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Original filing (PDF)20251015163052NAL0010649218001
CREATIVE BUSINESS SOLUTIONS,INC.
Form 5500
FILING_RECEIVED
CREATIVE BUSINESS SOLUTIONS, INC. 401(K) PROFIT SHARING PLAN
401(k) retirement plan
Signals · 1
26% in single holding
Active participants
64
Accounts w/ balance
119
Plan assets (EOY)
$5.3M
Net assets (EOY)
$5.3M
How this plan invests
This plan
19 pooled trusts
Schedule D
33 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
92
/ 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
80
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "Participant Loans" is 26% of plan.
- 75 bps in Schedule C fees — modestly above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CREATIVE BUSINESS SOLUTIONS,INC..
Plan sponsor
Name
CREATIVE BUSINESS SOLUTIONS,INC.
EIN
80-0501539
Address
13003 WINDING CREEK RD · BOWIE, MD · 20721
Phone
(202) 889-0555
Industry
Professional & Technical 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
2025-10-15
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
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
PENAN & SCOTT P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MERRILL LYNCH PIERCE FENNER & SMITH | 13-5674085 | — | CONSULTANT | $15K | — |
TPA / Administrator
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $21K | — |
| PRIME BENEFITS, INC. | 52-2204662 | — | CONTRACT ADMINISTRATOR | $3K | — |
Investments
23 direct securities · 19 pooled funds· $6.5M(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.
Common Collective Trust
$3.5M
12 holdings
Uncategorized
$2.2M
23 holdings
Pooled Separate Account
$846K
7 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PRIN LIFETIME HYBR 2025 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 004 | Common Collective Trust | — | — | $1.3M | 24.1% | |
| Participant Loans | — | — | $0 | $1.3M | 24.1% | |
| PRIN LIFETIME HYBR 2030 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 005 | Common Collective Trust | — | $0 | $831K | 15.8% | |
| PRIN LGCP S&P 500 INDEX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 016 | Pooled Separate Account | — | $0 | $613K | 11.6% | |
| PRIN LIFETIME HYBR 2045 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 008 | Common Collective Trust | — | $0 | $596K | 11.3% | |
| PRIN LIFETIME HYBR 2050 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 009 | Common Collective Trust | — | $0 | $249K | 4.7% | |
| PRIN LIFETIME HYBR 2035 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 006 | Common Collective Trust | — | $0 | $137K | 2.6% | |
| Prin Intl Equity Index SA-Z | — | — | $0 | $136K | 2.6% | |
| Prin MidCap S&P 400 Idx SA-Z | — | — | $0 | $120K | 2.3% | |
| PRIN LIFETIME HYBR 2055 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 010 | Common Collective Trust | — | — | $120K | 2.3% | |
| PRIN MIDCAP S&P 400 IDX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 023 | Pooled Separate Account | — | — | $116K | 2.2% | |
| Prin Real Estate Secs SA-Z | — | — | $0 | $116K | 2.2% | |
| Western Asset Cr Pls Bd IS Fd | — | — | $0 | $101K | 1.9% | |
| PRIN LIFETIME HYBR 2065 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 013 | Common Collective Trust | — | $0 | $79K | 1.5% | |
| PRIN LIFETIME HYBR 2040 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 007 | Common Collective Trust | — | $0 | $78K | 1.5% | |
| Am Fds Grth Fd of Am R6 Fund | — | — | $0 | $74K | 1.4% | |
| AB Global Bond Z Fund | — | — | $0 | $66K | 1.3% | |
| PRIN LIFETIME HYBR 2020 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 003 | Common Collective Trust | — | $0 | $61K | 1.2% | |
| Macquarie International Core E | — | — | $0 | $56K | 1.1% | |
| JanusHenderson Triton N | — | — | $0 | $45K | 0.9% | |
| PRIN CORE FIX INC SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 118 | Pooled Separate Account | — | — | $45K | 0.9% | |
| Hartford MidCap R6 Fund | — | — | $0 | $40K | 0.8% | |
| Inv Int'l Div R6Fund | — | — | $0 | $35K | 0.7% | |
| PRIN LIFETIME HYBR 2060 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 012 | Common Collective Trust | — | $0 | $32K | 0.6% | |
| PRIN INTL EQUITY INDEX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 121 | Pooled Separate Account | — | — | $32K | 0.6% | |
| Prin Fixed Inc Guar Option | — | — | $0 | $32K | 0.6% | |
| Prin Govt & HQ Bond SA-Z | — | — | $0 | $28K | 0.5% | |
| PRIN LIFETIME HYBR INC CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 011 | Common Collective Trust | — | — | $28K | 0.5% | |
| PRIN SMCAP S&P 600 INDEX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 028 | Pooled Separate Account | — | — | $21K | 0.4% | |
| Prin LifeTime Hybr 2045 CIT Z | — | — | $0 | $21K | 0.4% | |
| AB Discovery Value Z Fund | — | — | $0 | $16K | 0.3% | |
| PRIN LIFETIME HYBR 2015 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 002 | Common Collective Trust | — | $0 | $13K | 0.3% | |
| PRIN GOVT & HQ BOND SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 007 | Pooled Separate Account | — | — | $13K | 0.3% | |
| Prin Core Fix Inc Sep Acct-Z | — | — | $0 | $13K | 0.3% | |
| American Funds NewPrsp R6 Fnd | — | — | $0 | $10K | 0.2% | |
| Templeton Foreign R6 Fund | — | — | $0 | $6K | 0.1% | |
| Prin LifeTime Hybr 2040 CIT Z | — | — | $0 | $5K | <0.1% | |
| PRIN REAL ESTATE SECS SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 095 | Pooled Separate Account | — | — | $5K | <0.1% | |
| Invesco Grwth and Income R6 Fd | — | — | $0 | $1K | <0.1% | |
| PGIM High Yield R6 Fund | — | — | $0 | $1K | <0.1% | |
| Prin SmCap S&P 600 Index SA-Z | — | — | $0 | $909 | <0.1% | |
| Prin LifeTime Hybr Inc CIT Z | — | — | $0 | $450 | <0.1% |
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