401k Plan data: D.G. SMITH ENTERPRISES, INC. 401(K) PROFIT SHARING PLAN plan

D.G. SMITH ENTERPRISES, INC. 401(K) PROFIT SHARING PLAN 401k Plan overview

Plan Name	D.G. SMITH ENTERPRISES, INC. 401(K) PROFIT SHARING PLAN
Plan identification number	002

D.G. SMITH ENTERPRISES, INC. 401(K) PROFIT SHARING PLAN Benefits

401k Plan Type

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

401k Sponsoring company profile

D.G. SMITH ENTERPRISES, INC. has sponsored the creation of one or more 401k plans.

Company Name: D.G. SMITH ENTERPRISES, INC.

Employer identification number (EIN): 942447098

NAIC Classification: 551112
NAIC Description: Offices of Other Holding Companies

Form 5500 Filing Information

Submission information for form 5500 for 401k plan D.G. SMITH ENTERPRISES, INC. 401(K) PROFIT SHARING PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
002 2016-01-01 DAVID G. SMITH 2017-10-11
002 2015-01-01 DAVID G. SMITH 2016-07-29
002 2014-01-01 DAVID G. SMITH
002 2013-01-01 DAVID G. SMITH
002 2012-01-01 DAVID G. SMITH 2013-10-15
002 2011-01-01 DAVID G. SMITH 2012-10-15
002 2010-11-01 DAVID G. SMITH 2011-10-14
002 2008-11-01

Plan id#	Filing Submission Date	Name of Administrator	Date Administrator Signed
002	2016-01-01	DAVID G. SMITH	2017-10-11
002	2015-01-01	DAVID G. SMITH	2016-07-29
002	2014-01-01	DAVID G. SMITH
002	2013-01-01	DAVID G. SMITH
002	2012-01-01	DAVID G. SMITH	2013-10-15
002	2011-01-01	DAVID G. SMITH	2012-10-15
002	2010-11-01	DAVID G. SMITH	2011-10-14
002	2008-11-01

Plan Statistics for D.G. SMITH ENTERPRISES, INC. 401(K) PROFIT SHARING PLAN

401k plan membership statisitcs for D.G. SMITH ENTERPRISES, INC. 401(K) PROFIT SHARING PLAN

Measure Date Value
2014: D.G. SMITH ENTERPRISES, INC. 401(K) PROFIT SHARING PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 147
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 128
Number of retired or separated participants receiving benefits 2014-01-01 0
Number of other retired or separated participants entitled to future benefits 2014-01-01 8
Total of all active and inactive participants 2014-01-01 136
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 136
Number of participants with account balances 2014-01-01 39
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 0
2013: D.G. SMITH ENTERPRISES, INC. 401(K) PROFIT SHARING PLAN 2013 401k membership
Total participants, beginning-of-year 2013-01-01 150
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 120
Number of retired or separated participants receiving benefits 2013-01-01 0
Number of other retired or separated participants entitled to future benefits 2013-01-01 5
Total of all active and inactive participants 2013-01-01 125
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 0
Total participants 2013-01-01 125
Number of participants with account balances 2013-01-01 39
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 0

Measure	Date	Value
2014: D.G. SMITH ENTERPRISES, INC. 401(K) PROFIT SHARING PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	147
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	128
Number of retired or separated participants receiving benefits	2014-01-01	0
Number of other retired or separated participants entitled to future benefits	2014-01-01	8
Total of all active and inactive participants	2014-01-01	136
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	136
Number of participants with account balances	2014-01-01	39
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	0
2013: D.G. SMITH ENTERPRISES, INC. 401(K) PROFIT SHARING PLAN 2013 401k membership
Total participants, beginning-of-year	2013-01-01	150
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	120
Number of retired or separated participants receiving benefits	2013-01-01	0
Number of other retired or separated participants entitled to future benefits	2013-01-01	5
Total of all active and inactive participants	2013-01-01	125
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	0
Total participants	2013-01-01	125
Number of participants with account balances	2013-01-01	39
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	0

