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JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN 401k Plan overview

Plan NameJAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN
Plan identification number 001

JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN Benefits

401k Plan TypeDefined Contribution Pension
Plan Features/Benefits
  • Age/Service Weighted or new comparability or similar plan - Age/Service Weighted Plan: Allocations are based on age, service, or age and service. New comparability or similar plan: Allocations are based on participant classifications and a classification(s) consists entirely or predominantly of highly compensated employees; or the plan provides an additional allocation rate on compensation above a specified threshold, and the theshold or additional rate exceeds the maximum threshold or rate allowed under the permitted disparity rules of section 401(l).
  • Profit-sharing
  • 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.
  • 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

JAY N. CRANFORD, JR., D.M.D., P.C. has sponsored the creation of one or more 401k plans.

Company Name:JAY N. CRANFORD, JR., D.M.D., P.C.
Employer identification number (EIN):581530590
NAIC Classification:621210
NAIC Description:Offices of Dentists

Additional information about JAY N. CRANFORD, JR., D.M.D., P.C.

Jurisdiction of Incorporation: Georgia Department of States Corporations Division
Incorporation Date: 1983-09-30
Company Identification Number: 648656
Legal Registered Office Address: 4 LONG LEAF OFFICE PARK

MOULTRIE
United States of America (USA)
31768-7745

More information about JAY N. CRANFORD, JR., D.M.D., P.C.

Form 5500 Filing Information

Submission information for form 5500 for 401k plan JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator SignedName of Company SponsorDate Sponsor Signed
0012017-01-01
0012016-01-01JAY N. CRANFORD, JR., D.M.D.
0012015-01-01JAY N. CRANFORD, JR., D.M.D.
0012014-01-01JAY N. CRANFORD, JR., D.M.D.
0012013-01-01JAY N. CRANFORD, JR., D.M.D.
0012012-01-01JAY N. CRANFORD, JR., D.M.D.
0012011-01-01JAY N. CRANFORD, JR., D.M.D.
0012009-01-01JAY N. CRANFORD, JR., D.M.D. JAY N. CRANFORD, JR., D.M.D.2010-07-07
0012009-01-01JAY N. CRANFORD, JR., D.M.D.
0012009-01-01JAY N. CRANFORD, JR., D.M.D.

Plan Statistics for JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN

401k plan membership statisitcs for JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN

Measure Date Value
2017: JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN 2017 401k membership
Total participants, beginning-of-year2017-01-016
Total number of active participants reported on line 7a of the Form 55002017-01-010
Number of retired or separated participants receiving benefits2017-01-010
Number of other retired or separated participants entitled to future benefits2017-01-010
Total of all active and inactive participants2017-01-010
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits2017-01-010
Total participants2017-01-010
Number of participants with account balances2017-01-010
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested2017-01-010
2016: JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN 2016 401k membership
Total participants, beginning-of-year2016-01-016
Total number of active participants reported on line 7a of the Form 55002016-01-014
Number of retired or separated participants receiving benefits2016-01-010
Number of other retired or separated participants entitled to future benefits2016-01-012
Total of all active and inactive participants2016-01-016
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits2016-01-010
Total participants2016-01-016
Number of participants with account balances2016-01-016
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested2016-01-010
2015: JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN 2015 401k membership
Total participants, beginning-of-year2015-01-016
Total number of active participants reported on line 7a of the Form 55002015-01-015
Number of retired or separated participants receiving benefits2015-01-010
Number of other retired or separated participants entitled to future benefits2015-01-010
Total of all active and inactive participants2015-01-015
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits2015-01-010
Total participants2015-01-015
Number of participants with account balances2015-01-015
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested2015-01-010
2014: JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN 2014 401k membership
Total participants, beginning-of-year2014-01-016
Total number of active participants reported on line 7a of the Form 55002014-01-015
Number of retired or separated participants receiving benefits2014-01-010
Number of other retired or separated participants entitled to future benefits2014-01-011
Total of all active and inactive participants2014-01-016
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits2014-01-010
Total participants2014-01-016
Number of participants with account balances2014-01-016
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested2014-01-010
2013: JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN 2013 401k membership
Total participants, beginning-of-year2013-01-016
Total number of active participants reported on line 7a of the Form 55002013-01-016
Number of retired or separated participants receiving benefits2013-01-010
Number of other retired or separated participants entitled to future benefits2013-01-010
Total of all active and inactive participants2013-01-016
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits2013-01-010
Total participants2013-01-016
Number of participants with account balances2013-01-016
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested2013-01-010
2012: JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN 2012 401k membership
Total participants, beginning-of-year2012-01-016
Total number of active participants reported on line 7a of the Form 55002012-01-016
Number of retired or separated participants receiving benefits2012-01-010
Number of other retired or separated participants entitled to future benefits2012-01-010
Total of all active and inactive participants2012-01-016
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits2012-01-010
Total participants2012-01-016
Number of participants with account balances2012-01-016
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested2012-01-010
2011: JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN 2011 401k membership
Total participants, beginning-of-year2011-01-016
Total number of active participants reported on line 7a of the Form 55002011-01-016
Number of retired or separated participants receiving benefits2011-01-010
Number of other retired or separated participants entitled to future benefits2011-01-010
Total of all active and inactive participants2011-01-016
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits2011-01-010
Total participants2011-01-016
Number of participants with account balances2011-01-016
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested2011-01-010
2009: JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN 2009 401k membership
Total participants, beginning-of-year2009-01-016
Total number of active participants reported on line 7a of the Form 55002009-01-016
Number of retired or separated participants receiving benefits2009-01-010
Number of other retired or separated participants entitled to future benefits2009-01-010
Total of all active and inactive participants2009-01-016
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits2009-01-010
Total participants2009-01-016
Number of participants with account balances2009-01-016
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested2009-01-010

