401k Plan data: CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST plan

CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 401k Plan overview

Plan Name	CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST
Plan identification number	001

CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Age/Service Weighted or new comparability or similar plan - Age/Service Weighted Plan: Allocations are based on age, service, or age and service. New comparability or similar plan: Allocations are based on participant classifications and a classification(s) consists entirely or predominantly of highly compensated employees; or the plan provides an additional allocation rate on compensation above a specified threshold, and the theshold or additional rate exceeds the maximum threshold or rate allowed under the permitted disparity rules of section 401(l).
Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.

401k Sponsoring company profile

CREATIVE BUSINESS SOLUTIONS, INC. has sponsored the creation of one or more 401k plans.

Company Name: CREATIVE BUSINESS SOLUTIONS, INC.

Employer identification number (EIN): 800501539

NAIC Classification: 541600

Form 5500 Filing Information

Submission information for form 5500 for 401k plan CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2023-01-01 ROBERT PALMER 2024-10-10
001 2022-01-01 ROBERT PALMER 2023-10-11
001 2021-01-01 ROBERT PALMER 2022-10-11
001 2020-01-01 ROBERT PALMER 2021-10-07
001 2019-01-01
001 2018-01-01
001 2017-01-01 ROBERT PALMER
001 2016-01-01 RUBY SAMUELS RUBY SAMUELS 2017-10-16
001 2016-01-01 ROBERT PALMER ROBERT PALMER 2017-12-15
001 2015-01-01 RUBY SAMUELS 2016-06-13
001 2014-01-01 ROBERT PALMER 2015-07-17 ROBERT PALMER 2015-07-17
001 2013-01-01 ROBERT PALMERR 2014-06-17
001 2012-01-01 CREATIVE BUSINESS SOLUTIONS IN 2013-07-31
001 2011-01-01 CREATIVE BUSINESS SOLUTIONS IN 2013-07-31

Plan id#	Filing Submission Date	Name of Administrator	Date Administrator Signed	Name of Company Sponsor	Date Sponsor Signed
001	2023-01-01	ROBERT PALMER	2024-10-10
001	2022-01-01	ROBERT PALMER	2023-10-11
001	2021-01-01	ROBERT PALMER	2022-10-11
001	2020-01-01	ROBERT PALMER	2021-10-07
001	2019-01-01
001	2018-01-01
001	2017-01-01	ROBERT PALMER
001	2016-01-01	RUBY SAMUELS		RUBY SAMUELS	2017-10-16
001	2016-01-01	ROBERT PALMER		ROBERT PALMER	2017-12-15
001	2015-01-01	RUBY SAMUELS	2016-06-13
001	2014-01-01	ROBERT PALMER	2015-07-17	ROBERT PALMER	2015-07-17
001	2013-01-01	ROBERT PALMERR	2014-06-17
001	2012-01-01	CREATIVE BUSINESS SOLUTIONS IN	2013-07-31
001	2011-01-01	CREATIVE BUSINESS SOLUTIONS IN	2013-07-31

Plan Statistics for CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST

401k plan membership statisitcs for CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST

Measure Date Value
2023: CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2023 401k membership
Total participants, beginning-of-year 2023-01-01 144
Total number of active participants reported on line 7a of the Form 5500 2023-01-01 63
Number of retired or separated participants receiving benefits 2023-01-01 3
Number of other retired or separated participants entitled to future benefits 2023-01-01 64
Total of all active and inactive participants 2023-01-01 130
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2023-01-01 0
Total participants 2023-01-01 130
Number of participants with account balances 2023-01-01 113
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2023-01-01 4
2022: CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2022 401k membership
Total participants, beginning-of-year 2022-01-01 200
Total number of active participants reported on line 7a of the Form 5500 2022-01-01 71
Number of retired or separated participants receiving benefits 2022-01-01 8
Number of other retired or separated participants entitled to future benefits 2022-01-01 72
Total of all active and inactive participants 2022-01-01 151
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2022-01-01 0
Total participants 2022-01-01 151
Number of participants with account balances 2022-01-01 131
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2022-01-01 10
2021: CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2021 401k membership
Total participants, beginning-of-year 2021-01-01 247
Total number of active participants reported on line 7a of the Form 5500 2021-01-01 100
Number of retired or separated participants receiving benefits 2021-01-01 7
Number of other retired or separated participants entitled to future benefits 2021-01-01 99
Total of all active and inactive participants 2021-01-01 206
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2021-01-01 0
Total participants 2021-01-01 206
Number of participants with account balances 2021-01-01 175
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2021-01-01 0
2020: CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2020 401k membership
Total participants, beginning-of-year 2020-01-01 252
Total number of active participants reported on line 7a of the Form 5500 2020-01-01 102
Number of retired or separated participants receiving benefits 2020-01-01 4
Number of other retired or separated participants entitled to future benefits 2020-01-01 139
Total of all active and inactive participants 2020-01-01 245
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2020-01-01 0
Total participants 2020-01-01 245
Number of participants with account balances 2020-01-01 215
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2020-01-01 2
2019: CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2019 401k membership
Total participants, beginning-of-year 2019-01-01 258
Total number of active participants reported on line 7a of the Form 5500 2019-01-01 109
Number of retired or separated participants receiving benefits 2019-01-01 0
Number of other retired or separated participants entitled to future benefits 2019-01-01 143
Total of all active and inactive participants 2019-01-01 252
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2019-01-01 0
Total participants 2019-01-01 252
Number of participants with account balances 2019-01-01 250
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2019-01-01 15
2018: CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2018 401k membership
Total participants, beginning-of-year 2018-01-01 288
Total number of active participants reported on line 7a of the Form 5500 2018-01-01 108
Number of retired or separated participants receiving benefits 2018-01-01 0
Number of other retired or separated participants entitled to future benefits 2018-01-01 140
Total of all active and inactive participants 2018-01-01 248
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2018-01-01 0
Total participants 2018-01-01 248
Number of participants with account balances 2018-01-01 244
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-01-01 4
2017: CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2017 401k membership
Total participants, beginning-of-year 2017-01-01 165
Total number of active participants reported on line 7a of the Form 5500 2017-01-01 99
Number of retired or separated participants receiving benefits 2017-01-01 0
Number of other retired or separated participants entitled to future benefits 2017-01-01 173
Total of all active and inactive participants 2017-01-01 272
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2017-01-01 0
Total participants 2017-01-01 272
Number of participants with account balances 2017-01-01 268
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-01-01 0
2016: CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2016 401k membership
Total participants, beginning-of-year 2016-01-01 131
Total number of active participants reported on line 7a of the Form 5500 2016-01-01 155
Number of retired or separated participants receiving benefits 2016-01-01 0
Number of other retired or separated participants entitled to future benefits 2016-01-01 6
Total of all active and inactive participants 2016-01-01 161
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2016-01-01 0
Total participants 2016-01-01 161
Number of participants with account balances 2016-01-01 31
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2016-01-01 0