Financial Data on D.G. SMITH ENTERPRISES, INC. 401(K) PROFIT SHARING PLAN

Measure	Date	Value
2014 : D.G. SMITH ENTERPRISES, INC. 401(K) PROFIT SHARING PLAN 2014 401k financial data
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$542
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$542
Total income from all sources (including contributions)	2014-12-31	$46,538
Total of all expenses incurred	2014-12-31	$385
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$18,318
Value of total assets at end of year	2014-12-31	$475,189
Value of total assets at beginning of year	2014-12-31	$429,036
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$385
Total interest from all sources	2014-12-31	$1,590
Total dividends received (eg from common stock, registered investment company shares)	2014-12-31	$20,959
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2014-12-31	$20,959
Was this plan covered by a fidelity bond	2014-12-31	Yes
Value of fidelity bond cover	2014-12-31	$40,000
If this is an individual account plan, was there a blackout period	2014-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2014-12-31	Yes
Amount of non-exempt transactions with any party-in-interest	2014-12-31	$10,134
Contributions received from participants	2014-12-31	$18,318
Participant contributions at end of year	2014-12-31	$33,903
Participant contributions at beginning of year	2014-12-31	$33,721
Participant contributions at end of year	2014-12-31	$694
Value of other receiveables (less allowance for doubtful accounts) at end of year	2014-12-31	$55
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2014-12-31	$500
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2014-12-31	$500
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	$46,153
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$474,647
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$428,494
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	$292,468
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2014-12-31	$261,282
Value of interest in pooled separate accounts at end of year	2014-12-31	$113,045
Value of interest in pooled separate accounts at beginning of year	2014-12-31	$105,915
Interest on participant loans	2014-12-31	$1,409
Interest earned on other investments	2014-12-31	$55
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2014-12-31	$20,369
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2014-12-31	$13,572
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2014-12-31	$13,572
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2014-12-31	$126
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2014-12-31	$14,655
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2014-12-31	$14,546
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2014-12-31	$-1,569
Net investment gain/loss from pooled separate accounts	2014-12-31	$7,240
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
Contract administrator fees	2014-12-31	$385
Liabilities. Value of benefit claims payable at end of year	2014-12-31	$42
Liabilities. Value of benefit claims payable at beginning of year	2014-12-31	$42
Did the plan have assets held for investment	2014-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2014-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2014-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2014-12-31	Disclaimer
Accountancy firm name	2014-12-31	FARBER HASS HURLEY LLP
Accountancy firm EIN	2014-12-31	204207759
2013 : D.G. SMITH ENTERPRISES, INC. 401(K) PROFIT SHARING PLAN 2013 401k financial data
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$542
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$1,102
Expenses. Interest paid	2013-12-31	$0
Amount of participant contributions which was failed to transmit to the plan within the time period described in 29 CFR 251.3-102	2013-12-31	$0
Total income from all sources (including contributions)	2013-12-31	$84,580
Total of all expenses incurred	2013-12-31	$3,009
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$2,144
Expenses. Certain deemed distributions of participant loans	2013-12-31	$0
Value of total corrective distributions	2013-12-31	$0
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$16,607
Value of total assets at end of year	2013-12-31	$429,036
Value of total assets at beginning of year	2013-12-31	$348,025
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$865
Total interest from all sources	2013-12-31	$1,478
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$12,334
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2013-12-31	$12,334
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$40,000
If this is an individual account plan, was there a blackout period	2013-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2013-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2013-12-31	Yes
Amount of non-exempt transactions with any party-in-interest	2013-12-31	$11,089
Contributions received from participants	2013-12-31	$16,607
Participant contributions at end of year	2013-12-31	$33,721
Participant contributions at beginning of year	2013-12-31	$36,937
Income. Received or receivable in cash from other sources (including rollovers)	2013-12-31	$0
Expenses. Other payments made (not to insurance carriers or or participants/beneficiaries)	2013-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2013-12-31	$500
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Income. Non cash contributions	2013-12-31	$0
Value of net income/loss	2013-12-31	$81,571
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$428,494
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$346,923
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-12-31	No
Were any leases to which the plan was party in default or uncollectible	2013-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2013-12-31	$261,282
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2013-12-31	$185,595
Value of interest in pooled separate accounts at end of year	2013-12-31	$105,915
Value of interest in pooled separate accounts at beginning of year	2013-12-31	$89,853
Interest on participant loans	2013-12-31	$1,381
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2013-12-31	$13,572
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2013-12-31	$11,614
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2013-12-31	$11,614
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2013-12-31	$97
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2013-12-31	$14,546
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2013-12-31	$14,419
Expenses. Payments to insurance carriers foe the provision of benefits	2013-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2013-12-31	$37,973
Net investment gain/loss from pooled separate accounts	2013-12-31	$16,188
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-12-31	No
Was there a failure to transmit to the plan any participant contributions	2013-12-31	Yes
Has the plan failed to provide any benefit when due under the plan	2013-12-31	No
Contributions received in cash from employer	2013-12-31	$0
Employer contributions (assets) at end of year	2013-12-31	$0
Employer contributions (assets) at beginning of year	2013-12-31	$9,607
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$2,144
Contract administrator fees	2013-12-31	$865
Liabilities. Value of benefit claims payable at end of year	2013-12-31	$42
Liabilities. Value of benefit claims payable at beginning of year	2013-12-31	$1,102
Did the plan have assets held for investment	2013-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2013-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2013-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2013-12-31	Disclaimer
Accountancy firm name	2013-12-31	FARBER HASS HURLEY LLP
Accountancy firm EIN	2013-12-31	204207759

