Filed October 2, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $25,832 |
Filed as: CREATIVE RETIREMENT PLAN CONSULTING Service code 49 · EIN 84-2276766 | Other Services | $10,248 |
MORNINGSTAR1 year Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $214,748 | $60,504+254.9% | $81,882+162.3% | $74,478+188.3% |
| Participation rate | 96.5% | 62.9%+33.5pp | 72.4%+24.1pp | 67.2%+29.2pp |
| Annual return | 16.98% | 16.91%+0.1pp | 779.47%-762.5pp | 1370.56%-1353.6pp |
| Employer contribution / active EE | $11,616 | $2,627+342.3% | $2,916+298.4% | $2,626+342.3% |
| Participant deferral / active EE | $8,378 | $3,400+146.4% | $4,323+93.8% | $4,350+92.6% |
| Admin fee / account holder | $180 | $1,492-88.0% | $7,360-97.6% | $1,946-90.8% |