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FORM 5500 DATA

Fire Mountain Gems & Beads, Inc. 401k Plan

Overview

Plan Information

  • Plan Year01/01/2019 — 12/31/2019
  • Date of Plan01/01/2000
  • Net Assets as of 12/31/2019 $11,644,894
  • Plan Number1
  • Plan Type Single Employer
  • Is the plan collectively bargained? No
  • Did the plan file for an extension of time or the DFVC Program?Yes
  • Plan Funding ArrangementInsurance Trust
  • Plan Benefit ArrangementInsurance Trust

Participant Information as of 12/31/2019

  • Active (Eligible) Participants278
  • Retired or separated participants receiving benefits0
  • Other retired or separated participants entitled to future benefits28
  • Subtotal306
  • Deceased participants whose beneficiaries are receiving or are entitled to receive benefits0
  • Total306
  • Total number of participants as of 01/01/2019288
  • Number of participants with account balances224
  • Number of participants that terminated employment during the plan year with accrued benefits that were less than 100% vested4

Expenses

  • Total Benefit Payments$0
  • Corrective Distributions$0
  • Administrative Service Providers$0
  • Other Expenses$0
  • Total Expenses$0
  • Total Transfers$0

Sponsor Information

  • AddressOne Fire Mountain Way
  • CityGrants Pass
  • StateOR
  • Zip97526-2373
  • Telephone(541) 956-7864
  • EIN93-0924205
  • Industry Code454110

Audit Information

  • Audit StatusAudited
  • AuditorMoss Adams LLP
  • Auditor EIN91-0189318
  • Audit Opinion Disclaimer
  • Audit TypeLimited Scope Audit

Benefits Provided Under the Plan

Code Benefit Description
2E Profit-sharing A defined contribution plan that allows employer discretionary contributions. These plans often contain a 401(k) feature.
2F ERISA section 404(c) Plan This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
2G 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.
2J 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.
2K 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 contributions 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.
2R Brokerage Window Participant-directed brokerage accounts provided as an investment option under the plan.
2T Participant-directed Account Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
3D 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.

Questions and Answers

Question Answer Amount
During the plan year did the employer fail to transmit to the plan any participant contributions within the time period described in 29 CFT 2510.3-102? No
Were any loans by the plan or fixed income obligations due the plan in default as of the close of plan year or classified during the year as uncollectible? Disregard participant loans secured by participant's account balance. No
Were any leases to which the plan was a party in default or classified during the year as uncollectible? No
Were there any nonexempt transactions with any party-in-interest? No
Was this plan covered by a fidelity bond? Yes $500,000
Did the plan have a loss, whether or not reimbursed by the plan's fidelity bond, that was caused by fraud or dishonesty? No
Did the plan hold any assets whose current value was neither readily determinable on an established market nor set by an independent third party appraiser? No
Did the plan receive any noncash contributions whose value was neither readily determinable on an established market nor set by an independent third party appraiser? No
Did the plan have assets held for investment? Yes
Were any plan transactions or series of transactions in excess of 5% of the current value of plan assets? No
Were all the plan assets either distributed to participants or beneficiaries, transferred to another plan, or brought under the control of the PBGC? No
Has the plan failed to provide any benefit when due under the plan? No
If this is an individual account plan, was there a blackout period? No
If there was a blackout period, have you either provided the required notice or one of the exceptions to providing the notice applied under 29 CFR 2520.101-3? No

