Retirement plan

CREATIVE HEALTH SERVICES, INC. 401(K) & PROFIT SHARING PLAN

Name: CREATIVE HEALTH SERVICES, INC - CREATIVE HEALTH SERVICES, INC. 401(K) & PROFIT SHARING PLAN (2016) Form 5500
Creator: CREATIVE HEALTH SERVICES, INC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CREATIVE HEALTH SERVICES, INC. 401(K) & PROFIT SHARING PLAN, CREATIVE HEALTH SERVICES, INC

CREATIVE HEALTH SERVICES, INCEIN 23-1522060Plan #002PY 2016

11 ROBINSON STREET - POTTSTOWN, PA 19464484-941-0500creativehs.orgLinkedIn201-500 employeesmental health care

Prospect flagsLow employer contributionLow fidelity bond

How to read this page

Total assets (EOY)

$2.6M

+16.7% from 2015

Total participants

160

-4.2% from 2015

Average account balance

$18,800

+20.1% from 2015

Annual return

8.27%

+9.96 pp from 2015

Benchmarks

See 5,140 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants100-249

Cohort5,140 peers

Snapshot2016

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$8.11M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$27K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

306

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

96.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$826K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$3K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+15.14%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$25

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

Free accounts unlock saves, downloads, and 3-year history.

Service providers

Top 3 by compensation

Provider	Service type	Compensation
BERGIN ROBERTS & CO, LLC2+ years Service code 15 · EIN 26-4567336	Recordkeeping	$9,353
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745	Recordkeeping	$6,851
ADP BROKER-DEALER2+ years Service code 59 · EIN 22-3319984	Shareholder Servicing	$0

Plan features & details

Pension benefit codes2E2F2G2J2T3D

Plan features

2E
Profit-sharing
Profit-sharing plan.
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 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of 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
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

Opportunity flags

2 tripped

OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.
ComplianceLow fidelity bond
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).

Expense breakdown

Schedule H Part II

Admin total

$21K

$154 / participant

Other / not subdivided$21K100.0%

% of EOY assets

0.802%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Disclaimer opinion

Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.

Auditor firm: MAILLIE
Auditor EIN: 231518888
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$18,800

$46,732-59.8%

$156,551-88.0%

$55,167-65.9%

Participation rate

85.4%

65.8%+19.6pp

84.0%+1.4pp

69.0%+16.4pp

Annual return

8.27%

17.72%-9.4pp

32.23%-24.0pp

169.23%-161.0pp

Employer contribution / active EE

$235

$2,105-88.8%

$5,501-95.7%

$1,963-88.0%

Participant deferral / active EE

$1,432

$2,204-35.0%

$4,871-70.6%

$3,054-53.1%

Admin fee / account holder

$151

$418-64.0%

$13,028-98.8%

$504-70.1%

Provider

Service type

Compensation

BERGIN ROBERTS & CO, LLC2+ years

Service code 15 · EIN 26-4567336

Recordkeeping

$9,353

ADP BROKER-DEALER2+ years

Filed as: ADP, LLC

Service code 15 · EIN 13-3036745

Recordkeeping

$6,851

ADP BROKER-DEALER2+ years

Service code 59 · EIN 22-3319984

Shareholder Servicing

CREATIVE HEALTH SERVICES, INC. 401(K) & PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CREATIVE HEALTH SERVICES, INC. 401(K) & PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion