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Original filing (PDF)20251014061042NAL0002203153001
CREATIVE OPTIONS, INC.
Form 5500
FILING_RECEIVED
CREATIVE OPTIONS, INC. 401(K) RETIREMENT PLAN
401(k) retirement plan
Signals · 1
~113 bps in Sched C fees
Active participants
191
Accounts w/ balance
129
Plan assets (EOY)
$2.5M
Net assets (EOY)
$2.5M
How this plan invests
This plan
24 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 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
80
Knocking points off
- 113 bps in Schedule C fees — 118% above peer band of 52 bps.
- 68% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CREATIVE OPTIONS, INC..
Plan sponsor
Name
CREATIVE OPTIONS, INC.
EIN
52-1770675
Address
9409 PHILADELPHIA ROAD · ROSEDALE, MD · 21237
Phone
(410) 780-4095
Industry
Health Care & Social Assistancesee 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
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
FITZPATRICK
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 | $19K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CAMBRIDGE INVESTMENT RESEARCH, INC. | 42-1445429 | — | INVESTMENT/FINANCIAL ADVI | $10K | — |
Investments
24 direct securities· $2.3M(92% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| AMERFUNDS 2065 TARG DATERET R6 61 REGISTERED INVESTMENT COMPANY AMERFUNDS 2030 TARG DATERET R6 | Registered Investment Companies | — | — | $431K | 17.1% | |
| BLACKROCK 80 20 TARGET ALLOC K | Registered Investment Companies | — | — | $373K | 14.8% | |
| BLACKROCK 60 40 TARGET ALLOC K | Registered Investment Companies | — | — | $251K | 10.0% | |
| AMERFUNDS 2035 TARG DATERET R6 | Registered Investment Companies | — | — | $235K | 9.3% | |
| AMERFUNDS 2040 TARG DATERET R6 | Registered Investment Companies | — | — | $189K | 7.5% | |
| AMERFUNDS 2025 TARG DATERET R6 | Registered Investment Companies | — | — | $152K | 6.0% | |
| VANGUARD TREASURY MONEY MARKET | Registered Investment Companies | — | — | $117K | 4.6% | |
| AMERFUNDS 2050 TARG DATERET R6 | Registered Investment Companies | — | — | $98K | 3.9% | |
| AMERFUNDS 2045 TARG DATERET R6 | Registered Investment Companies | — | — | $96K | 3.8% | |
| BLACKROCK 40 60 TARGET ALLOC K | Registered Investment Companies | — | — | $74K | 2.9% | |
| NTW BNYM DYNAMIC US CORE R6 | Registered Investment Companies | — | — | $54K | 2.1% | |
| BLACKROCK 20 80 TARGET ALLOC K | Registered Investment Companies | — | — | $43K | 1.7% | |
| AF STRATEGIC BOND R6 | Registered Investment Companies | — | — | $37K | 1.5% | |
| BNYM WORLDWIDE GROWTH Y | Registered Investment Companies | — | — | $32K | 1.3% | |
| FIDELITY SMALL CAP VALUE INDEX | Registered Investment Companies | — | — | $31K | 1.2% | |
| FID MID CAP INDEX | Registered Investment Companies | — | — | $23K | 0.9% | |
| AMERFUNDS 2060 TARG DATERET R6 | Registered Investment Companies | — | — | $22K | 0.9% | |
| NEU LARGE CAP VALUE - R6 | Registered Investment Companies | — | — | $20K | 0.8% | |
| AMERICAN FUNDS 2055 TARGET R6 | Registered Investment Companies | — | — | $16K | 0.6% | |
| AMERFUNDS 2010 TARG DATERET R6 | Registered Investment Companies | — | — | $16K | 0.6% | |
| JPMORGAN MID CAP GROWTH R6 | Registered Investment Companies | — | — | $5K | 0.2% | |
| AMERFUNDS 2015 TARG DATERET R6 | Registered Investment Companies | — | — | $4K | 0.2% | |
| JPMORGAN LARGE CAP GROWTH R6 | Registered Investment Companies | — | — | $4K | 0.1% | |
| AMERFUNDS 2020 TARG DATERET R6 | Registered Investment Companies | — | — | $2K | <0.1% |
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