BAY RETIREMENT PLAN 2016 401k financial data
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$17,720
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$22,770
Total income from all sources (including contributions)	2016-12-31	$1,264,483
Total of all expenses incurred	2016-12-31	$1,209,426
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2016-12-31	$1,169,186
Value of total corrective distributions	2016-12-31	$18,787
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2016-12-31	$882,679
Value of total assets at end of year	2016-12-31	$6,869,394
Value of total assets at beginning of year	2016-12-31	$6,819,387
Total of administrative expenses incurred including professional, contract, advisory and management fees	2016-12-31	$21,453
Total dividends received (eg from common stock, registered investment company shares)	2016-12-31	$101,828
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	$101,828
Administrative expenses professional fees incurred	2016-12-31	$21,453
Was this plan covered by a fidelity bond	2016-12-31	Yes
Value of fidelity bond cover	2016-12-31	$500,000
If this is an individual account plan, was there a blackout period	2016-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2016-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2016-12-31	No
Contributions received from participants	2016-12-31	$779,441
Income. Received or receivable in cash from other sources (including rollovers)	2016-12-31	$16,598
Expenses. Other payments made (not to insurance carriers or or participants/beneficiaries)	2016-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2016-12-31	$17,720
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2016-12-31	$22,770
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	$55,057
Value of net assets at end of year (total assets less liabilities)	2016-12-31	$6,851,674
Value of net assets at beginning of year (total assets less liabilities)	2016-12-31	$6,796,617
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2016-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2016-12-31	No
Were any leases to which the plan was party in default or uncollectible	2016-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2016-12-31	$6,641,881
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2016-12-31	$2,123,679
Value of interest in common/collective trusts at end of year	2016-12-31	$226,480
Value of interest in common/collective trusts at beginning of year	2016-12-31	$4,673,910
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2016-12-31	$1,033
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2016-12-31	$21,798
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2016-12-31	$21,798
Expenses. Payments to insurance carriers foe the provision of benefits	2016-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2016-12-31	$277,447
Net investment gain or loss from common/collective trusts	2016-12-31	$2,529
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	Yes
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	$86,640
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2016-12-31	$1,169,186
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	LAWRENCE CUMPSTON & ASSOCIATES PLLP
Accountancy firm EIN	2016-12-31	411859614
2015 : BAY & BAY RETIREMENT PLAN 2015 401k financial data
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$22,770
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$7,436
Total income from all sources (including contributions)	2015-12-31	$1,071,302
Total of all expenses incurred	2015-12-31	$768,432
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$708,036
Value of total corrective distributions	2015-12-31	$22,770
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$1,112,923
Value of total assets at end of year	2015-12-31	$6,819,387
Value of total assets at beginning of year	2015-12-31	$6,501,183
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$37,626
Total dividends received (eg from common stock, registered investment company shares)	2015-12-31	$143,639
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	$143,639
Was this plan covered by a fidelity bond	2015-12-31	Yes
Value of fidelity bond cover	2015-12-31	$500,000
If this is an individual account plan, was there a blackout period	2015-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2015-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2015-12-31	No
Contributions received from participants	2015-12-31	$833,912
Income. Received or receivable in cash from other sources (including rollovers)	2015-12-31	$132,601
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2015-12-31	$22,770
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2015-12-31	$7,436
Administrative expenses (other) incurred	2015-12-31	$37,626
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	$302,870
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$6,796,617
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$6,493,747
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2015-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2015-12-31	No
Were any leases to which the plan was party in default or uncollectible	2015-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2015-12-31	$2,123,679
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2015-12-31	$2,080,640
Value of interest in common/collective trusts at end of year	2015-12-31	$4,673,910
Value of interest in common/collective trusts at beginning of year	2015-12-31	$4,415,101
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2015-12-31	$21,798
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2015-12-31	$5,442
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2015-12-31	$5,442
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2015-12-31	$-142,759
Net investment gain or loss from common/collective trusts	2015-12-31	$-42,501
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	$146,410
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$708,036
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	LAWRENCE CUMPSTON & ASSOCIATES PLLP
Accountancy firm EIN	2015-12-31	411859614

