Retirement plan

CREATIVE MANAGEMENT SERVICES, LLC 401(K) PLAN

Name: CREATIVE MANAGEMENT SERVICES, LLC - CREATIVE MANAGEMENT SERVICES, LLC 401(K) PLAN (2018) 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 2018

15 EAST MIDLAND AVENUE, SUITE 2B - PARAMUS, NJ 07652845-639-8700

Prospect flagsCorrective distributions

How to read this page

Total assets (EOY)

$32.9M

-3.9% from 2017

Total participants

350

+3.2% from 2017

Average account balance

$124,217

-2.1% from 2017

Annual return

-5.25%

-26.80 pp from 2017

Benchmarks

See 2,763 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants250-999

Cohort2,763 peers

Snapshot2018

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 2 by compensation

Provider	Service type	Compensation
SENTINEL PENSION ADVISORS4+ years Filed as: SENTINEL BENEFITS & FINANCIAL GROUP Service code 60 · EIN 20-5916766	Sub-TA Fees	$17,312
NATIONAL FINANCIAL SERVICES2 years Filed as: NATIONAL FINANCIAL SERVICES LLC Service code 19 · EIN 04-3523567	Securities Custodian	$12,194

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

$31K

$108 / participant

Investment mgmt$2K6.3%
Other / not subdivided$30K93.7%

% of EOY assets

0.096%

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

$124,217

$75,388+64.8%

$123,549+0.5%

$55,725+122.9%

Participation rate

70.9%

75.7%-4.8pp

82.3%-11.4pp

70.9%0pp

Annual return

-5.25%

4.48%-9.7pp

119.20%-124.4pp

244.93%-250.2pp

Employer contribution / active EE

$1,877

$3,063-38.7%

$4,628-59.4%

$2,078-9.7%

Participant deferral / active EE

$6,017

$5,651+6.5%

$6,426-6.4%

$3,356+79.3%

Admin fee / account holder

$119

$120-0.8%

$9,284-98.7%

$115+3.1%

Provider

Service type

Compensation

SENTINEL PENSION ADVISORS4+ years

Filed as: SENTINEL BENEFITS & FINANCIAL GROUP

Service code 60 · EIN 20-5916766

Sub-TA Fees

$17,312

NATIONAL FINANCIAL SERVICES2 years

Filed as: NATIONAL FINANCIAL SERVICES LLC

Service code 19 · EIN 04-3523567

Securities Custodian

$12,194

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