Measure	Date	Value
2023: CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2023 401k membership
Total participants, beginning-of-year	2023-01-01	144
Total number of active participants reported on line 7a of the Form 5500	2023-01-01	63
Number of retired or separated participants receiving benefits	2023-01-01	3
Number of other retired or separated participants entitled to future benefits	2023-01-01	64
Total of all active and inactive participants	2023-01-01	130
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2023-01-01	0
Total participants	2023-01-01	130
Number of participants with account balances	2023-01-01	113
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2023-01-01	4
2022: CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2022 401k membership
Total participants, beginning-of-year	2022-01-01	200
Total number of active participants reported on line 7a of the Form 5500	2022-01-01	71
Number of retired or separated participants receiving benefits	2022-01-01	8
Number of other retired or separated participants entitled to future benefits	2022-01-01	72
Total of all active and inactive participants	2022-01-01	151
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2022-01-01	0
Total participants	2022-01-01	151
Number of participants with account balances	2022-01-01	131
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2022-01-01	10
2021: CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2021 401k membership
Total participants, beginning-of-year	2021-01-01	247
Total number of active participants reported on line 7a of the Form 5500	2021-01-01	100
Number of retired or separated participants receiving benefits	2021-01-01	7
Number of other retired or separated participants entitled to future benefits	2021-01-01	99
Total of all active and inactive participants	2021-01-01	206
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2021-01-01	0
Total participants	2021-01-01	206
Number of participants with account balances	2021-01-01	175
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2021-01-01	0
2020: CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2020 401k membership
Total participants, beginning-of-year	2020-01-01	252
Total number of active participants reported on line 7a of the Form 5500	2020-01-01	102
Number of retired or separated participants receiving benefits	2020-01-01	4
Number of other retired or separated participants entitled to future benefits	2020-01-01	139
Total of all active and inactive participants	2020-01-01	245
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2020-01-01	0
Total participants	2020-01-01	245
Number of participants with account balances	2020-01-01	215
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2020-01-01	2
2019: CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2019 401k membership
Total participants, beginning-of-year	2019-01-01	258
Total number of active participants reported on line 7a of the Form 5500	2019-01-01	109
Number of retired or separated participants receiving benefits	2019-01-01	0
Number of other retired or separated participants entitled to future benefits	2019-01-01	143
Total of all active and inactive participants	2019-01-01	252
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2019-01-01	0
Total participants	2019-01-01	252
Number of participants with account balances	2019-01-01	250
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2019-01-01	15
2018: CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2018 401k membership
Total participants, beginning-of-year	2018-01-01	288
Total number of active participants reported on line 7a of the Form 5500	2018-01-01	108
Number of retired or separated participants receiving benefits	2018-01-01	0
Number of other retired or separated participants entitled to future benefits	2018-01-01	140
Total of all active and inactive participants	2018-01-01	248
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2018-01-01	0
Total participants	2018-01-01	248
Number of participants with account balances	2018-01-01	244
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-01-01	4
2017: CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2017 401k membership
Total participants, beginning-of-year	2017-01-01	165
Total number of active participants reported on line 7a of the Form 5500	2017-01-01	99
Number of retired or separated participants receiving benefits	2017-01-01	0
Number of other retired or separated participants entitled to future benefits	2017-01-01	173
Total of all active and inactive participants	2017-01-01	272
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2017-01-01	0
Total participants	2017-01-01	272
Number of participants with account balances	2017-01-01	268
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-01-01	0
2016: CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2016 401k membership
Total participants, beginning-of-year	2016-01-01	131
Total number of active participants reported on line 7a of the Form 5500	2016-01-01	155
Number of retired or separated participants receiving benefits	2016-01-01	0
Number of other retired or separated participants entitled to future benefits	2016-01-01	6
Total of all active and inactive participants	2016-01-01	161
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2016-01-01	0
Total participants	2016-01-01	161
Number of participants with account balances	2016-01-01	31
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2016-01-01	0