Form 5500 Responses for D.G. SMITH ENTERPRISES, INC. 401(K) PROFIT SHARING PLAN

2014: D.G. SMITH ENTERPRISES, INC. 401(K) PROFIT SHARING PLAN 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
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
2013: D.G. SMITH ENTERPRISES, INC. 401(K) PROFIT SHARING PLAN 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	Plan funding arrangement – Insurance	Yes
2013-01-01	Plan funding arrangement – Trust	Yes
2013-01-01	Plan benefit arrangement – Insurance	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes
2008: D.G. SMITH ENTERPRISES, INC. 401(K) PROFIT SHARING PLAN 2008 form 5500 responses
2008-11-01	Type of plan entity	Single employer plan
2008-11-01	Submission has been amended	No
2008-11-01	This submission is the final filing	No
2008-11-01	This return/report is a short plan year return/report (less than 12 months)	No
2008-11-01	Plan is a collectively bargained plan	No

Insurance Providers Used on plan

PENN MUTUAL (National Association of Insurance Commissioners NAIC id number: )

Policy contract number

D10236

Policy instance

Insurance contract or identification number	D10236
Number of Individuals Covered	39
Insurance policy start date	2013-11-01
Insurance policy end date	2014-10-31
Total amount of commissions paid to insurance broker	USD $300
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $300
Insurance broker organization code?	3
Insurance broker name	RITA E. GIBSON

PENN MUTUAL LIFE INSURANCE CO (National Association of Insurance Commissioners NAIC id number: 67644 )

Policy contract number

D10236

Policy instance

Insurance contract or identification number	D10236
Number of Individuals Covered	38
Insurance policy start date	2013-01-01
Insurance policy end date	2013-12-31
Total amount of commissions paid to insurance broker	USD $270
Are there contracts with unallocated funds for contracts of type guaranteed investment?	Yes
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $270
Insurance broker organization code?	3
Insurance broker name	RITA E GIBSON

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Company Name:	D.G. SMITH ENTERPRISES, INC.
Employer identification number (EIN):	942447098
NAIC Classification:	551112
NAIC Description:	Offices of Other Holding Companies