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Original filing (PDF)20251010055805NAL0004377203001
CREATIVE DINING SERVICES, INC.
Form 5500
FILING_RECEIVED
CREATIVE DINING SERVICES, INC. RETIREMENT SAVINGS PLAN
401(k) retirement plan
Active participants
953
Accounts w/ balance
671
Plan assets (EOY)
$18.5M
Net assets (EOY)
$18.5M
How this plan invests
This plan
11 pooled trusts
Schedule D
22 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
100
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- 45 bps in Schedule C fees — 56% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CREATIVE DINING SERVICES, INC..
Plan sponsor
Name
CREATIVE DINING SERVICES, INC.
EIN
38-2915451
Address
ONE ROYAL PARK DRIVE, SUITE 3 · ZEELAND, MI · 49464
Phone
(616) 931-3022
Industry
Accommodation & Food Servicessee 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
2025-10-10
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
DELONG & BROWER PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ADP, INC. | 13-3036745 | — | RECORD KEEPER | $58K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| RPA FINANCIAL, LLC | 83-1143379 | — | INVESTMENT/FINANCIAL ADVI | $26K | — |
Investments
11 direct securities · 11 pooled funds· $18.4M(99% 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.
Common Collective Trust
$15.6M
11 holdings
OTHER
$1.5M
1 holding
Registered Investment Companies
$1.3M
10 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PRINCIPAL LT HY 2025 Z PRINCIPAL GLOBAL INV TRUST · EIN 26-6447574 / PN 004 | Common Collective Trust | — | — | $3.1M | 16.7% | |
| PRINCIPAL LT HY 2030 Z PRINCIPAL GLOBAL INV TRUST · EIN 26-6447574 / PN 005 | Common Collective Trust | — | — | $2.1M | 11.3% | |
| PRINCIPAL LT HY 2040 Z PRINCIPAL GLOBAL INV TRUST · EIN 26-6447574 / PN 007 | Common Collective Trust | — | — | $2.1M | 11.2% | |
| PRINCIPAL LT HY 2050 Z PRINCIPAL GLOBAL INV TRUST · EIN 26-6447574 / PN 009 | Common Collective Trust | — | — | $1.8M | 9.8% | |
| INVESTMENTS LINCOLN STABLE VALUE SEP ACCT | OTHER | — | — | $1.5M | 8.2% | |
| PRINCIPAL LT HY 2045 Z PRINCIPAL GLOBAL INV TRUST · EIN 26-6447574 / PN 008 | Common Collective Trust | — | — | $1.4M | 7.5% | |
| PRINCIPAL LT HY 2055 Z PRINCIPAL GLOBAL INV TRUST · EIN 26-6447574 / PN 010 | Common Collective Trust | — | — | $1.4M | 7.5% | |
| PRINCIPAL LT HY 2035 Z PRINCIPAL GLOBAL INV TRUST · EIN 26-6447574 / PN 006 | Common Collective Trust | — | — | $1.3M | 7.2% | |
| PRINCIPAL LT HY 2020 Z PRINCIPAL GLOBAL INV TRUST · EIN 26-6447574 / PN 003 | Common Collective Trust | — | — | $1.2M | 6.7% | |
| FID 500 IND | Registered Investment Companies | — | — | $633K | 3.4% | |
| PRINCIPAL LT HY 2015 Z PRINCIPAL GLOBAL INV TRUST · EIN 26-6447574 / PN 002 | Common Collective Trust | — | — | $613K | 3.3% | |
| PRINCIPAL LT HY 2060 Z PRINCIPAL GLOBAL INV TRUST · EIN 26-6447574 / PN 012 | Common Collective Trust | — | — | $476K | 2.6% | |
| JPMORGAN LARGE CAP GROWTH R6 | Registered Investment Companies | — | — | $182K | 1.0% | |
| FID MID CAP INDEX | Registered Investment Companies | — | — | $85K | 0.5% | |
| FID SMALL CAP INDEX | Registered Investment Companies | — | — | $84K | 0.5% | |
| VANGUARD EXPLORER ADMIN | Registered Investment Companies | — | — | $81K | 0.4% | |
| DFA US TARGETED VAL PORT INST | Registered Investment Companies | — | — | $74K | 0.4% | |
| PIMCO INCOME FUND - INSTL | Registered Investment Companies | — | — | $71K | 0.4% | |
| PRINCIPAL LT HY INC Z PRINCIPAL GLOBAL INV TRUST · EIN 26-6447574 / PN 011 | Common Collective Trust | — | — | $55K | 0.3% | |
| MFS INTL DIVERSIFICATION R6 | Registered Investment Companies | — | — | $33K | 0.2% | |
| FID TOTAL INTERNATIONAL INDEX | Registered Investment Companies | — | — | $26K | 0.1% | |
| TCW METWEST TOTAL RET BOND PL | Registered Investment Companies | — | — | $8K | <0.1% |