Financial Data on CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST

Measure	Date	Value
2023 : CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2023 401k financial data
Total unrealized appreciation/depreciation of assets	2023-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2023-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2023-12-31	$923
Total income from all sources (including contributions)	2023-12-31	$1,181,702
Total loss/gain on sale of assets	2023-12-31	$0
Total of all expenses incurred	2023-12-31	$500,578
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2023-12-31	$431,572
Expenses. Certain deemed distributions of participant loans	2023-12-31	$16,933
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2023-12-31	$624,768
Value of total assets at end of year	2023-12-31	$4,282,916
Value of total assets at beginning of year	2023-12-31	$3,602,715
Total of administrative expenses incurred including professional, contract, advisory and management fees	2023-12-31	$52,073
Total interest from all sources	2023-12-31	$6,943
Total dividends received (eg from common stock, registered investment company shares)	2023-12-31	$3,177
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2023-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2023-12-31	$3,177
Was this plan covered by a fidelity bond	2023-12-31	Yes
Value of fidelity bond cover	2023-12-31	$500,000
If this is an individual account plan, was there a blackout period	2023-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2023-12-31	No
Contributions received from participants	2023-12-31	$348,923
Participant contributions at end of year	2023-12-31	$67,108
Participant contributions at beginning of year	2023-12-31	$89,706
Participant contributions at end of year	2023-12-31	$303
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2023-12-31	$923
Other income not declared elsewhere	2023-12-31	$924
Administrative expenses (other) incurred	2023-12-31	$52,073
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2023-12-31	No
Value of net income/loss	2023-12-31	$681,124
Value of net assets at end of year (total assets less liabilities)	2023-12-31	$4,282,916
Value of net assets at beginning of year (total assets less liabilities)	2023-12-31	$3,601,792
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2023-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2023-12-31	No
Were any leases to which the plan was party in default or uncollectible	2023-12-31	No
Investment advisory and management fees	2023-12-31	$0
Value of interest in registered invesment companies (eg mutual funds) at end of year	2023-12-31	$307,646
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2023-12-31	$269,702
Value of interest in pooled separate accounts at end of year	2023-12-31	$601,590
Value of interest in pooled separate accounts at beginning of year	2023-12-31	$397,641
Interest on participant loans	2023-12-31	$6,128
Interest earned on other investments	2023-12-31	$815
Value of interest in common/collective trusts at end of year	2023-12-31	$2,979,229
Value of interest in common/collective trusts at beginning of year	2023-12-31	$2,493,022
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2023-12-31	$51,150
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2023-12-31	$44,670
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2023-12-31	$52,477
Net investment gain/loss from pooled separate accounts	2023-12-31	$96,211
Net investment gain or loss from common/collective trusts	2023-12-31	$397,202
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2023-12-31	No
Was there a failure to transmit to the plan any participant contributions	2023-12-31	Yes
Has the plan failed to provide any benefit when due under the plan	2023-12-31	No
Contributions received in cash from employer	2023-12-31	$275,845
Employer contributions (assets) at end of year	2023-12-31	$275,890
Employer contributions (assets) at beginning of year	2023-12-31	$307,974
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2023-12-31	$431,572
Contract administrator fees	2023-12-31	$0
Did the plan have assets held for investment	2023-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2023-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2023-12-31	No
Opinion of an independent qualified public accountant for this plan	2023-12-31	Unqualified
Accountancy firm name	2023-12-31	PENAN & SCOTT P.C.
Accountancy firm EIN	2023-12-31	521706780
2022 : CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2022 401k financial data
Total unrealized appreciation/depreciation of assets	2022-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-12-31	$923
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-12-31	$0
Total income from all sources (including contributions)	2022-12-31	$70,767
Total loss/gain on sale of assets	2022-12-31	$0
Total of all expenses incurred	2022-12-31	$545,798
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2022-12-31	$459,168
Expenses. Certain deemed distributions of participant loans	2022-12-31	$28,015
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2022-12-31	$729,697
Value of total assets at end of year	2022-12-31	$3,602,715
Value of total assets at beginning of year	2022-12-31	$4,076,823
Total of administrative expenses incurred including professional, contract, advisory and management fees	2022-12-31	$58,615
Total interest from all sources	2022-12-31	$3,857
Total dividends received (eg from common stock, registered investment company shares)	2022-12-31	$2,886
