Original filing (PDF)20260303102743NAL0001934465001

CREATIVE ALTERNATIVES, INC.

Name: CREATIVE ALTERNATIVES, INC. — CREATIVE ALTERNATIVES, INC RETIREMENT PLAN & TRUST, Form 5500 (2024)
Creator: CREATIVE ALTERNATIVES, INC.

Form 5500

FILING_RECEIVED

CREATIVE ALTERNATIVES, INC RETIREMENT PLAN & TRUST

Defined-contribution retirement plan

Active participants

204

Accounts w/ balance

235

Plan assets (EOY)

$10.0M

Net assets (EOY)

$10.0M

How this plan invests

This plan

1 pooled trust

Schedule D

39 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score (directional)

/ 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

Vendor stack

100

Participation health

100

Knocking points off

56 bps in Schedule C fees — 93% above peer band of 29 bps.

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CREATIVE ALTERNATIVES, INC..

Plan sponsor

Name

CREATIVE ALTERNATIVES, INC.

EIN

94-2378380

Address

2855 GEER ROAD · TURLOCK, CA · 95382

Phone

(209) 668-9361

Industry

Health Care & Social Assistancesee all

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

003

Plan year

2024

Plan year begin

2024-07-01

Tax period

2025-06-30

Filed

2026-03-03

Pension benefit codes

2A · Age/service weighted or new comparability

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2K · 401(m) arrangement

2S · Automatic enrollment

2T · Default investment account (QDIA)

3D · Pre-approved plan (master / prototype / VS)

Audit & trust (Schedule H)

Auditor

ATHERTON & ASSOCIATES, LLP

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

2 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
TRANSAMERICA RETIREMENT SOLUTIONS	13-3689044	—	RECORD KEEPER	$37K	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
MERRILL LYNCH, PIERCE, FENNER & S	13-5674085	—	INVESTMENT ADVISOR	$19K	—

Investments

38 direct securities · 1 pooled fund· $10.0M(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

$9.7M

38 holdings

Common Collective Trust

$323K

1 holding

Investment	Type	Shares / units	Cost	Current value	% of plan
State Street Bank and Trust Company - BlackRock LifePath Index 2035 Mutual Fund N/A	—	—	—	$1.4M	14.4%
State Street Bank and Trust Company - American Funds Capital Income Bldr Mutual Fund N/A	—	—	—	$1.2M	12.2%
State Street Bank and Trust Company - AB Large Cap Growth Mutual Fund N/A	—	—	—	$1.1M	10.8%
State Street Bank and Trust Company - American Funds Washington Mutual Fund N/A	—	—	—	$1.1M	10.7%
State Street Bank and Trust Company - BlackRock LifePath Index 2040 Mutual Fund N/A	—	—	—	$907K	9.1%
State Street Bank and Trust Company - BlackRock LifePath Index 2045 Mutual Fund N/A	—	—	—	$610K	6.1%
State Street Bank and Trust Company - BlackRock LifePath Index 2050 Mutual Fund N/A	—	—	—	$596K	6.0%
State Street Bank and Trust Company - BlackRock LifePath Index Retirement Mutual Fund N/A	—	—	—	$549K	5.5%
State Street Bank and Trust Company - BlackRock LifePath Index 2030 Mutual Fund N/A	—	—	—	$545K	5.4%
State Street Bank and Trust Company - PGIM Total Return Bond Mutual Fund N/A	—	—	—	$366K	3.7%
INVESCO STABLE VALUE RETIREMENT CL INVESCO · EIN 27-3868124 / PN 001	Common Collective Trust	—	—	$323K	3.2%
State Street Bank and Trust Company - Notes receivable from participants Interest rates at 3.25% to 8.50% N/A	—	—	—	$297K	3.0%
Lincoln National Life Insurance Company - Fixed Account Stable Value Fund N/A	—	—	—	$238K	2.4%
State Street Bank and Trust Company - American Funds Europacific Growth Mutual Fund N/A	—	—	—	$101K	1.0%
State Street Bank and Trust Company - BlackRock LifePath Index 2055 Mutual Fund N/A	—	—	—	$92K	0.9%
Lincoln National Life Insurance Company - LVIP Blended Lrg Cap Growth Mngd Voltlty Pooled Separate Account N/A	—	—	—	$85K	0.8%
Lincoln National Life Insurance Company - LVIP Macquarie Social Awareness Pooled Separate Account N/A	—	—	—	$55K	0.6%
State Street Bank and Trust Company - American Funds Fundamental Invs Mutual Fund N/A	—	—	—	$49K	0.5%
State Street Bank and Trust Company - BlackRock FedFund Class Instl Mutual Fund N/A	—	—	—	$48K	0.5%
State Street Bank and Trust Company - BlackRock GNMA Instl Mutual Fund N/A	—	—	—	$39K	0.4%
State Street Bank and Trust Company - Janus Henderson Developed World Bond Mutual Fund N/A	—	—	—	$32K	0.3%
State Street Bank and Trust Company - Transamerica International Equity Mutual Fund N/A	—	—	—	$29K	0.3%
State Street Bank and Trust Company - BlackRock LifePath Index 2060 Mutual Fund N/A	—	—	—	$29K	0.3%
State Street Bank and Trust Company - Virtus Ceredex Mid Cap Value Equity Mutual Fund N/A	—	—	—	$28K	0.3%
State Street Bank and Trust Company - iShares S&P 500 Index Mutual Fund N/A	—	—	—	$26K	0.3%
Lincoln National Life Insurance Company - LVIP T. Rowe Price Structured Mid-Cap Growth Pooled Separate Account N/A	—	—	—	$22K	0.2%
State Street Bank and Trust Company - BlackRock Advantage Small Cap Gr Instl Mutual Fund N/A	—	—	—	$19K	0.2%
State Street Bank and Trust Company - iShares Russell Mid-Cap Index Mutual Fund N/A	—	—	—	$18K	0.2%
Lincoln National Life Insurance Company - LVIP Dimensional U.S. Core Equity Pooled Separate Account N/A	—	—	—	$16K	0.2%
State Street Bank and Trust Company - iShares Russell 2000 Small Cap Index Mutual Fund N/A	—	—	—	$14K	0.1%
State Street Bank and Trust Company - AB Discovery Growth Mutual Fund N/A	—	—	—	$13K	0.1%
State Street Bank and Trust Company - BlackRock Inflation Protected Bond Mutual Fund N/A	—	—	—	$9K	<0.1%
Lincoln National Life Insurance Company - American Funds Growth Pooled Separate Account N/A	—	—	—	$8K	<0.1%
State Street Bank and Trust Company - Allsprings Special Small Cap Value Mutual Fund N/A	—	—	—	$8K	<0.1%
State Street Bank and Trust Company - Neuberger Berman Real Estate Mutual Fund N/A	—	—	—	$8K	<0.1%
Lincoln National Life Insurance Company - LVIP Macquarie Value Series Pooled Separate Account N/A 885 * Lincoln National Life Insurance Company - LVIP Macquarie Bond Pooled Separate Account N/A	—	—	—	$6K	<0.1%
State Street Bank and Trust Company - American Funds New World Mutual Fund N/A	—	—	—	$3K	<0.1%
Lincoln National Life Insurance Company - LVIP JP Morgan Retirement Income Pooled Separate Account N/A 899 * Lincoln National Life Insurance Company - LVIP SSGA Small-Cap Index Pooled Separate Account N/A	—	—	—	$3K	<0.1%
State Street Bank and Trust Company - Morgan Stanley Inst Growth Mutual Fund N/A	—	—	—	$1K	<0.1%