401k Plan data: THE BERNARD GROUP 401(K) PLAN plan

THE BERNARD GROUP 401(K) PLAN 401k Plan overview

Plan Name	THE BERNARD GROUP 401(K) PLAN
Plan identification number	001

THE BERNARD GROUP 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.
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.

401k Sponsoring company profile

THE BERNARD GROUP has sponsored the creation of one or more 401k plans.

Company Name: THE BERNARD GROUP

Employer identification number (EIN): 411944077

NAIC Classification: 541400

Additional information about THE BERNARD GROUP

Jurisdiction of Incorporation: Texas Secretary of State

Incorporation Date: 2012-06-13

Company Identification Number: 0801610675

Legal Registered Office Address: 9900 SPECTRUM DR. AUSTIN

United States of America (USA)
78717

More information about THE BERNARD GROUP

Form 5500 Filing Information

Submission information for form 5500 for 401k plan THE BERNARD GROUP 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 2019-01-01
001 2018-01-01
001 2017-01-01 BRADLEY GUNDERSON BRADLEY GUNDERSON 2018-10-09
001 2016-01-01 JOHN SCHMANSKI
001 2015-01-01 BRAD GUNDERSON
001 2014-01-01 BRAD GUNDERSON
001 2013-01-01 BRAD GUNDERSON 2014-09-30
001 2012-01-01 LIESL BECK 2013-09-19
001 2011-01-01 LIESL BECK 2012-06-12
001 2010-01-01 LIESL BECK 2011-06-20

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	BRADLEY GUNDERSON		BRADLEY GUNDERSON	2018-10-09
001	2016-01-01	JOHN SCHMANSKI
001	2015-01-01	BRAD GUNDERSON
001	2014-01-01	BRAD GUNDERSON
001	2013-01-01	BRAD GUNDERSON	2014-09-30
001	2012-01-01	LIESL BECK	2013-09-19
001	2011-01-01	LIESL BECK	2012-06-12
001	2010-01-01	LIESL BECK	2011-06-20

Plan Statistics for THE BERNARD GROUP 401(K) PLAN

401k plan membership statisitcs for THE BERNARD GROUP 401(K) PLAN

Measure Date Value
2022: THE BERNARD GROUP 401(K) PLAN 2022 401k membership
Total participants, beginning-of-year 2022-01-01 834
Total number of active participants reported on line 7a of the Form 5500 2022-01-01 823
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 93
Total of all active and inactive participants 2022-01-01 916
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2022-01-01 2
Total participants 2022-01-01 918
Number of participants with account balances 2022-01-01 632
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2022-01-01 0
2021: THE BERNARD GROUP 401(K) PLAN 2021 401k membership
Total participants, beginning-of-year 2021-01-01 1,037
Total number of active participants reported on line 7a of the Form 5500 2021-01-01 1,015
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 82
Total of all active and inactive participants 2021-01-01 1,097
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2021-01-01 0
Total participants 2021-01-01 1,097
Number of participants with account balances 2021-01-01 575
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2021-01-01 0
2020: THE BERNARD GROUP 401(K) PLAN 2020 401k membership
Total participants, beginning-of-year 2020-01-01 731
Total number of active participants reported on line 7a of the Form 5500 2020-01-01 671
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 89
Total of all active and inactive participants 2020-01-01 760
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2020-01-01 0
Total participants 2020-01-01 760
Number of participants with account balances 2020-01-01 534
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2020-01-01 0
2019: THE BERNARD GROUP 401(K) PLAN 2019 401k membership
Total participants, beginning-of-year 2019-01-01 705
Total number of active participants reported on line 7a of the Form 5500 2019-01-01 652
Number of other retired or separated participants entitled to future benefits 2019-01-01 79
Total of all active and inactive participants 2019-01-01 731
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2019-01-01 0
Total participants 2019-01-01 731
Number of participants with account balances 2019-01-01 498
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2019-01-01 0
2018: THE BERNARD GROUP 401(K) PLAN 2018 401k membership
Total participants, beginning-of-year 2018-01-01 678
Total number of active participants reported on line 7a of the Form 5500 2018-01-01 635
Number of retired or separated participants receiving benefits 2018-01-01 0
Number of other retired or separated participants entitled to future benefits 2018-01-01 67
Total of all active and inactive participants 2018-01-01 702
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2018-01-01 0
Total participants 2018-01-01 702
Number of participants with account balances 2018-01-01 447
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-01-01 0
2017: THE BERNARD GROUP 401(K) PLAN 2017 401k membership
Total participants, beginning-of-year 2017-01-01 594
Total number of active participants reported on line 7a of the Form 5500 2017-01-01 630
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 48
Total of all active and inactive participants 2017-01-01 678
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2017-01-01 0
Total participants 2017-01-01 678
Number of participants with account balances 2017-01-01 404
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-01-01 0
2016: THE BERNARD GROUP 401(K) PLAN 2016 401k membership
Total participants, beginning-of-year 2016-01-01 392
Total number of active participants reported on line 7a of the Form 5500 2016-01-01 540
Number of retired or separated participants receiving benefits 2016-01-01 0
Number of other retired or separated participants entitled to future benefits 2016-01-01 51
Total of all active and inactive participants 2016-01-01 591
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2016-01-01 0
Total participants 2016-01-01 591
Number of participants with account balances 2016-01-01 334
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2016-01-01 0
2015: THE BERNARD GROUP 401(K) PLAN 2015 401k membership
Total participants, beginning-of-year 2015-01-01 244
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 285
Number of retired or separated participants receiving benefits 2015-01-01 7
Number of other retired or separated participants entitled to future benefits 2015-01-01 31
Total of all active and inactive participants 2015-01-01 323
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 0
Total participants 2015-01-01 323
Number of participants with account balances 2015-01-01 236
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 0
2014: THE BERNARD GROUP 401(K) PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 183
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 196
Number of retired or separated participants receiving benefits 2014-01-01 5
Number of other retired or separated participants entitled to future benefits 2014-01-01 15
Total of all active and inactive participants 2014-01-01 216
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 216
Number of participants with account balances 2014-01-01 178
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 0

