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 | $60,454+255.2% | $81,844+162.4% | $74,459+188.4% |
| Participation rate | 96.5% | 63.0%+33.5pp | 72.4%+24.1pp | 67.2%+29.2pp |
| Annual return | 16.98% | 16.87%+0.1pp | 778.87%-761.9pp | 1369.70%-1352.7pp |
| Employer contribution / active EE | $11,616 | $2,630+341.8% | $2,916+298.3% | $2,626+342.4% |
| Participant deferral / active EE | $8,378 | $3,398+146.5% | $4,323+93.8% | $4,350+92.6% |
| Admin fee / account holder | $180 | $1,490-88.0% | $7,355-97.6% | $1,945-90.8% |