Retirement plan

CREATIVE DINING SERVICES, INC. RETIREMENT SAVINGS

Name: CREATIVE DINING SERVICES, INC. - CREATIVE DINING SERVICES, INC. RETIREMENT SAVINGS (2019) Form 5500
Creator: CREATIVE DINING SERVICES, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CREATIVE DINING SERVICES, INC. RETIREMENT SAVINGS, CREATIVE DINING SERVICES, INC.

CREATIVE DINING SERVICES, INC.EIN 38-2915451Plan #001PY 2019

ONE ROYAL PARK DR, STE 3 - ZEELAND, MI 49464616-748-1700creativedining.comLinkedIn1001-5000 employeeshospitality

Prospect flagsLow returnsCorrective distributions

Top hat statement on fileNQDC

Filed November 10, 2000

This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.

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Total assets (EOY)

$16.7M

+9.6% from 2018

Total participants

1,327

+2.0% from 2018

Average account balance

$15,537

+0.1% from 2018

Annual return

16.18%

+18.31 pp from 2018

Benchmarks

See 284 peers

Peer group

Industry72 - Accommodation and Food Services

Plan typeDefined contribution

Participants1,000-4,999

Cohort284 peers

Snapshot2019

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

Analytics

Total assets (EOY)

Plan-year ending balance

$18.53M

Not enough data

1 years with asset history on file

Average account balance

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

$28K

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.

671

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.

49.1%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$2.41M

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

+11.64%

Not enough data

1 years with return on file

Admin fee / account holder

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

$125

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

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Service providers

Top 10 of 12 by compensation

Provider	Service type	Compensation
MASSACHUSETTS MUTUAL LIFE INS. CO.4 years Service code 52 · EIN 04-1590850	Indirect Investment Fees	$60,225
RPA FINANCIAL, LLC1 year Filed as: RPA FINANCIAL, INC. Service code 27 · EIN 83-1143379	Advisory (Plan)	$26,895
AMERICAN REALTY ADVISORS3 years Filed as: AMERICAN BEACON Service code 52 · EIN 75-2401150	Indirect Investment Fees	$0
AMERICAN FUNDS3 years Service code 52 · EIN 95-1411037	Indirect Investment Fees	$0
DIMENSIONAL FUND ADVISORS1 year Service code 52 · EIN 36-3129984	Indirect Investment Fees	$0
FIDELITY INVESTMENTS INSTITUTIONAL1 year Filed as: FIDELITY INVESTMENTS Service code 52 · EIN 04-3365630	Indirect Investment Fees	$0
FRANKLIN TEMPLETON3 years Filed as: FRANKLINTEMPLETON Service code 52 · EIN 59-6865210	Indirect Investment Fees	$0
PIMCO FUNDS1 year Service code 52 · EIN 95-2632339	Indirect Investment Fees	$0
PRINCIPAL INVESTORS3 years Service code 52 · EIN 26-6447574	Indirect Investment Fees	$0
T ROWE PRICE RPS INC3 years Filed as: T. ROWE PRICE Service code 52 · EIN 52-1827505	Indirect Investment Fees	$0

Plan features & details

Pension benefit codes2E2J2F2G2K3D2T

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.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
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 returns
Annual investment return is in the bottom quintile of the peer cohort.
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$87K

$84 / participant

Investment mgmt$47K53.8%
Contract admin$40K46.2%

% of EOY assets

0.521%

all-in expense ratio

Categories reported

2 / 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: DELONG & BROWER, PC
Auditor EIN: 382831981
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$15,537

$26,479-41.3%

$74,722-79.2%

$77,775-80.0%

Participation rate

75.9%

37.6%+38.3pp

54.5%+21.5pp

73.2%+2.7pp

Annual return

16.18%

38.31%-22.1pp

753.11%-736.9pp

32.58%-16.4pp

Employer contribution / active EE

$245

$440-44.3%

$1,084-77.4%

$2,504-90.2%

Participant deferral / active EE

$1,291

$1,074+20.2%

$1,963-34.2%

$3,966-67.4%

Admin fee / account holder

$81

$119-32.0%

$3,335-97.6%

$100-19.2%

Provider

Service type

Compensation

MASSACHUSETTS MUTUAL LIFE INS. CO.4 years

Service code 52 · EIN 04-1590850

Indirect Investment Fees

$60,225

RPA FINANCIAL, LLC1 year

Filed as: RPA FINANCIAL, INC.

Service code 27 · EIN 83-1143379

Advisory (Plan)

$26,895

AMERICAN REALTY ADVISORS3 years

Filed as: AMERICAN BEACON

Service code 52 · EIN 75-2401150

Indirect Investment Fees

AMERICAN FUNDS3 years

Service code 52 · EIN 95-1411037

Indirect Investment Fees

DIMENSIONAL FUND ADVISORS1 year

Service code 52 · EIN 36-3129984

Indirect Investment Fees

FIDELITY INVESTMENTS INSTITUTIONAL1 year

Filed as: FIDELITY INVESTMENTS

Service code 52 · EIN 04-3365630

Indirect Investment Fees

FRANKLIN TEMPLETON3 years

Filed as: FRANKLINTEMPLETON

Service code 52 · EIN 59-6865210

Indirect Investment Fees

PIMCO FUNDS1 year

Service code 52 · EIN 95-2632339

Indirect Investment Fees

PRINCIPAL INVESTORS3 years

Service code 52 · EIN 26-6447574

Indirect Investment Fees

T ROWE PRICE RPS INC3 years

Filed as: T. ROWE PRICE

Service code 52 · EIN 52-1827505

Indirect Investment Fees

CREATIVE DINING SERVICES, INC. RETIREMENT SAVINGS

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CREATIVE DINING SERVICES, INC. RETIREMENT SAVINGS

Top hat statement on fileNQDC

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