Measure	Date	Value
2022: THE BERNARD GROUP 401(K) PLAN 2022 401k membership
Total participants, beginning-of-year	2022-01-01	834
Total number of active participants reported on line 7a of the Form 5500	2022-01-01	823
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	93
Total of all active and inactive participants	2022-01-01	916
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2022-01-01	2
Total participants	2022-01-01	918
Number of participants with account balances	2022-01-01	632
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2022-01-01	0
2021: THE BERNARD GROUP 401(K) PLAN 2021 401k membership
Total participants, beginning-of-year	2021-01-01	1,037
Total number of active participants reported on line 7a of the Form 5500	2021-01-01	1,015
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	82
Total of all active and inactive participants	2021-01-01	1,097
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2021-01-01	0
Total participants	2021-01-01	1,097
Number of participants with account balances	2021-01-01	575
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2021-01-01	0
2020: THE BERNARD GROUP 401(K) PLAN 2020 401k membership
Total participants, beginning-of-year	2020-01-01	731
Total number of active participants reported on line 7a of the Form 5500	2020-01-01	671
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	89
Total of all active and inactive participants	2020-01-01	760
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2020-01-01	0
Total participants	2020-01-01	760
Number of participants with account balances	2020-01-01	534
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2020-01-01	0
2019: THE BERNARD GROUP 401(K) PLAN 2019 401k membership
Total participants, beginning-of-year	2019-01-01	705
Total number of active participants reported on line 7a of the Form 5500	2019-01-01	652
Number of other retired or separated participants entitled to future benefits	2019-01-01	79
Total of all active and inactive participants	2019-01-01	731
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2019-01-01	0
Total participants	2019-01-01	731
Number of participants with account balances	2019-01-01	498
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2019-01-01	0
2018: THE BERNARD GROUP 401(K) PLAN 2018 401k membership
Total participants, beginning-of-year	2018-01-01	678
Total number of active participants reported on line 7a of the Form 5500	2018-01-01	635
Number of retired or separated participants receiving benefits	2018-01-01	0
Number of other retired or separated participants entitled to future benefits	2018-01-01	67
Total of all active and inactive participants	2018-01-01	702
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2018-01-01	0
Total participants	2018-01-01	702
Number of participants with account balances	2018-01-01	447
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-01-01	0
2017: THE BERNARD GROUP 401(K) PLAN 2017 401k membership
Total participants, beginning-of-year	2017-01-01	594
Total number of active participants reported on line 7a of the Form 5500	2017-01-01	630
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	48
Total of all active and inactive participants	2017-01-01	678
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2017-01-01	0
Total participants	2017-01-01	678
Number of participants with account balances	2017-01-01	404
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-01-01	0
2016: THE BERNARD GROUP 401(K) PLAN 2016 401k membership
Total participants, beginning-of-year	2016-01-01	392
Total number of active participants reported on line 7a of the Form 5500	2016-01-01	540
Number of retired or separated participants receiving benefits	2016-01-01	0
Number of other retired or separated participants entitled to future benefits	2016-01-01	51
Total of all active and inactive participants	2016-01-01	591
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2016-01-01	0
Total participants	2016-01-01	591
Number of participants with account balances	2016-01-01	334
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2016-01-01	0
2015: THE BERNARD GROUP 401(K) PLAN 2015 401k membership
Total participants, beginning-of-year	2015-01-01	244
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	285
Number of retired or separated participants receiving benefits	2015-01-01	7
Number of other retired or separated participants entitled to future benefits	2015-01-01	31
Total of all active and inactive participants	2015-01-01	323
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	0
Total participants	2015-01-01	323
Number of participants with account balances	2015-01-01	236
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	0
2014: THE BERNARD GROUP 401(K) PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	183
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	196
Number of retired or separated participants receiving benefits	2014-01-01	5
Number of other retired or separated participants entitled to future benefits	2014-01-01	15
Total of all active and inactive participants	2014-01-01	216
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	216
Number of participants with account balances	2014-01-01	178
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	0