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2022-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2022-12-31	$2,886
Administrative expenses professional fees incurred	2022-12-31	$7,361
Was this plan covered by a fidelity bond	2022-12-31	Yes
Value of fidelity bond cover	2022-12-31	$500,000
If this is an individual account plan, was there a blackout period	2022-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2022-12-31	No
Contributions received from participants	2022-12-31	$324,065
Participant contributions at end of year	2022-12-31	$89,706
Participant contributions at beginning of year	2022-12-31	$84,969
Income. Received or receivable in cash from other sources (including rollovers)	2022-12-31	$97,658
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2022-12-31	$180
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2022-12-31	$923
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-12-31	No
Value of net income/loss	2022-12-31	$-475,031
Value of net assets at end of year (total assets less liabilities)	2022-12-31	$3,601,792
Value of net assets at beginning of year (total assets less liabilities)	2022-12-31	$4,076,823
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2022-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2022-12-31	No
Were any leases to which the plan was party in default or uncollectible	2022-12-31	No
Investment advisory and management fees	2022-12-31	$7,361
Value of interest in registered invesment companies (eg mutual funds) at end of year	2022-12-31	$269,702
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2022-12-31	$409,603
Value of interest in pooled separate accounts at end of year	2022-12-31	$397,641
Value of interest in pooled separate accounts at beginning of year	2022-12-31	$460,333
Interest on participant loans	2022-12-31	$3,207
Interest earned on other investments	2022-12-31	$650
Value of interest in common/collective trusts at end of year	2022-12-31	$2,493,022
Value of interest in common/collective trusts at beginning of year	2022-12-31	$2,768,634
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2022-12-31	$44,670
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2022-12-31	$33,495
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2022-12-31	$-100,949
Net investment gain/loss from pooled separate accounts	2022-12-31	$-77,967
Net investment gain or loss from common/collective trusts	2022-12-31	$-486,757
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2022-12-31	No
Was there a failure to transmit to the plan any participant contributions	2022-12-31	Yes
Has the plan failed to provide any benefit when due under the plan	2022-12-31	No
Contributions received in cash from employer	2022-12-31	$307,974
Employer contributions (assets) at end of year	2022-12-31	$307,974
Employer contributions (assets) at beginning of year	2022-12-31	$319,609
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2022-12-31	$459,168
Contract administrator fees	2022-12-31	$43,893
Did the plan have assets held for investment	2022-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2022-12-31	No
Opinion of an independent qualified public accountant for this plan	2022-12-31	Unqualified
Accountancy firm name	2022-12-31	PENAN & SCOTT P.C.
Accountancy firm EIN	2022-12-31	521706780
2021 : CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2021 401k financial data
Total unrealized appreciation/depreciation of assets	2021-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-12-31	$0
Total income from all sources (including contributions)	2021-12-31	$1,261,257
Total loss/gain on sale of assets	2021-12-31	$0
Total of all expenses incurred	2021-12-31	$481,439
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2021-12-31	$395,343
Expenses. Certain deemed distributions of participant loans	2021-12-31	$20,286
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2021-12-31	$762,395
Value of total assets at end of year	2021-12-31	$4,076,823
Value of total assets at beginning of year	2021-12-31	$3,297,005
Total of administrative expenses incurred including professional, contract, advisory and management fees	2021-12-31	$65,810
Total interest from all sources	2021-12-31	$3,150
Total dividends received (eg from common stock, registered investment company shares)	2021-12-31	$3,166
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2021-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2021-12-31	$3,166
Administrative expenses professional fees incurred	2021-12-31	$0
Was this plan covered by a fidelity bond	2021-12-31	Yes
Value of fidelity bond cover	2021-12-31	$500,000
If this is an individual account plan, was there a blackout period	2021-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2021-12-31	No
Contributions received from participants	2021-12-31	$378,264
Participant contributions at end of year	2021-12-31	$84,969
Participant contributions at beginning of year	2021-12-31	$50,580
Participant contributions at beginning of year	2021-12-31	$11,015
Income. Received or receivable in cash from other sources (including rollovers)	2021-12-31	$65,339
Value of other receiveables (less allowance for doubtful accounts) at end of year	2021-12-31	$180
Administrative expenses (other) incurred	2021-12-31	$65,810
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-12-31	No
Value of net income/loss	2021-12-31	$779,818
Value of net assets at end of year (total assets less liabilities)	2021-12-31	$4,076,823
Value of net assets at beginning of year (total assets less liabilities)	2021-12-31	$3,297,005
