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Original filing (PDF)20251014082749NAL0001115123001
CALIFORNIA CREATIVE SOLUTIONS INC
Form 5500
FILING_RECEIVED
CALIFORNIA CREATIVE SOLUTIONS INC 401(K) PLAN
401(k) retirement plan
Signals · 3
27% in single holding~88 bps in Sched C feesNo recordkeeper disclosed
Active participants
215
Accounts w/ balance
193
Plan assets (EOY)
$2.3M
Net assets (EOY)
$2.3M
How this plan invests
This plan
2 pooled trusts
Schedule D
20 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
87
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
87
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Fidelity Frdm Idx 2065 Inv Fd" is 27% of plan.
- 88 bps in Schedule C fees — 69% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CALIFORNIA CREATIVE SOLUTIONS INC.
Plan sponsor
Name
CALIFORNIA CREATIVE SOLUTIONS INC
EIN
33-0762869
Address
13475 DANIELSON STREET · SUITE 230 · POWAY, CA · 92064
Phone
(858) 208-4135
Industry
Admin Support & Waste Mgmtsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
KNAV CPA LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsTPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $20K | — |
Investments
20 direct securities · 2 pooled funds· $2.3M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Uncategorized
$2.3M
20 holdings
Pooled Separate Account
$3K
1 holding
Common Collective Trust
$370
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Frdm Idx 2065 Inv Fd | — | — | $0 | $612K | 26.6% | |
| Fidelity Frdm Idx 2060 Inv Fd | — | — | $0 | $392K | 17.0% | |
| Fidelity Frdm Idx 2055 Inv Fd | — | — | $0 | $276K | 12.0% | |
| Fidelity Frdm Idx 2045 Inv Fd | — | — | $0 | $204K | 8.9% | |
| Fidelity Frdm Idx 2050 Inv Fd | — | — | $0 | $161K | 7.0% | |
| Fidelity Total Int Idx Fund | — | — | $0 | $140K | 6.1% | |
| BlackRock Md-Cp Gr Eq K Fd | — | — | $0 | $92K | 4.0% | |
| Prin Core Plus Bond Sep Acct-Z | — | — | $0 | $90K | 3.9% | |
| Fidelity Frdm Idx 2040 Inv Fd | — | — | $0 | $82K | 3.6% | |
| Fidelity Frdm Idx 2030 Inv Fd | — | — | $0 | $71K | 3.1% | |
| Fidelity 500 Index Fund | — | — | $0 | $62K | 2.7% | |
| Fidelity Frdm Idx 2035 Inv Fd | — | — | $0 | $53K | 2.3% | |
| Vanguard Mid Cap Index Adm Fd | — | — | $0 | $29K | 1.2% | |
| Fidelity Frdm Idx 2025 Inv Fd | — | — | $0 | $11K | 0.5% | |
| Principal Stable Value Z Fund | — | — | $0 | $11K | 0.5% | |
| Columbia Div Income I3 Fund | — | — | $0 | $7K | 0.3% | |
| Fidelity Frdm Idx Inc Inv Fd | — | — | $0 | $3K | 0.1% | |
| MFS Growth R6 Fund | — | — | $0 | $3K | 0.1% | |
| PRIN CORE PLUS BOND SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 005 | Pooled Separate Account | — | — | $3K | 0.1% | |
| Fidelity Frdm Idx 2020 Inv Fd | — | — | $0 | $3K | 0.1% | |
| Vanguard Sm Cap Index Adm Fund | — | — | $0 | $370 | <0.1% | |
| PRINCIPAL STABLE VALUE Z FUND PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 93-6274328 / PN 001 | Common Collective Trust | — | — | $370 | <0.1% |
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