Financials

Income and Expense Statement

Income $2,908,907
Contributions $823,855
Cash Contributions $823,855
Cash from Employers $223,390
Cash from Participants $600,465
Others (including rollovers) $0
Noncash Contributions $0
Total Earnings on Investments $2,059,605
Total Interest $14,982
Interest-Bearing Cash $0
U.S. Government Securities $0
Corporate Debt Instruments $0
Loans (other than to participants) $0
Participant Loans $14,982
Interest from Other Investments $0
Total Dividends $0
Preferred Stock $0
Common Stock $0
Rents $0
Net gain (loss) on sale of assets $0
Aggregate Proceeds $0
Aggregate Carrying Amount $0
Total Unrealized Appreciation (depreciation) of assets $0
Real Estate $0
Other $0
Net investment gain (loss) from common/collective trusts $0
Net investment gain (loss) from pooled separate accounts $2,044,623
Net investment gain (loss) from master trust investment accounts $0
Net investment gain (loss) from 103-12 investment entities $0
Net investment gain (loss) from registered investment companies $0
Other Income $25,447
Expenses $1,147,313
Total Benefit Payments $1,120,704
Directly to participants or beneficiaries, including direct rollovers $1,120,704
To insurance carriers for the provision of benefits $0
Other Benefit Payment Fees $0
Corrective Distributions $0
Certain deemed distributions of participant loans $0
Interest expense $0
Total Administrative Expenses $26,609
Professional Fees $3,860
Contract Administrator Fees $0
Investment Advisory and management fees $21,203
Other Administrative Fees $1,546
Net Income $1,761,594
Transfers of Assets to this Plan $0
Transfers of Assets from this Plan $0

Asset and Liability Statement

12/31/2019 12/31/2018 Change YOY
Total Assets $11,646,241 $9,885,525 17.81%
Total noninterest-bearing cash $0 $0 0.0%
Receivables $0 $0 0.0%
Employer Contributions $0 $0 0.0%
Participant Contributions $0 $0 0.0%
Other Contributions $0 $0 0.0%
General Investments $0 $0 0.0%
Interest-bearing cash $0 $0 0.0%
U.S. Government Securities $0 $0 0.0%
Corporate Debt Instruments $0 $0 0.0%
Preferred $0 $0 0.0%
All Other $0 $0 0.0%
Corporate Stocks $0 $0 0.0%
Preferred $0 $0 0.0%
Common $0 $0 0.0%
Partnership/joint venture interests $0 $0 0.0%
Real estate (other than employer real property) $0 $0 0.0%
Loans (other than to participants) $0 $0 0.0%
Participants Loans $258,372 $363,853 -28.99%
Value of interest in common/collective trusts $0 $0 0.0%
Value of interest in pooled separate accounts $11,387,869 $9,521,672 19.60%
Value of interest in master trust investment accounts $0 $0 0.0%
Value of interest in 103-12 investment entities $0 $0 0.0%
Value of interest in registered investment companies $0 $0 0.0%
Value of funds held in insurance co. general account $0 $0 0.0%
Other Investments $0 $0 0.0%
Employer-related Investments $0 $0 0.0%
Employer Securities $0 $0 0.0%
Employer Real Property $0 $0 0.0%
Buildings and other property used in plan operation $0 $0 0.0%
Total Liabilities $1,347 $2,225 -39.46%
Benefit Claims Payable (1) $0 $0 0.0%
Operating Payables (1) $1,347 $2,225 -39.46%
Acquisition Indebtedness (1) $0 $0 0.0%
Other liabilities (1) $0 $0 0.0%
Net Assets $11,644,894 $9,883,300 17.82%

Service Providers

Persons Receiving Only Eligible Indirect Compensation

There is no information on eligible indirect compensation for this plan.

Other Service Providers Receiving Direct or Indirect Compensation

Name Nature of Service Relationship to Plan Sponsor Direct Compensation Paid by Plan Indirect Compensation Paid by Plan Total Compensation
Harfst and Associates Investment advisory (participants) RIA $21,203 $0 $21,203
Total $21,203 $0 $21,203

Indirect Compensation

There are no service providers with indirect compensation listed for this plan.

Service Providers Who Fail or Refuse to Provide Information

There are no service providers who failed or refused to provide information.

Termination Information on Accountants and Enrolled Actuaries

There is no termination information for this plan.