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2021-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2021-12-31	No
Were any leases to which the plan was party in default or uncollectible	2021-12-31	No
Investment advisory and management fees	2021-12-31	$0
Value of interest in registered invesment companies (eg mutual funds) at end of year	2021-12-31	$409,603
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2021-12-31	$313,010
Value of interest in pooled separate accounts at end of year	2021-12-31	$460,333
Value of interest in pooled separate accounts at beginning of year	2021-12-31	$262,390
Interest on participant loans	2021-12-31	$2,682
Interest earned on other investments	2021-12-31	$468
Value of interest in common/collective trusts at end of year	2021-12-31	$2,768,634
Value of interest in common/collective trusts at beginning of year	2021-12-31	$2,473,089
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2021-12-31	$33,495
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2021-12-31	$34,212
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2021-12-31	$54,631
Net investment gain/loss from pooled separate accounts	2021-12-31	$74,852
Net investment gain or loss from common/collective trusts	2021-12-31	$363,063
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2021-12-31	No
Was there a failure to transmit to the plan any participant contributions	2021-12-31	No
Has the plan failed to provide any benefit when due under the plan	2021-12-31	No
Contributions received in cash from employer	2021-12-31	$318,792
Employer contributions (assets) at end of year	2021-12-31	$319,609
Employer contributions (assets) at beginning of year	2021-12-31	$152,709
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2021-12-31	$395,343
Contract administrator fees	2021-12-31	$0
Did the plan have assets held for investment	2021-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2021-12-31	No
Opinion of an independent qualified public accountant for this plan	2021-12-31	Disclaimer
Accountancy firm name	2021-12-31	PENAN & SCOTT P.C.
Accountancy firm EIN	2021-12-31	521706780
2020 : CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2020 401k financial data
Unrealized appreciation/depreciation of real estate assets	2020-12-31	$0
Unrealized appreciation/depreciation of other (non real estate) assets	2020-12-31	$0
Total unrealized appreciation/depreciation of assets	2020-12-31	$0
Total transfer of assets to this plan	2020-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$0
Total income from all sources (including contributions)	2020-12-31	$921,097
Total loss/gain on sale of assets	2020-12-31	$0
Total of all expenses incurred	2020-12-31	$206,528
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2020-12-31	$152,452
Expenses. Certain deemed distributions of participant loans	2020-12-31	$10,273
Value of total corrective distributions	2020-12-31	$0
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2020-12-31	$491,540
Value of total assets at end of year	2020-12-31	$3,297,005
Value of total assets at beginning of year	2020-12-31	$2,582,436
Total of administrative expenses incurred including professional, contract, advisory and management fees	2020-12-31	$43,803
Total income from rents	2020-12-31	$0
Total interest from all sources	2020-12-31	$2,766
Total dividends received (eg from common stock, registered investment company shares)	2020-12-31	$1,832
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2020-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2020-12-31	$1,832
Administrative expenses professional fees incurred	2020-12-31	$0
Was this plan covered by a fidelity bond	2020-12-31	No
If this is an individual account plan, was there a blackout period	2020-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2020-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2020-12-31	No
Contributions received from participants	2020-12-31	$337,397
Participant contributions at end of year	2020-12-31	$50,580
Participant contributions at beginning of year	2020-12-31	$45,824
Participant contributions at end of year	2020-12-31	$11,015
Participant contributions at beginning of year	2020-12-31	$10,150
Income. Received or receivable in cash from other sources (including rollovers)	2020-12-31	$20,227
Expenses. Other payments made (not to insurance carriers or or participants/beneficiaries)	2020-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2020-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2020-12-31	$0
Other income not declared elsewhere	2020-12-31	$0
Administrative expenses (other) incurred	2020-12-31	$43,803
Liabilities. Value of operating payables at beginning of year	2020-12-31	$0
Total non interest bearing cash at end of year	2020-12-31	$0
Total non interest bearing cash at beginning of year	2020-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2020-12-31	No
Value of net income/loss	2020-12-31	$714,569
Value of net assets at end of year (total assets less liabilities)	2020-12-31	$3,297,005
Value of net assets at beginning of year (total assets less liabilities)	2020-12-31	$2,582,436
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2020-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2020-12-31	No
Were any leases to which the plan was party in default or uncollectible	2020-12-31	No
Investment advisory and management fees	2020-12-31	$0
Value of interest in registered invesment companies (eg mutual funds) at end of year	2020-12-31	$313,010
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2020-12-31	$218,518