Financial Data on JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN

Measure Date Value
2017 : JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN 2017 401k financial data
Transfers to/from the plan2017-12-22$0
Total plan liabilities at end of year2017-12-22$0
Total plan liabilities at beginning of year2017-12-22$0
Total income from all sources2017-12-22$54,174
Expenses. Total of all expenses incurred2017-12-22$1,531,465
Benefits paid (including direct rollovers)2017-12-22$1,525,938
Total plan assets at end of year2017-12-22$0
Total plan assets at beginning of year2017-12-22$1,477,291
Value of fidelity bond covering the plan2017-12-22$150,000
Total contributions received or receivable from participants2017-12-22$0
Expenses. Other expenses not covered elsewhere2017-12-22$0
Contributions received from other sources (not participants or employers)2017-12-22$0
Other income received2017-12-22$54,174
Noncash contributions received2017-12-22$0
Net income (gross income less expenses)2017-12-22$-1,477,291
Net plan assets at end of year (total assets less liabilities)2017-12-22$0
Net plan assets at beginning of year (total assets less liabilities)2017-12-22$1,477,291
Assets. Value of assets in partnership/joint-venture interests2017-12-22$0
Total contributions received or receivable from employer(s)2017-12-22$0
Value of certain deemed distributions of participant loans2017-12-22$0
Value of corrective distributions2017-12-22$0
Expenses. Administrative service providers (salaries,fees and commissions)2017-12-22$5,527
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities2017-12-22$0
2016 : JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN 2016 401k financial data
Transfers to/from the plan2016-12-31$0
Total plan liabilities at end of year2016-12-31$0
Total plan liabilities at beginning of year2016-12-31$0
Total income from all sources2016-12-31$148,536
Expenses. Total of all expenses incurred2016-12-31$19,583
Benefits paid (including direct rollovers)2016-12-31$7,700
Total plan assets at end of year2016-12-31$1,477,291
Total plan assets at beginning of year2016-12-31$1,348,338
Value of fidelity bond covering the plan2016-12-31$150,000
Total contributions received or receivable from participants2016-12-31$48,000
Expenses. Other expenses not covered elsewhere2016-12-31$0
Contributions received from other sources (not participants or employers)2016-12-31$0
Other income received2016-12-31$62,536
Noncash contributions received2016-12-31$0
Net income (gross income less expenses)2016-12-31$128,953
Net plan assets at end of year (total assets less liabilities)2016-12-31$1,477,291
Net plan assets at beginning of year (total assets less liabilities)2016-12-31$1,348,338
Assets. Value of assets in partnership/joint-venture interests2016-12-31$924
Total contributions received or receivable from employer(s)2016-12-31$38,000
Value of certain deemed distributions of participant loans2016-12-31$0
Value of corrective distributions2016-12-31$0
Expenses. Administrative service providers (salaries,fees and commissions)2016-12-31$11,883
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities2016-12-31$0
2015 : JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN 2015 401k financial data
Transfers to/from the plan2015-12-31$0
Total plan liabilities at end of year2015-12-31$0
Total plan liabilities at beginning of year2015-12-31$0
Total income from all sources2015-12-31$-24,371
Expenses. Total of all expenses incurred2015-12-31$30,870
Benefits paid (including direct rollovers)2015-12-31$17,158
Total plan assets at end of year2015-12-31$1,348,338
Total plan assets at beginning of year2015-12-31$1,403,579
Value of fidelity bond covering the plan2015-12-31$150,000
Total contributions received or receivable from participants2015-12-31$40,000
Expenses. Other expenses not covered elsewhere2015-12-31$0
Contributions received from other sources (not participants or employers)2015-12-31$0
Other income received2015-12-31$-78,371
Noncash contributions received2015-12-31$0
Net income (gross income less expenses)2015-12-31$-55,241