Financial Data on THE BERNARD GROUP 401(K) PLAN

Measure	Date	Value
2022 : THE BERNARD GROUP 401(K) 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	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-12-31	$0
Total income from all sources (including contributions)	2022-12-31	$76,339
Total loss/gain on sale of assets	2022-12-31	$0
Total of all expenses incurred	2022-12-31	$2,631,297
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2022-12-31	$2,541,904
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2022-12-31	$6,736,514
Value of total assets at end of year	2022-12-31	$35,470,474
Value of total assets at beginning of year	2022-12-31	$38,025,432
Total of administrative expenses incurred including professional, contract, advisory and management fees	2022-12-31	$89,393
Total interest from all sources	2022-12-31	$19,528
Total dividends received (eg from common stock, registered investment company shares)	2022-12-31	$83,896
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	$83,896
Was this plan covered by a fidelity bond	2022-12-31	Yes
Value of fidelity bond cover	2022-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2022-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2022-12-31	No
Contributions received from participants	2022-12-31	$3,971,215
Participant contributions at end of year	2022-12-31	$406,164
Participant contributions at beginning of year	2022-12-31	$419,933
Participant contributions at end of year	2022-12-31	$133,897
Assets. Other investments not covered elsewhere at end of year	2022-12-31	$141,947
Assets. Other investments not covered elsewhere at beginning of year	2022-12-31	$85,377
Income. Received or receivable in cash from other sources (including rollovers)	2022-12-31	$919,053
Other income not declared elsewhere	2022-12-31	$-17,738
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	$-2,554,958
Value of net assets at end of year (total assets less liabilities)	2022-12-31	$35,470,474
Value of net assets at beginning of year (total assets less liabilities)	2022-12-31	$38,025,432
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	$3,981,008
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2022-12-31	$3,384,473
Value of interest in pooled separate accounts at end of year	2022-12-31	$40,306
Value of interest in pooled separate accounts at beginning of year	2022-12-31	$32,265
Interest on participant loans	2022-12-31	$19,528
Value of interest in common/collective trusts at end of year	2022-12-31	$30,705,600
Value of interest in common/collective trusts at beginning of year	2022-12-31	$34,103,384
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2022-12-31	$-793,300
Net investment gain/loss from pooled separate accounts	2022-12-31	$-9,069
Net investment gain or loss from common/collective trusts	2022-12-31	$-5,943,492
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	No
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	$1,846,246
Employer contributions (assets) at end of year	2022-12-31	$61,552
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2022-12-31	$2,541,904
Contract administrator fees	2022-12-31	$89,393
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	CLIFTONLARSONALLEN LLP
Accountancy firm EIN	2022-12-31	410746749
2021 : THE BERNARD GROUP 401(K) 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	$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	$11,353,895
Total loss/gain on sale of assets	2021-12-31	$0
Total of all expenses incurred	2021-12-31	$3,015,052
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2021-12-31	$2,948,136
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2021-12-31	$6,491,950
Value of total assets at end of year	2021-12-31	$38,025,432
Value of total assets at beginning of year	2021-12-31	$29,686,589
Total of administrative expenses incurred including professional, contract, advisory and management fees	2021-12-31	$66,916
Total interest from all sources	2021-12-31	$23,007
Total dividends received (eg from common stock, registered investment company shares)	2021-12-31	$51,246
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	$51,246
Was this plan covered by a fidelity bond	2021-12-31	Yes
Value of fidelity bond cover	2021-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2021-12-31	Yes
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	$3,494,930
Participant contributions at end of year	2021-12-31	$419,933
Participant contributions at beginning of year	2021-12-31	$510,412
Assets. Other investments not covered elsewhere at end of year	2021-12-31	$85,377
Income. Received or receivable in cash from other sources (including rollovers)	2021-12-31	$1,446,055
Other income not declared elsewhere	2021-12-31	$-174
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	$8,338,843
Value of net assets at end of year (total assets less liabilities)	2021-12-31	$38,025,432
Value of net assets at beginning of year (total assets less liabilities)	2021-12-31	$29,686,589
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	$3,384,473
Value of interest in pooled separate accounts at end of year	2021-12-31	$32,265
Value of interest in pooled separate accounts at beginning of year	2021-12-31	$25,435,296
Interest on participant loans	2021-12-31	$23,007
Value of interest in common/collective trusts at end of year	2021-12-31	$34,103,384
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2021-12-31	$3,740,881
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2021-12-31	$210,585
Net investment gain/loss from pooled separate accounts	2021-12-31	$2,358,931
Net investment gain or loss from common/collective trusts	2021-12-31	$2,218,350
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	$1,550,965
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2021-12-31	$2,948,136
Contract administrator fees	2021-12-31	$66,916
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	2021-12-31	Yes
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	CLIFTONLARSONALLEN, LLP
Accountancy firm EIN	2021-12-31	410746749
2020 : THE BERNARD GROUP 401(K) 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	$0
Total income from all sources (including contributions)	2020-12-31	$8,637,456
Total loss/gain on sale of assets	2020-12-31	$0
Total of all expenses incurred	2020-12-31	$1,989,816
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2020-12-31	$1,983,469