Investments

Investments

Name of Investment Investment Manager Type of Investment Dollar Value
Jh Multi-Index Ls Growth John Hancock Life Insurance Company DFE: Pooled Separate Account $3,252,447
Jh Multi-Index Ls Balanced John Hancock Life Insurance Company DFE: Pooled Separate Account $2,003,820
Jh Multi-Index Ls Moderate John Hancock Life Insurance Company DFE: Pooled Separate Account $578,033
Jh Multi-Index Ls Aggressive John Hancock Life Insurance Company DFE: Pooled Separate Account $543,102
500 Index Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $454,985
Jh Multi-Index Ls Conserv John Hancock Life Insurance Company DFE: Pooled Separate Account $364,271
T. Rowe Price Sci & Tech John Hancock Life Insurance Company DFE: Pooled Separate Account $216,591
Jh Multi-Index 2025 Lifetime John Hancock Life Insurance Company DFE: Pooled Separate Account $212,661
Total Stock Market Index Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $206,709
Invesco Opp Developing Mkt John Hancock Life Insurance Company DFE: Pooled Separate Account $170,079
Vanguard Growth Index Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $164,216
John Hancock Bond Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $136,120
Jh Multi-Index 2010 Lifetime John Hancock Life Insurance Company DFE: Pooled Separate Account $124,022
Vanguard Short-Term Federal John Hancock Life Insurance Company DFE: Pooled Separate Account $122,916
John Hancock Disciplined Value John Hancock Life Insurance Company DFE: Pooled Separate Account $118,492
T. Rowe Price Health Sci John Hancock Life Insurance Company DFE: Pooled Separate Account $115,964
Jh Multi-Index 2040 Lifetime John Hancock Life Insurance Company DFE: Pooled Separate Account $115,146
Small Cap Value Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $114,864
Blue Chip Growth Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $103,989
Jh Multi-Index 2020 Lifetime John Hancock Life Insurance Company DFE: Pooled Separate Account $101,843
Dfa U.S. Small Cap Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $95,305
Vanguard Small Cap Grow Index John Hancock Life Insurance Company DFE: Pooled Separate Account $90,236
Mid Cap Index Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $89,236
Capital Appreciation Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $87,845
T. Rowe Price Equity Inc John Hancock Life Insurance Company DFE: Pooled Separate Account $80,548
Money Market Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $78,395
Total Bond Market Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $78,335
Real Est. Securities Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $76,469
International Value Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $73,944
American Century Heritage John Hancock Life Insurance Company DFE: Pooled Separate Account $72,822
Vanguard Mid-Cap Growth Etf John Hancock Life Insurance Company DFE: Pooled Separate Account $68,634
Mfs Utilities Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $63,748
Templeton Foreign Smaller Co John Hancock Life Insuranc Company DFE: Pooled Separate Account $58,117
Templeton World John Hancock Life Insuranc Company DFE: Pooled Separate Account $58,037
Small Cap Index Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $54,256
Blackrock Global Allocation John Hancock Life Insurance Company DFE: Pooled Separate Account $52,128
Vanguard Value Index Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $50,859
The Growth Fund of America John Hancock Life Insurance Company DFE: Pooled Separate Account $49,917
T. Rowe Price New Era Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $47,762
Jh Thru 2045 Active Strategy John Hancock Life Insurance Company DFE: Pooled Separate Account $47,746
Europacific Growth Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $46,876
Jh Multi-Index 2050 Lifetime John Hancock Life Insurance Company DFE: Pooled Separate Account $45,620
Vanguard Explorer Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $45,576
Smallcap World Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $45,170
Mutual Global Discovery John Hancock Life Insurance Company DFE: Pooled Separate Account $44,807
Franklin Small-Mid Growth John Hancock Life Insurance Company DFE: Pooled Separate Account $42,547
Mid Cap Stock Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $37,969
Science & Technology Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $37,446
Dfa Emerging Markets Value John Hancock Life Insurance Company DFE: Pooled Separate Account $37,039
Fidelity Contrafund John Hancock Life Insurance Company DFE: Pooled Separate Account $36,384
New Perspective Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $35,213
Vanguard Mid-Cap Value Etf John Hancock Life Insurance Company DFE: Pooled Separate Account $31,351
Fidelity Advisor Total Bond John Hancock Life Insurance Company DFE: Pooled Separate Account $30,836
Vanguard Energy Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $27,018
Fundamental Large Cap Value John Hancock Life Insurance Company DFE: Pooled Separate Account $25,371
High Yield Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $22,840
Jh Multi-Index 2030 Lifetime John Hancock Life Insurance Company DFE: Pooled Separate Account $18,525
Jh Multi-Index 2055 Lifetime John Hancock Life Insurance Company DFE: Pooled Separate Account $15,989
Core Bond Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $14,810
Jpmorgan U.S. Equity Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $14,458
Franklin Mutual Beacon Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $14,099
Strategic Income Opp Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $13,197
Capital World Bond Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $12,886
Parnassus Core Equity Fund John Hancock Life Insurane Company DFE: Pooled Separate Account $11,369
T. Rowe Price Spectrum Inc John Hancock Life Insurance Company DFE: Pooled Separate Account $11,337
Pimco Global Bond Opps Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $10,234
Domini Impact Equity Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $9,965
Intl Equity Index Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $5,882
Invesco Oppenheimer Global John Hancock Life Insurance Company DFE: Pooled Separate Account $5,383
Dfa International Value John Hancock Life Insurance Company DFE: Pooled Separate Account $4,005
Mid Value Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $3,861
Us Government Securities John Hancock Life Insurance Company DFE: Pooled Separate Account $3,476
John Hancock Intl Growth John Hancock Life Insurance Company DFE: Pooled Separate Account $2,515
Washington Mutual Investors John Hancock Life Insurance Company DFE: Pooled Separate Account $2,362
Clearbridge Aggressive Growth John Hancock Life Insurance Company DFE: Pooled Separate Account $2,345
Fidelity Adv Leveraged Co Stk John Hancock Life Insurance Company DFE: Pooled Separate Account $2,314
Invesco Opp Intl Growth Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $2,243
Jpmorgan Midcap Value Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $1,927
Invesco Small Cap Growth John Hancock Life Insurance Company DFE: Pooled Separate Account $1,903
Royce Opportunity John Hancock Life Insurance Company DFE: Pooled Separate Account $1,784
Pimco All Asset John Hancock Life Insurance Company DFE: Pooled Separate Account $1,713
American Balanced Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $1,646
Keeley Small Cap Dividend Val John Hancock Life Insurance Company DFE: Pooled Separate Account $1,535
Tocqueville Gold Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $1,381
Small Cap Stock Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $1,365
Financial Industries Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $1,275
New World Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $1,222
Invesco International Growth John Hancock Life Insurance Company DFE: Pooled Separate Account $1,145
John Hancock Us Quality Growth John Hancock Life Insurance Company DFE: Pooled Separate Account $814
Vanguard Small Cap Value Index John Hancock Life Insurance Company DFE: Pooled Separate Account $621
Jh Multi-Index 2060 Lifetime John Hancock Life Insurance Company DFE: Pooled Separate Account $320
Invesco Oppenheimer Int'L Bond John Hancock Life Insurance Company DFE: Pooled Separate Account $289
Ivy Asset Strategy Fund John Hancock Life Insurance Company DFE: Pooled Separate Account $279
Capital Income Builder John Hancock Life Insurance Company DFE: Pooled Separate Account $111
Total $11,387,257