Net plan assets at end of year (total assets less liabilities)2015-12-31$1,348,338
Net plan assets at beginning of year (total assets less liabilities)2015-12-31$1,403,579
Assets. Value of assets in partnership/joint-venture interests2015-12-31$20,979
Total contributions received or receivable from employer(s)2015-12-31$14,000
Value of certain deemed distributions of participant loans2015-12-31$0
Value of corrective distributions2015-12-31$0
Expenses. Administrative service providers (salaries,fees and commissions)2015-12-31$13,712
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities2015-12-31$0
2014 : JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN 2014 401k financial data
Transfers to/from the plan2014-12-31$0
Total plan liabilities at end of year2014-12-31$0
Total plan liabilities at beginning of year2014-12-31$0
Total income from all sources2014-12-31$57,742
Expenses. Total of all expenses incurred2014-12-31$13,018
Benefits paid (including direct rollovers)2014-12-31$0
Total plan assets at end of year2014-12-31$1,403,579
Total plan assets at beginning of year2014-12-31$1,358,855
Value of fidelity bond covering the plan2014-12-31$150,000
Total contributions received or receivable from participants2014-12-31$15,000
Expenses. Other expenses not covered elsewhere2014-12-31$0
Contributions received from other sources (not participants or employers)2014-12-31$0
Other income received2014-12-31$32,742
Noncash contributions received2014-12-31$0
Net income (gross income less expenses)2014-12-31$44,724
Net plan assets at end of year (total assets less liabilities)2014-12-31$1,403,579
Net plan assets at beginning of year (total assets less liabilities)2014-12-31$1,358,855
Assets. Value of assets in partnership/joint-venture interests2014-12-31$75,133
Total contributions received or receivable from employer(s)2014-12-31$10,000
Value of certain deemed distributions of participant loans2014-12-31$0
Value of corrective distributions2014-12-31$0
Expenses. Administrative service providers (salaries,fees and commissions)2014-12-31$13,018
2013 : JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN 2013 401k financial data
Total plan liabilities at end of year2013-12-31$0
Total plan liabilities at beginning of year2013-12-31$0
Total income from all sources2013-12-31$127,563
Expenses. Total of all expenses incurred2013-12-31$11,744
Benefits paid (including direct rollovers)2013-12-31$0
Total plan assets at end of year2013-12-31$1,358,855
Total plan assets at beginning of year2013-12-31$1,243,036
Value of fidelity bond covering the plan2013-12-31$150,000
Total contributions received or receivable from participants2013-12-31$44,260
Expenses. Other expenses not covered elsewhere2013-12-31$0
Contributions received from other sources (not participants or employers)2013-12-31$0
Other income received2013-12-31$73,303
Noncash contributions received2013-12-31$0
Net income (gross income less expenses)2013-12-31$115,819
Net plan assets at end of year (total assets less liabilities)2013-12-31$1,358,855
Net plan assets at beginning of year (total assets less liabilities)2013-12-31$1,243,036
Assets. Value of assets in partnership/joint-venture interests2013-12-31$91,367
Total contributions received or receivable from employer(s)2013-12-31$10,000
Value of certain deemed distributions of participant loans2013-12-31$0
Value of corrective distributions2013-12-31$0
Expenses. Administrative service providers (salaries,fees and commissions)2013-12-31$11,744
2012 : JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN 2012 401k financial data
Transfers to/from the plan2012-12-31$0
Total plan liabilities at beginning of year2012-12-31$0
Total income from all sources2012-12-31$159,967
Expenses. Total of all expenses incurred2012-12-31$10,273
Benefits paid (including direct rollovers)2012-12-31$0
Total plan assets at end of year2012-12-31$1,243,036
Total plan assets at beginning of year2012-12-31$1,093,342
Value of fidelity bond covering the plan2012-12-31$140,000
Total contributions received or receivable from participants2012-12-31$44,260