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2020-12-31	$4,658,782
Value of total assets at end of year	2020-12-31	$29,686,589
Value of total assets at beginning of year	2020-12-31	$23,038,949
Total of administrative expenses incurred including professional, contract, advisory and management fees	2020-12-31	$6,347
Total interest from all sources	2020-12-31	$84,441
Total dividends received (eg from common stock, registered investment company shares)	2020-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2020-12-31	No
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	$2,956,245
Participant contributions at end of year	2020-12-31	$510,412
Participant contributions at beginning of year	2020-12-31	$493,054
Income. Received or receivable in cash from other sources (including rollovers)	2020-12-31	$395,793
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	$6,647,640
Value of net assets at end of year (total assets less liabilities)	2020-12-31	$29,686,589
Value of net assets at beginning of year (total assets less liabilities)	2020-12-31	$23,038,949
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 pooled separate accounts at end of year	2020-12-31	$25,435,296
Value of interest in pooled separate accounts at beginning of year	2020-12-31	$19,520,130
Interest on participant loans	2020-12-31	$29,433
Interest earned on other investments	2020-12-31	$55,008
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2020-12-31	$3,740,881
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2020-12-31	$3,025,765
Net investment gain/loss from pooled separate accounts	2020-12-31	$3,894,233
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	$1,306,744
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2020-12-31	$1,983,469
Contract administrator fees	2020-12-31	$6,347
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	CLIFTONLARSONALLEN LLP
Accountancy firm EIN	2020-12-31	410746749
2019 : THE BERNARD GROUP 401(K) PLAN 2019 401k financial data
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	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total income from all sources (including contributions)	2019-12-31	$8,076,753
Total loss/gain on sale of assets	2019-12-31	$0
Total of all expenses incurred	2019-12-31	$807,204
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$803,199
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$4,350,793
Value of total assets at end of year	2019-12-31	$23,038,949
Value of total assets at beginning of year	2019-12-31	$15,769,400
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-12-31	$4,005
Total interest from all sources	2019-12-31	$75,296
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$0
Was this plan covered by a fidelity bond	2019-12-31	Yes
Value of fidelity bond cover	2019-12-31	$250,000
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
Contributions received from participants	2019-12-31	$2,756,487
Participant contributions at end of year	2019-12-31	$493,054
Participant contributions at beginning of year	2019-12-31	$334,438
Income. Received or receivable in cash from other sources (including rollovers)	2019-12-31	$299,312
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	$7,269,549
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$23,038,949
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$15,769,400
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
Value of interest in pooled separate accounts at end of year	2019-12-31	$19,520,130
Value of interest in pooled separate accounts at beginning of year	2019-12-31	$12,971,386
Interest on participant loans	2019-12-31	$25,021
Interest earned on other investments	2019-12-31	$50,275
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2019-12-31	$3,025,765
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2019-12-31	$2,463,576
Net investment gain/loss from pooled separate accounts	2019-12-31	$3,650,664
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
Contributions received in cash from employer	2019-12-31	$1,294,994
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-12-31	$803,199
Contract administrator fees	2019-12-31	$4,005
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	CLIFTONLARSONALLEN LLP
Accountancy firm EIN	2019-12-31	410746749
2018 : THE BERNARD GROUP 401(K) PLAN 2018 401k financial data
Total unrealized appreciation/depreciation of assets	2018-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$0
Total income from all sources (including contributions)	2018-12-31	$2,831,800
Total loss/gain on sale of assets	2018-12-31	$0
Total of all expenses incurred	2018-12-31	$788,092
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2018-12-31	$785,087
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2018-12-31	$4,024,011
Value of total assets at end of year	2018-12-31	$15,769,400
Value of total assets at beginning of year	2018-12-31	$13,725,692
Total of administrative expenses incurred including professional, contract, advisory and management fees	2018-12-31	$3,005
Total interest from all sources	2018-12-31	$43,443
Total dividends received (eg from common stock, registered investment company shares)	2018-12-31	$0
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	$2,339,378
Participant contributions at end of year	2018-12-31	$334,438
Participant contributions at beginning of year	2018-12-31	$312,961
Income. Received or receivable in cash from other sources (including rollovers)	2018-12-31	$589,631
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	$2,043,708
Value of net assets at end of year (total assets less liabilities)	2018-12-31	$15,769,400
Value of net assets at beginning of year (total assets less liabilities)	2018-12-31	$13,725,692
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 pooled separate accounts at end of year	2018-12-31	$12,971,386
Value of interest in pooled separate accounts at beginning of year	2018-12-31	$11,833,081
Interest on participant loans	2018-12-31	$16,783
Interest earned on other investments	2018-12-31	$26,660
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2018-12-31	$2,463,576
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2018-12-31	$1,579,650
Net investment gain/loss from pooled separate accounts	2018-12-31	$-1,235,654
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	Yes