Insurance Information

Insurance Information

Insurance Carrier Summary Persons Covered
John Hancock Life Insurance Company 221
EIN 01-0233346
Industry Code 65838
Contract Number 45475
Contract Year 01/01/2019 — 12/31/2019
Value in General Account at Year End $0
Value in Separate Accounts at Year End $11,387,870
Insurance Fees and Commissions $11,460
Persons Receiving Commissions and Fees
Agent/Broker Organization Code Commissions Paid Fees Paid Purpose of Fees Paid
Northwest Retirement Plans, Inc. 235 Hillcrest Park Drive Medford, OR 97504 Third Party Administrator $0 $11,460 THIRD PARTY ADMINISTRATOR
Allocated Funds
Type of Contract Individual Policies
Basis of premium rates All Policies Comply W/ State & Fed.
Premiums paid to carrier $0
Premiums due but unpaid at the end of the year $0
If the carrier, service, or other organization incurred any specific costs in connection with the acquisition or retention of the contract or policy, enter amount $0
Specify the nature of the costs
Unallocated Funds
Type of Contract Guaranteed Investment
Balance at the end of the previous year $0
Additions $0
Contributions Deposited during the year $0
Dividends and credits $0
Interest credited during the year $0
Transferred from separate account $0
Other $0
Total of Balance and Additions $0
Deductions $0
Disbursed from fund to pay benefits or purchase annuities during the year $0
Administration charge made by carrier $0
Transferred to Separate Account $0
Other $0
Balance at the end of the current year $0