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Original filing (PDF)20250317141852NAL0001699585001
CREATE, INC.
Form 5500
FILING_RECEIVED
SECTION 403(B) REIREMENT PLAN FOR CREATE, INC.
403(b) retirement plan
Signals · 3
Late filing · 28.0 mo39% in single holding~1109 bps in Sched C fees
Active participants
49
Accounts w/ balance
95
Plan assets (EOY)
$210K
Net assets (EOY)
$210K
How this plan invests
This plan
10 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
80
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
75
Concentration risk
81
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- Filed 28.0 months past the 10.5-month grace window.
- Top holding "Nationwide Fixed Income Contract N/R" is 39% of plan.
- 1109 bps in Schedule C fees — 602% above peer band of 158 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CREATE, INC..
Plan sponsor
Name
CREATE, INC.
EIN
13-2739938
Address
760 EAST 160TH STREET · BRONX, NY · 10456
Phone
(718) 401-5755
Industry
Health Care & Social Assistancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2021-01-01
Tax period
2021-12-31
Filed
2025-03-17
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2L · 403(b)(1) annuity
2M · 403(b)(7) custodial accounts
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
BAKER TILLY US, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NATIONWIDE | 31-4156830 | COLUMBUS, OH | RECORDKEEPER | $12K | — |
Broker
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GLOBAL RETIREMENT PARTNERS LLC | — | SAN RAFAEL, CA | BROKER | $5K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PENTEGRA SERVICES INC. | 13-3892096 | BLACKLICK, OH | TPA | $6K | — |
Investments
10 direct securities· $210K(100% of reported assets)
Guaranteed Income / GIC
$81K
1 holding
Mutual Funds
$66K
1 holding
Uncategorized
$63K
8 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| * Nationwide Fixed Income Contract N/R | Guaranteed Income / GIC | — | — | $81K | 38.5% | |
| Vanguard Balanced Index Fund Admiral Shares N/R | Mutual Funds | — | — | $66K | 31.6% | |
| Vanguard Wellesley Income Admiral N/R | — | — | — | $14K | 6.7% | |
| Vanguard Intermediate-Term Tax-Exempt Fund Admiral Shares N/R | — | — | — | $13K | 6.3% | |
| Vanguard Emerging Markets Stock Index Fund; Admiral N/R 445 Vanguard Growth Index Admiral N/R | — | — | — | $12K | 5.6% | |
| Vanguard Mid-Cap Index Fund N/R 572 Vanguard Small Cap Index Fund N/R | — | — | — | $7K | 3.3% | |
| Vanguard Value Index Fund, Admiral N/R | — | — | — | $7K | 3.1% | |
| Fidelity US Bond Index Fund N/R | — | — | — | $6K | 2.6% | |
| Vanguard Institutional Total Stock Market Index Fund N/R 313 Vanguard Developed Market Index Admiral N/R | — | — | — | $3K | 1.4% | |
| Participant Loans Interest rates: 4.25% - 5.75% $0 | — | — | — | $2K | 0.7% |
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