Creative Dining Services, Inc. 401(k) Review & Grade
Creative Dining Services, Inc. Retirement Savings Plan
Zeeland, MIAccommodation & Food Services1,023 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$570Employer $ per active participant
$1,746Employee $ saved per active participant
0.49%Direct admin cost, % of plan assets
$18.5MNet plan assets, end of year
$27,614Average balance per account
Score breakdown
- Employer generosity37.2 / 5074th percentile for employer $ per participant
- Low cost6.0 / 2524th percentile for low admin cost vs. same-size plans
- Employee saving12.3 / 1582th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score56 / 100 · Grade C
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 74th |
| Lower admin cost | 24th |
| Employee saving | 82th |
| Peers that auto-enroll | 17% |
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Red flags from the filing
Corrective distributions: the plan refunded $25,670 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Creative Dining Services put in about $570 per active participant, more than the typical peer ($266). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Direct plan expenses (0.49% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $583,224 |
| Participant (employee) contributions | $1,786,301 |
| Other contributions (incl. rollovers in) | $123,294 |
| Administrative expenses paid from the plan | $83,845 |
| Investment advisory & management fees | $25,543 |
| Benefits paid out | $1,484,212 |
| Net assets, start / end of year | $15.8M / $18.5M |
| Active participants, start / end of year | 1,093 / 953 |
| Participants with account balances | 671 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Delong & Brower Cpas PLLC |
Largest service providers (Schedule C)
| Adp, Inc. | $58,302 reported compensation |
| Rpa Financial, LLC | $25,543 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260914081117NAL0001586960001, received 2026-09-14, EIN 38-2915451, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.