Perpetus.ai
Perpetus.ai
Monthly trust statement
Prepared for
Sample Funeral Home & Chapel
Statement period
May 1–31, 2026
Licensee
Sample Funeral Home & Chapel, LLC
1200 Magnolia Avenue, Orlando, FL 32801
Preneed License No. F019042
Trustee
Sample Trust Bank, N.A.
500 Financial Plaza, Tampa, FL 33602
Trust account
No. •••• 4821
Master preneed trust
This month, in plain English Your trust grew $18,412 to $2,147,860. You wrote 11 new contracts and serviced 4 maturities, every disbursement out in under two business days. You are compliant on services and cash-advance deposits, with one merchandise deposit $412 short — due to the trustee by June 30. Your Q2 state trust-fund remittance is on track — $168 accruing on 24 contracts, due August 29.
Ending trust value
$2,147,860
+0.9% this month
Contracts in trust
486
+11 new  ·  −4 matured
YTD return, net of fees
+4.6%
benchmark +4.1%
All-in fees YTD
$8,940
0.42% annualized

I.Trust balance reconciliation — beginning to ending

Beginning trust balance — May 1, 2026$2,129,448
Add — deposits posted to trust during May$43,287
Add — investment gain, net of all fees$19,165
Less — disbursements paid from trust($44,040)
Ending trust balance — May 31, 2026$2,147,860

II.Disbursements this month — dated register

Date Contract Purpose & payee Amount
May 3, 2026C-0188At-need maturity — disbursed to Sample Funeral Home$9,640
May 9, 2026C-0205At-need maturity — disbursed to Sample Funeral Home$12,310
May 17, 2026C-0102At-need maturity — disbursed to Sample Funeral Home$8,470
May 24, 2026C-0233At-need maturity — disbursed to Sample Funeral Home$11,410
May 28, 2026C-0241Statutory cancellation refund — disbursed to consumer$2,210
Total disbursed — ties to the reconciliation above$44,040

III.Florida deposit compliance — F.S. §497.458

Deposit category Required Deposited Status
Services — 70% of purchase price collected $21,318 $21,318 Compliant
Cash advance items — 100% $3,240 $3,240 Compliant
Merchandise — greater of 30% / 110% of wholesale $6,114 $5,702 $412 short
Needs your attention. The May merchandise deposit runs $412 short on contract C-0241, caused by a wholesale-cost recalculation. Statutory deadline: June 30 — thirty days after the close of the month in which payment was received. A corrected deposit instruction is prepared and waiting for your approval.
Due to trust by June 30 — one exception to clear first.
Quarterly — trustee FMV report
Q1 delivered Apr 12. Q2 due July 15.
Monthly — deposit deadline
May receipts: $30,260 due to trust by June 30.
Annual — preneed license renewal
Filed by April 1, approved. License year renews July 1.
Quarterly — state trust-fund remittance
Q2 accruing: $168 on 24 contracts, due Aug 29.

IV.Quarterly state trust-fund remittance — F.S. §§497.453(6), 497.456

Preneed contracts written this quarter (Q2, through May 31)25
Less — contracts cancelled within 30 days of execution(1)
Remittable contracts24
Rate per contract — $6 Regulatory + $1 Consumer Protection$7.00
Accruing this quarter — due to the State by August 29, 2026$168

These are two separate state trust funds, remitted together through PNRS within 60 days after the close of each calendar quarter, for every preneed contract written during the quarter and not cancelled within 30 days of execution. The $6 Regulatory Trust Fund payment is set by Rule 69K-5.0024 under F.S. §497.453(6). The Consumer Protection Trust Fund rate is currently $1 — the reduced floor allowed by F.S. §497.456(12), which lets the licensing authority lower the payment by rule once the fund's uncommitted balance exceeds $1 million (it has since 2023), down from the $2.50 (purchase price $1,500 or less) and $5.00 (over $1,500) tiers in §497.456(2). That reduction is reviewed annually and can revert to the full tiers.

Files both funds to the State via PNRS.

V.Activity this month

New preneed contracts written11  ·  $96,400 face
Consumer payments received$38,120  ·  142 contracts
Deposits to trust (May receipts)$30,260 queued
Maturities serviced & disbursed4  ·  $41,830  ·  1.2 days avg
Cancellations / statutory refunds1  ·  $2,210
Next matured contract — C-0263.

VI.What you paid in May

Administration$1,120
Trustee$390
Investment management$278
Total, in dollars$1,788
All-in: 0.42% annualized. No other fees exist.

VII.How the money is invested

Allocation58% investment-grade fixed income  ·  27% equities  ·  15% cash
Performance, net of all feesMay +0.9%  ·  YTD +4.6%  ·  3-yr annualized +5.2%

VIII.Other filings & exports — handled by Perpetus.ai

11 new
Register new preneed contracts
Files this month’s executed contracts with the Division and schedules trust funding.
Files Apr 1
Annual preneed license renewal
Builds the DFS-PNL-R packet continuously — financials, sales statements, net-worth test — and auto-files at the window.
Q1 ready
Trustee FMV reconciliation
Matches the trustee’s quarterly fair-market-value report to your ledger and flags any variance.
On demand
Audit-binder export
One indexed binder of every contract, deposit, statement, and license record — ready the day an examination letter arrives.
Compliance math runs nightly. Exceptions surface before deadlines, never after. Every figure ties to trustee records.

This is a concept with synthetic data for a fictional funeral home — not an actual statement, an offer of services, or legal or financial advice. It was built to be torn apart by people who know this business better. That is the point of it. Perpetus.ai  ·  2026  ·  Confidential working concept.

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