Plan Ledger DOL Form 5500 · updated monthly

Creative Office Pavilion, LLC dba Creative Office Resources401(k)

CREATIVE OFFICE PAVILION 401(K) PLAN & TRUST · BOSTON, MA · plan year 2024

Reported admin expense ratio · 2024
0.15%

Peer grade: C · admin costs + employer contributions vs same-size plans · how grading works

Creative Office Pavilion, LLC dba Creative Office Resources reported $104,672 in plan administrative expenses for 2024: 0.15% of average plan assets, above the peer median. Employer contributions averaged $1,277 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 2 years on file its reported administrative ratio rose from 0.14% to 0.15%. The plan sits in the $50M–$250M size bracket, benchmarked here against 10,352 comparable plans and shown alongside other retail trade employers. By assets it is the 530th-largest of 2,726 plans among Massachusetts employers on file, and the 492nd of 5,215 in retail trade. In 2024, employees put in $7.71 for every $1.00 the employer contributed; active participation has grown from 252 to 401 since 2022.

Plan summary
Net assets, end of year$71,798,029
Participants with balances531
Active participants401
Employer contributions$512,266
Employee contributions$3,948,097
Employer contribution per active participant$1,277
Average account balance$135,213
Benefits paid to participants$10,406,431
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$71.8M · 531 accts · $512K emplr
2023$66.2M · 531 accts · $288K emplr
2022$39.3M · 378 accts · $155K emplr
Administrative expenses, itemized · 2024
Investment management$79,125
Audit (IQPA)$47,000
Total administrative$104,672
The Creative Office Pavilion, LLC dba Creative Office Resources 401(k) match · 2024
Employer contribution per active participant$1,277
Median for plans this size$3,635
2024$1,277 per active participant
2023$837 per active participant
2022$615 per active participant

Creative Office Pavilion, LLC dba Creative Office Resources's 2024 employer contribution ran below the $3,635 median for plans its size, in the bottom quarter of its peers. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20243
COMMONWEALTH FINANCIAL NETWORK · Investment advisory (plan)$79,125
NARDELLA & TAYLOR, LLP · Accounting / audit$47,000
FIDELITY INVESTMENTS INSTITUTIONAL · Loan processingindirect comp

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Administrative cost history3
2024$104,672 · 0.15%
2023$62,767 · 0.12%
2022$62,883 · 0.14%
Same employer
Similar plansRetail Trade · Massachusetts
Destination Xl Group, Inc. MA$107.3M · 0.27%
Ahold Delhaize USA, Inc. MA$83.7M · 0.02%
Jill Acquisition LLC MA$82.9M · 0.22%
C & J Clark America, Inc. MA$71.4M · 0.50%
W. E. Aubuchon Co., Inc. MA$64.4M · 0.18%
Red Thread Spaces LLC MA$58.0M · 0.14%
Simplisafe, Inc. MA$55.3M · 0.40%

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Source: U.S. Department of Labor, Form 5500 series, EIN 043147560 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.