Has the plan failed to provide any benefit when due under the plan	2018-12-31	No
Contributions received in cash from employer	2018-12-31	$1,095,002
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2018-12-31	$785,087
Contract administrator fees	2018-12-31	$3,005
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	CLIFTONLARSONALLEN LLP
Accountancy firm EIN	2018-12-31	410746749
2017 : THE BERNARD GROUP 401(K) PLAN 2017 401k financial data
Total unrealized appreciation/depreciation of assets	2017-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$0
Total income from all sources (including contributions)	2017-12-31	$5,457,496
Total loss/gain on sale of assets	2017-12-31	$0
Total of all expenses incurred	2017-12-31	$300,039
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2017-12-31	$297,037
Value of total corrective distributions	2017-12-31	$874
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2017-12-31	$3,790,162
Value of total assets at end of year	2017-12-31	$13,725,692
Value of total assets at beginning of year	2017-12-31	$8,568,235
Total of administrative expenses incurred including professional, contract, advisory and management fees	2017-12-31	$2,128
Total interest from all sources	2017-12-31	$27,175
Total dividends received (eg from common stock, registered investment company shares)	2017-12-31	$0
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	$2,060,186
Participant contributions at end of year	2017-12-31	$312,961
Participant contributions at beginning of year	2017-12-31	$185,509
Participant contributions at beginning of year	2017-12-31	$0
Assets. Other investments not covered elsewhere at beginning of year	2017-12-31	$0
Income. Received or receivable in cash from other sources (including rollovers)	2017-12-31	$791,101
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	$5,157,457
Value of net assets at end of year (total assets less liabilities)	2017-12-31	$13,725,692
Value of net assets at beginning of year (total assets less liabilities)	2017-12-31	$8,568,235
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 pooled separate accounts at end of year	2017-12-31	$11,833,081
Value of interest in pooled separate accounts at beginning of year	2017-12-31	$6,731,593
Interest on participant loans	2017-12-31	$11,033
Interest earned on other investments	2017-12-31	$16,142
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2017-12-31	$1,579,650
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2017-12-31	$1,651,133
Net investment gain/loss from pooled separate accounts	2017-12-31	$1,640,159
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
Contributions received in cash from employer	2017-12-31	$938,875
Employer contributions (assets) at beginning of year	2017-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2017-12-31	$297,037
Contract administrator fees	2017-12-31	$2,128
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	CLIFTON LARSON ALLEN
Accountancy firm EIN	2017-12-31	410746749
2016 : THE BERNARD GROUP 401(K) PLAN 2016 401k financial data
Total unrealized appreciation/depreciation of assets	2016-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
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	$3,102,705
Total loss/gain on sale of assets	2016-12-31	$0
Total of all expenses incurred	2016-12-31	$212,639
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2016-12-31	$206,958
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2016-12-31	$2,509,242
Value of total assets at end of year	2016-12-31	$8,568,235
Value of total assets at beginning of year	2016-12-31	$5,678,169
Total of administrative expenses incurred including professional, contract, advisory and management fees	2016-12-31	$5,681
Total interest from all sources	2016-12-31	$21,628
Total dividends received (eg from common stock, registered investment company shares)	2016-12-31	$0
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	$1,430,154
Participant contributions at end of year	2016-12-31	$185,509
Participant contributions at beginning of year	2016-12-31	$125,360
Participant contributions at end of year	2016-12-31	$0
Participant contributions at beginning of year	2016-12-31	$15,105
Assets. Other investments not covered elsewhere at end of year	2016-12-31	$0
Assets. Other investments not covered elsewhere at beginning of year	2016-12-31	$735,559
Income. Received or receivable in cash from other sources (including rollovers)	2016-12-31	$447,492
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	$2,890,066
Value of net assets at end of year (total assets less liabilities)	2016-12-31	$8,568,235
Value of net assets at beginning of year (total assets less liabilities)	2016-12-31	$5,678,169
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 pooled separate accounts at end of year	2016-12-31	$6,731,593
Value of interest in pooled separate accounts at beginning of year	2016-12-31	$4,245,179
Interest on participant loans	2016-12-31	$7,184
Interest earned on other investments	2016-12-31	$14,444
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2016-12-31	$1,651,133
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2016-12-31	$525,962
Net investment gain/loss from pooled separate accounts	2016-12-31	$571,835
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	$631,596
Employer contributions (assets) at end of year	2016-12-31	$0
Employer contributions (assets) at beginning of year	2016-12-31	$31,004
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2016-12-31	$206,958
Contract administrator fees	2016-12-31	$5,681
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	CLIFTON LARSON ALLEN
Accountancy firm EIN	2016-12-31	410746749
2015 : THE BERNARD GROUP 401(K) PLAN 2015 401k financial data
Total unrealized appreciation/depreciation of assets	2015-12-31	$0
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	$1,325,146
Total loss/gain on sale of assets	2015-12-31	$0
Total of all expenses incurred	2015-12-31	$226,116
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$157,608
Expenses. Certain deemed distributions of participant loans	2015-12-31	$22,218
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$1,422,657
Value of total assets at end of year	2015-12-31	$5,678,169
Value of total assets at beginning of year	2015-12-31	$4,579,139
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$46,290
