Retirement plan

CREATIVE MANAGEMENT SERVICES, LLC 401(K) PLAN

Name: CREATIVE MANAGEMENT SERVICES, LLC - CREATIVE MANAGEMENT SERVICES, LLC 401(K) PLAN (2025) Form 5500
Creator: CREATIVE MANAGEMENT SERVICES, LLC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CREATIVE MANAGEMENT SERVICES, LLC 401(K) PLAN, CREATIVE MANAGEMENT SERVICES, LLC

CREATIVE MANAGEMENT SERVICES, LLCEIN 43-1854837Plan #001PY 2025

15 EAST MIDLAND AVENUE, SUITE 2B - PARAMUS, NJ 07652551-502-5000

Prospect flagsNo flags tripped

How to read this page

Total assets (EOY)

$52.8M

+18.8% from 2024

Total participants

406

+4.4% from 2024

Average account balance

$131,329

+12.3% from 2024

Annual return

17.43%

-3.89 pp from 2024

Benchmarks

See 163 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants250-999

Cohort163 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$52.79M

Not enough data

1 years with asset history on file

Average account balance

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

$131K

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.

402

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.

98.8%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$3.39M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$10K

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

+17.43%

Not enough data

1 years with return on file

Admin fee / account holder

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

$35

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 1 by compensation

Provider	Service type	Compensation
SENTINEL PENSION ADVISORS1 year Filed as: SENTINEL BENEFITS GROUP, LLC Service code 15 · EIN 04-3015875	Recordkeeping	$14,234

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

0 tripped

No flags tripped for this filing year. This plan looks clean.

Expense breakdown

Schedule H Part II

Admin total

$14K

$42 / participant

Recordkeeping$14K100.0%

% of EOY assets

0.027%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: RUBINBROWN LLP
Auditor EIN: 430765316
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$131,329

$112,596+16.6%

$152,301-13.8%

$64,728+102.9%

Participation rate

98.8%

63.6%+35.2pp

82.4%+16.4pp

57.9%+40.9pp

Annual return

17.43%

23.76%-6.3pp

80.50%-63.1pp

49.38%-32.0pp

Employer contribution / active EE

$2,293

$3,716-38.3%

$4,624-50.4%

$2,243+2.3%

Participant deferral / active EE

$7,793

$6,075+28.3%

$8,004-2.6%

$2,729+185.5%

Admin fee / account holder

$35

$996-96.4%

$14,398-99.8%

$1,145-96.9%

Provider

Service type

Compensation

SENTINEL PENSION ADVISORS1 year

Filed as: SENTINEL BENEFITS GROUP, LLC

Service code 15 · EIN 04-3015875

Recordkeeping

$14,234

CREATIVE MANAGEMENT SERVICES, LLC 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CREATIVE MANAGEMENT SERVICES, LLC 401(K) 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