Retirement plan

CREATIVE MANAGEMENT SERVICES, LLC 401(K) PLAN

Name: CREATIVE MANAGEMENT SERVICES, LLC - CREATIVE MANAGEMENT SERVICES, LLC 401(K) PLAN (2017) 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 2017

3 ALPINE COURT - CHESTNUT RIDGE, NY 10977845-639-8700

Prospect flagsCorrective distributions

How to read this page

Total assets (EOY)

$34.3M

+27.5% from 2016

Total participants

339

-0.3% from 2016

Average account balance

$126,923

+22.3% from 2016

Annual return

21.55%

+13.32 pp from 2016

Benchmarks

See 2,615 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants250-999

Cohort2,615 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$44.44M

Not enough data

1 years with asset history on file

Average account balance

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

$117K

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.

380

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.

97.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$2.98M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$9K

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

+21.32%

Not enough data

1 years with return on file

Admin fee / account holder

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

$38

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 2 by compensation

Provider	Service type	Compensation
SENTINEL PENSION ADVISORS3+ years Filed as: SENTINEL BENEFITS & FINANCIAL GROUP Service code 60 · EIN 20-5916766	Sub-TA Fees	$42,697
NATIONAL FINANCIAL SERVICES1 year Filed as: NATIONAL FINANCIAL SERVICES LLC Service code 19 · EIN 04-3523567	Securities Custodian	$11,832

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

1 tripped

ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$58K

$207 / participant

Investment mgmt$4K6.1%
Other / not subdivided$55K93.9%

% of EOY assets

0.169%

all-in expense ratio

Categories reported

1 / 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: RUBINBROWN LLP
Auditor EIN: 430765316
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$126,923

$155,795-18.5%

$136,298-6.9%

$69,631+82.3%

Participation rate

75.4%

75.2%+0.2pp

81.9%-6.5pp

70.7%+4.8pp

Annual return

21.55%

232464.33%-232442.8pp

5156.27%-5134.7pp

27571.02%-27549.5pp

Employer contribution / active EE

$1,966

$2,991-34.3%

$4,696-58.1%

$2,032-3.3%

Participant deferral / active EE

$5,926

$5,394+9.9%

$6,247-5.1%

$3,224+83.8%

Admin fee / account holder

$215

$128+67.7%

$9,244-97.7%

$110+94.7%

Provider

Service type

Compensation

SENTINEL PENSION ADVISORS3+ years

Filed as: SENTINEL BENEFITS & FINANCIAL GROUP

Service code 60 · EIN 20-5916766

Sub-TA Fees

$42,697

NATIONAL FINANCIAL SERVICES1 year

Filed as: NATIONAL FINANCIAL SERVICES LLC

Service code 19 · EIN 04-3523567

Securities Custodian

$11,832

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