Total interest from all sources	2015-12-31	$3,825
Total dividends received (eg from common stock, registered investment company shares)	2015-12-31	$32,214
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	$32,214
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	$874,542
Participant contributions at end of year	2015-12-31	$125,360
Participant contributions at beginning of year	2015-12-31	$87,697
Participant contributions at end of year	2015-12-31	$15,105
Participant contributions at beginning of year	2015-12-31	$22,766
Assets. Other investments not covered elsewhere at end of year	2015-12-31	$735,559
Assets. Other investments not covered elsewhere at beginning of year	2015-12-31	$0
Income. Received or receivable in cash from other sources (including rollovers)	2015-12-31	$86,293
Assets. Loans (other than to participants) at end of year	2015-12-31	$0
Assets. Loans (other than to participants) at beginning of year	2015-12-31	$0
Other income not declared elsewhere	2015-12-31	$-32,869
Total non interest bearing cash at end of year	2015-12-31	$0
Total non interest bearing cash at beginning of year	2015-12-31	$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	2015-12-31	No
Value of net income/loss	2015-12-31	$1,099,030
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$5,678,169
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$4,579,139
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	$46,290
Value of interest in registered invesment companies (eg mutual funds) at end of year	2015-12-31	$0
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2015-12-31	$492,466
Value of interest in pooled separate accounts at end of year	2015-12-31	$4,245,179
Value of interest in pooled separate accounts at beginning of year	2015-12-31	$3,311,935
Interest on participant loans	2015-12-31	$3,825
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2015-12-31	$0
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2015-12-31	$47,947
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2015-12-31	$47,947
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2015-12-31	$525,962
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2015-12-31	$461,409
Net investment gain/loss from pooled separate accounts	2015-12-31	$-100,681
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	$461,822
Employer contributions (assets) at end of year	2015-12-31	$31,004
Employer contributions (assets) at beginning of year	2015-12-31	$11,652
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$157,608
Assets. Corporate common stocks other than exployer securities at end of year	2015-12-31	$0
Assets. Corporate common stocks other than exployer securities at beginning of year	2015-12-31	$143,267
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	CLIFTONLARSONALLEN
Accountancy firm EIN	2015-12-31	410746749
2014 : THE BERNARD GROUP 401(K) PLAN 2014 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2014-12-31	$-53,963
Total unrealized appreciation/depreciation of assets	2014-12-31	$-53,963
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$0
Total liabilities at beginning 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	$1,319,702
Total loss/gain on sale of assets	2014-12-31	$59
Total of all expenses incurred	2014-12-31	$93,089
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$58,044
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$1,182,204
Value of total assets at end of year	2014-12-31	$4,579,139
Value of total assets at beginning of year	2014-12-31	$3,352,526
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$35,045
Total interest from all sources	2014-12-31	$5,369
Total dividends received (eg from common stock, registered investment company shares)	2014-12-31	$32,594
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-31	No
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	$642,621
Participant contributions at end of year	2014-12-31	$87,697
Participant contributions at beginning of year	2014-12-31	$90,154
Participant contributions at end of year	2014-12-31	$22,766
Participant contributions at beginning of year	2014-12-31	$20,270
Income. Received or receivable in cash from other sources (including rollovers)	2014-12-31	$187,004
Assets. Loans (other than to participants) at end of year	2014-12-31	$0
Assets. Loans (other than to participants) at beginning of year	2014-12-31	$0
Administrative expenses (other) incurred	2014-12-31	$35,045
Total non interest bearing cash at end of year	2014-12-31	$0
Total non interest bearing cash at beginning 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	$1,226,613
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$4,579,139
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$3,352,526
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	$492,466
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2014-12-31	$344,366
Value of interest in pooled separate accounts at end of year	2014-12-31	$3,311,935
Value of interest in pooled separate accounts at beginning of year	2014-12-31	$2,229,766
Interest on participant loans	2014-12-31	$3,859
Interest earned on other investments	2014-12-31	$1,510
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2014-12-31	$47,947
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2014-12-31	$19,554
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2014-12-31	$19,554
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2014-12-31	$461,409
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2014-12-31	$353,401
Net investment gain/loss from pooled separate accounts	2014-12-31	$153,439
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	$352,579
Employer contributions (assets) at end of year	2014-12-31	$11,652
Employer contributions (assets) at beginning of year	2014-12-31	$11,563
Income. Dividends from common stock	2014-12-31	$32,594
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$58,044
Assets. Corporate common stocks other than exployer securities at end of year	2014-12-31	$143,267
Assets. Corporate common stocks other than exployer securities at beginning of year	2014-12-31	$283,452
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
Aggregate proceeds on sale of assets	2014-12-31	$121,728
Aggregate carrying amount (costs) on sale of assets	2014-12-31	$121,669
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