Expenses. Other expenses not covered elsewhere2012-12-31$0
Contributions received from other sources (not participants or employers)2012-12-31$0
Other income received2012-12-31$100,407
Noncash contributions received2012-12-31$0
Net income (gross income less expenses)2012-12-31$149,694
Net plan assets at end of year (total assets less liabilities)2012-12-31$1,243,036
Net plan assets at beginning of year (total assets less liabilities)2012-12-31$1,093,342
Assets. Value of assets in partnership/joint-venture interests2012-12-31$93,931
Value of participant contributions where there was a failure to transmit these to the plan within the time period described in 29 CFR 2510.3-1022012-12-31$51
Total contributions received or receivable from employer(s)2012-12-31$15,300
Value of certain deemed distributions of participant loans2012-12-31$0
Value of corrective distributions2012-12-31$0
Expenses. Administrative service providers (salaries,fees and commissions)2012-12-31$10,273
2011 : JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN 2011 401k financial data
Transfers to/from the plan2011-12-31$0
Total plan liabilities at end of year2011-12-31$0
Total plan liabilities at beginning of year2011-12-31$0
Total income from all sources2011-12-31$80,497
Expenses. Total of all expenses incurred2011-12-31$9,076
Benefits paid (including direct rollovers)2011-12-31$0
Total plan assets at end of year2011-12-31$1,093,342
Total plan assets at beginning of year2011-12-31$1,021,922
Value of fidelity bond covering the plan2011-12-31$140,000
Total contributions received or receivable from participants2011-12-31$44,380
Expenses. Other expenses not covered elsewhere2011-12-31$0
Contributions received from other sources (not participants or employers)2011-12-31$0
Other income received2011-12-31$17,367
Noncash contributions received2011-12-31$0
Net income (gross income less expenses)2011-12-31$71,421
Net plan assets at end of year (total assets less liabilities)2011-12-31$1,093,342
Net plan assets at beginning of year (total assets less liabilities)2011-12-31$1,021,922
Assets. Value of assets in partnership/joint-venture interests2011-12-31$92,696
Value of participant contributions where there was a failure to transmit these to the plan within the time period described in 29 CFR 2510.3-1022011-12-31$51
Total contributions received or receivable from employer(s)2011-12-31$18,750
Value of certain deemed distributions of participant loans2011-12-31$0
Value of corrective distributions2011-12-31$0
Expenses. Administrative service providers (salaries,fees and commissions)2011-12-31$9,076
2010 : JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN 2010 401k financial data
Transfers to/from the plan2010-12-31$0
Total plan liabilities at end of year2010-12-31$0
Total plan liabilities at beginning of year2010-12-31$0
Total income from all sources2010-12-31$111,577
Expenses. Total of all expenses incurred2010-12-31$8,263
Benefits paid (including direct rollovers)2010-12-31$0
Total plan assets at end of year2010-12-31$1,021,922
Total plan assets at beginning of year2010-12-31$918,608
Value of fidelity bond covering the plan2010-12-31$150,000
Total contributions received or receivable from participants2010-12-31$22,780
Expenses. Other expenses not covered elsewhere2010-12-31$0
Contributions received from other sources (not participants or employers)2010-12-31$0
Other income received2010-12-31$50,107
Noncash contributions received2010-12-31$0
Net income (gross income less expenses)2010-12-31$103,314
Net plan assets at end of year (total assets less liabilities)2010-12-31$1,021,922
Net plan assets at beginning of year (total assets less liabilities)2010-12-31$918,608
Assets. Value of assets in partnership/joint-venture interests2010-12-31$91,212
Total contributions received or receivable from employer(s)2010-12-31$38,690
Value of certain deemed distributions of participant loans2010-12-31$0
Value of corrective distributions2010-12-31$0
Expenses. Administrative service providers (salaries,fees and commissions)2010-12-31$8,263