Form 5500 Responses for BAY & BAY RETIREMENT PLAN

2022: BAY & BAY RETIREMENT PLAN 2022 form 5500 responses
2022-01-01	Type of plan entity	Single employer plan
2022-01-01	Submission has been amended	No
2022-01-01	This submission is the final filing	No
2022-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2022-01-01	Plan is a collectively bargained plan	No
2022-01-01	Plan funding arrangement – Trust	Yes
2022-01-01	Plan benefit arrangement - Trust	Yes
2021: BAY & BAY RETIREMENT PLAN 2021 form 5500 responses
2021-01-01	Type of plan entity	Single employer plan
2021-01-01	Submission has been amended	No
2021-01-01	This submission is the final filing	No
2021-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2021-01-01	Plan is a collectively bargained plan	No
2021-01-01	Plan funding arrangement – Trust	Yes
2021-01-01	Plan benefit arrangement - Trust	Yes
2020: BAY & BAY RETIREMENT PLAN 2020 form 5500 responses
2020-01-01	Type of plan entity	Single employer plan
2020-01-01	Submission has been amended	No
2020-01-01	This submission is the final filing	No
2020-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2020-01-01	Plan is a collectively bargained plan	No
2020-01-01	Plan funding arrangement – Trust	Yes
2020-01-01	Plan benefit arrangement - Trust	Yes
2019: BAY & BAY RETIREMENT PLAN 2019 form 5500 responses
2019-01-01	Type of plan entity	Single employer plan
2019-01-01	Submission has been amended	No
2019-01-01	This submission is the final filing	No
2019-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2019-01-01	Plan is a collectively bargained plan	No
2019-01-01	Plan funding arrangement – Trust	Yes
2019-01-01	Plan benefit arrangement - Trust	Yes
2018: BAY & BAY RETIREMENT PLAN 2018 form 5500 responses
2018-01-01	Type of plan entity	Single employer plan
2018-01-01	Submission has been amended	No
2018-01-01	This submission is the final filing	No
2018-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2018-01-01	Plan is a collectively bargained plan	No
2018-01-01	Plan funding arrangement – Trust	Yes
2018-01-01	Plan benefit arrangement - Trust	Yes
2017: BAY & BAY RETIREMENT PLAN 2017 form 5500 responses
2017-01-01	Type of plan entity	Single employer plan
2017-01-01	Submission has been amended	No
2017-01-01	This submission is the final filing	No
2017-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2017-01-01	Plan is a collectively bargained plan	No
2017-01-01	Plan funding arrangement – Trust	Yes
2017-01-01	Plan benefit arrangement - Trust	Yes
2016: BAY & BAY RETIREMENT PLAN 2016 form 5500 responses
2016-01-01	Type of plan entity	Single employer plan
2016-01-01	Submission has been amended	No
2016-01-01	This submission is the final filing	No
2016-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2016-01-01	Plan is a collectively bargained plan	No
2016-01-01	Plan funding arrangement – Trust	Yes
2016-01-01	Plan benefit arrangement - Trust	Yes
2015: BAY & BAY RETIREMENT PLAN 2015 form 5500 responses
2015-01-01	Type of plan entity	Single employer plan
2015-01-01	Submission has been amended	No
2015-01-01	This submission is the final filing	No
2015-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2015-01-01	Plan is a collectively bargained plan	No
2015-01-01	Plan funding arrangement – Trust	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes

Potentially related plans

BAY & BAY RETIREMENT PLAN [EIN = 411436855]

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Company Name:	BAY & BAY TRANSFER CO., INC.
Employer identification number (EIN):	410141842
NAIC Classification:	811190