Form 5500 Responses for THE BERNARD GROUP 401(K) PLAN

2022: THE BERNARD GROUP 401(K) PLAN 2022 form 5500 responses
2022-01-01	Type of plan entity	Single employer plan
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 – Insurance	Yes
2022-01-01	Plan funding arrangement – Trust	Yes
2022-01-01	Plan benefit arrangement – Insurance	Yes
2022-01-01	Plan benefit arrangement - Trust	Yes
2021: THE BERNARD GROUP 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 – Insurance	Yes
2021-01-01	Plan funding arrangement – Trust	Yes
2021-01-01	Plan benefit arrangement – Insurance	Yes
2021-01-01	Plan benefit arrangement - Trust	Yes
2020: THE BERNARD GROUP 401(K) 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 – Insurance	Yes
2020-01-01	Plan funding arrangement – Trust	Yes
2020-01-01	Plan benefit arrangement – Insurance	Yes
2020-01-01	Plan benefit arrangement - Trust	Yes
2019: THE BERNARD GROUP 401(K) 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 – Insurance	Yes
2019-01-01	Plan funding arrangement – Trust	Yes
2019-01-01	Plan benefit arrangement – Insurance	Yes
2019-01-01	Plan benefit arrangement - Trust	Yes
2018: THE BERNARD GROUP 401(K) 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 – Insurance	Yes
2018-01-01	Plan funding arrangement – Trust	Yes
2018-01-01	Plan benefit arrangement – Insurance	Yes
2018-01-01	Plan benefit arrangement - Trust	Yes
2017: THE BERNARD GROUP 401(K) 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 – Insurance	Yes
2017-01-01	Plan funding arrangement – Trust	Yes
2017-01-01	Plan benefit arrangement – Insurance	Yes
2017-01-01	Plan benefit arrangement - Trust	Yes
2016: THE BERNARD GROUP 401(K) 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 – Insurance	Yes
2016-01-01	Plan funding arrangement – Trust	Yes
2016-01-01	Plan benefit arrangement – Insurance	Yes
2016-01-01	Plan benefit arrangement - Trust	Yes
2015: THE BERNARD GROUP 401(K) 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 – Insurance	Yes
2015-01-01	Plan funding arrangement – Trust	Yes
2015-01-01	Plan benefit arrangement – Insurance	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes
2014: THE BERNARD GROUP 401(K) PLAN 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Submission has been amended	No
2014-01-01	This submission is the final filing	No
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 – Insurance	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes

Insurance Providers Used on plan

PRINCIPAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 61271 )

Policy contract number

631076

Policy instance

Insurance contract or identification number	631076
Number of Individuals Covered	918
Insurance policy start date	2022-01-01
Insurance policy end date	2022-12-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $0
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No

PRINCIPAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 61271 )

Policy contract number

631076

Policy instance

Insurance contract or identification number	631076
Number of Individuals Covered	1097
Insurance policy start date	2021-05-01
Insurance policy end date	2021-12-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $0
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No

MINNESOTA LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 66168 )

Policy contract number

068784

Policy instance

Insurance contract or identification number	068784
Number of Individuals Covered	1097
Insurance policy start date	2021-01-01
Insurance policy end date	2021-12-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $0
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
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

MINNESOTA LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 66168 )

Policy contract number

068784

Policy instance

Insurance contract or identification number	068784
Number of Individuals Covered	760
Insurance policy start date	2020-01-01
Insurance policy end date	2020-12-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $0
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $0
Insurance broker organization code?	3

MINNESOTA LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 66168 )

Policy contract number

068784

Policy instance

Insurance contract or identification number	068784
Number of Individuals Covered	731
Insurance policy start date	2019-01-01
Insurance policy end date	2019-12-31
Total amount of commissions paid to insurance broker	USD $22,806
Total amount of fees paid to insurance company	USD $0
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $22,806
Insurance broker organization code?	3

MINNESOTA LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 66168 )

Policy contract number

068784

Policy instance

Insurance contract or identification number	068784
Number of Individuals Covered	702
Insurance policy start date	2018-01-01
Insurance policy end date	2018-12-31
Total amount of commissions paid to insurance broker	USD $46,990
Total amount of fees paid to insurance company	USD $0
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $35,062
Insurance broker organization code?	3

MINNESOTA LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 66168 )

Policy contract number

068784

Policy instance

Insurance contract or identification number	068784
Number of Individuals Covered	678
Insurance policy start date	2017-01-01
Insurance policy end date	2017-12-31
Total amount of commissions paid to insurance broker	USD $56,399
Total amount of fees paid to insurance company	USD $0
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $56,399
Insurance broker organization code?	3
Insurance broker name	AMERIPRISE FINANCIAL SERVICES

TRANSAMERICA LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 86231 )

Policy contract number

998706-000

Policy instance

Insurance contract or identification number	998706-000
Number of Individuals Covered	231
Insurance policy start date	2015-01-01
Insurance policy end date	2015-12-31
Total amount of commissions paid to insurance broker	USD $32,159
Total amount of fees paid to insurance company	USD $2,065
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $32,159
Insurance broker organization code?	3
Amount paid for insurance broker fees	2065
Additional information about fees paid to insurance broker	TPA FEE
Insurance broker name	INDEPENDENT PENSION CONSULTANTS

TRANSAMERICA LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 86231 )

Policy contract number

998706-000

Policy instance

Insurance contract or identification number	998706-000
Number of Individuals Covered	173
Insurance policy start date	2014-01-01
Insurance policy end date	2014-12-31
Total amount of commissions paid to insurance broker	USD $23,085
Total amount of fees paid to insurance company	USD $1,481
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $23,085
Insurance broker organization code?	3
Amount paid for insurance broker fees	1481
Additional information about fees paid to insurance broker	TPA FEE
Insurance broker name	INDEPENDENT PENSION CONSULTANTS

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Company Name:	THE BERNARD GROUP
Employer identification number (EIN):	411944077
NAIC Classification:	541400

Jurisdiction of Incorporation:	Texas Secretary of State
Incorporation Date:	2012-06-13
Company Identification Number:	0801610675
Legal Registered Office Address:	9900 SPECTRUM DR. AUSTIN United States of America (USA) 78717