Form 5500 Responses for JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN

2017: JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN 2017 form 5500 responses
2017-01-01Type of plan entitySingle employer plan
2017-01-01Submission has been amendedNo
2017-01-01This submission is the final filingYes
2017-01-01This return/report is a short plan year return/report (less than 12 months)Yes
2017-01-01Plan is a collectively bargained planNo
2017-01-01Plan funding arrangement – TrustYes
2017-01-01Plan benefit arrangement - TrustYes
2016: JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN 2016 form 5500 responses
2016-01-01Type of plan entitySingle employer plan
2016-01-01Submission has been amendedNo
2016-01-01This submission is the final filingNo
2016-01-01This return/report is a short plan year return/report (less than 12 months)No
2016-01-01Plan is a collectively bargained planNo
2016-01-01Plan funding arrangement – TrustYes
2016-01-01Plan benefit arrangement - TrustYes
2015: JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN 2015 form 5500 responses
2015-01-01Type of plan entitySingle employer plan
2015-01-01Submission has been amendedNo
2015-01-01This submission is the final filingNo
2015-01-01This return/report is a short plan year return/report (less than 12 months)No
2015-01-01Plan is a collectively bargained planNo
2015-01-01Plan funding arrangement – TrustYes
2015-01-01Plan benefit arrangement - TrustYes
2014: JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN 2014 form 5500 responses
2014-01-01Type of plan entitySingle employer plan
2014-01-01Submission has been amendedNo
2014-01-01This submission is the final filingNo
2014-01-01This return/report is a short plan year return/report (less than 12 months)No
2014-01-01Plan is a collectively bargained planNo
2014-01-01Plan funding arrangement – TrustYes
2014-01-01Plan benefit arrangement - TrustYes
2013: JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN 2013 form 5500 responses
2013-01-01Type of plan entitySingle employer plan
2013-01-01Submission has been amendedNo
2013-01-01This submission is the final filingNo
2013-01-01This return/report is a short plan year return/report (less than 12 months)No
2013-01-01Plan is a collectively bargained planNo
2013-01-01Plan funding arrangement – TrustYes
2013-01-01Plan benefit arrangement - TrustYes
2012: JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN 2012 form 5500 responses
2012-01-01Type of plan entitySingle employer plan
2012-01-01Submission has been amendedNo
2012-01-01This submission is the final filingNo
2012-01-01This return/report is a short plan year return/report (less than 12 months)No
2012-01-01Plan is a collectively bargained planNo
2012-01-01Plan funding arrangement – TrustYes
2012-01-01Plan benefit arrangement - TrustYes
2011: JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN 2011 form 5500 responses
2011-01-01Type of plan entitySingle employer plan
2011-01-01Submission has been amendedNo
2011-01-01This submission is the final filingNo
2011-01-01This return/report is a short plan year return/report (less than 12 months)No
2011-01-01Plan is a collectively bargained planNo
2011-01-01Plan funding arrangement – TrustYes
2011-01-01Plan benefit arrangement - TrustYes
2009: JAY N. CRANFORD, JR., D.M.D., P.C. PROFIT SHARING PLAN 2009 form 5500 responses
2009-01-01Type of plan entitySingle employer plan
2009-01-01Submission has been amendedNo
2009-01-01This submission is the final filingNo
2009-01-01This return/report is a short plan year return/report (less than 12 months)No
2009-01-01Plan is a collectively bargained planNo
2009-01-01Plan funding arrangement – TrustYes
2009-01-01Plan benefit arrangement - TrustYes

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