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 | $60,393+255.6% | $81,820+162.5% | $74,429+188.5% |
| Participation rate | 96.5% | 62.9%+33.6pp | 72.4%+24.1pp | 67.2%+29.2pp |
| Annual return | 16.98% | 16.89%+0.1pp | 777.93%-761.0pp | 1368.38%-1351.4pp |
| Employer contribution / active EE | $11,616 | $2,626+342.3% | $2,915+298.5% | $2,625+342.5% |
| Participant deferral / active EE | $8,378 | $3,397+146.6% | $4,323+93.8% | $4,348+92.7% |
| Admin fee / account holder | $180 | $1,491-88.0% | $7,391-97.6% | $1,944-90.8% |