Value of interest in pooled separate accounts at end of year	2020-12-31	$262,390
Value of interest in pooled separate accounts at beginning of year	2020-12-31	$168,612
Interest on participant loans	2020-12-31	$2,241
Income. Interest from loans (other than to participants)	2020-12-31	$0
Interest earned on other investments	2020-12-31	$525
Income. Interest from US Government securities	2020-12-31	$0
Income. Interest from corporate debt instruments	2020-12-31	$0
Value of interest in common/collective trusts at end of year	2020-12-31	$2,473,089
Value of interest in common/collective trusts at beginning of year	2020-12-31	$1,905,053
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2020-12-31	$0
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2020-12-31	$34,212
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2020-12-31	$24,412
Expenses. Payments to insurance carriers foe the provision of benefits	2020-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2020-12-31	$63,742
Net investment gain/loss from pooled separate accounts	2020-12-31	$36,283
Net investment gain or loss from common/collective trusts	2020-12-31	$324,934
Net gain/loss from 103.12 investment entities	2020-12-31	$0
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2020-12-31	No
Was there a failure to transmit to the plan any participant contributions	2020-12-31	Yes
Has the plan failed to provide any benefit when due under the plan	2020-12-31	No
Contributions received in cash from employer	2020-12-31	$133,916
Employer contributions (assets) at end of year	2020-12-31	$152,709
Employer contributions (assets) at beginning of year	2020-12-31	$209,867
Income. Dividends from preferred stock	2020-12-31	$0
Income. Dividends from common stock	2020-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2020-12-31	$152,452
Contract administrator fees	2020-12-31	$0
Liabilities. Value of benefit claims payable at beginning of year	2020-12-31	$0
Did the plan have assets held for investment	2020-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2020-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2020-12-31	No
Aggregate proceeds on sale of assets	2020-12-31	$0
Aggregate carrying amount (costs) on sale of assets	2020-12-31	$0
Liabilities. Value of acquisition indebtedness at beginning of year	2020-12-31	$0
Opinion of an independent qualified public accountant for this plan	2020-12-31	Disclaimer
Accountancy firm name	2020-12-31	PENAN & SCOTT P.C.
Accountancy firm EIN	2020-12-31	521706780
2019 : CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2019 401k financial data
Total unrealized appreciation/depreciation of assets	2019-12-31	$0
Total unrealized appreciation/depreciation of assets	2019-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total income from all sources (including contributions)	2019-12-31	$1,010,383
Total income from all sources (including contributions)	2019-12-31	$1,010,383
Total loss/gain on sale of assets	2019-12-31	$0
Total loss/gain on sale of assets	2019-12-31	$0
Total of all expenses incurred	2019-12-31	$441,318
Total of all expenses incurred	2019-12-31	$441,318
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$368,181
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$368,181
Expenses. Certain deemed distributions of participant loans	2019-12-31	$32,485
Expenses. Certain deemed distributions of participant loans	2019-12-31	$32,485
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$623,947
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$623,947
Value of total assets at end of year	2019-12-31	$2,582,436
Value of total assets at end of year	2019-12-31	$2,582,436
Value of total assets at beginning of year	2019-12-31	$2,013,371
Value of total assets at beginning of year	2019-12-31	$2,013,371
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-12-31	$40,652
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-12-31	$40,652
Total interest from all sources	2019-12-31	$1,677
Total interest from all sources	2019-12-31	$1,677
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$2,384
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$2,384
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2019-12-31	No
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2019-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2019-12-31	$2,384
Total dividends received from registered investment company shares (eg mutual funds)	2019-12-31	$2,384
Administrative expenses professional fees incurred	2019-12-31	$7,832
Administrative expenses professional fees incurred	2019-12-31	$7,832
Was this plan covered by a fidelity bond	2019-12-31	No
Was this plan covered by a fidelity bond	2019-12-31	No
If this is an individual account plan, was there a blackout period	2019-12-31	No
If this is an individual account plan, was there a blackout period	2019-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2019-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2019-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2019-12-31	No
Contributions received from participants	2019-12-31	$345,575
Contributions received from participants	2019-12-31	$345,575
Participant contributions at end of year	2019-12-31	$45,824
Participant contributions at end of year	2019-12-31	$45,824
Participant contributions at beginning of year	2019-12-31	$28,680
Participant contributions at beginning of year	2019-12-31	$28,680
Participant contributions at end of year	2019-12-31	$10,150
Participant contributions at end of year	2019-12-31	$10,150
Participant contributions at beginning of year	2019-12-31	$36,791
Participant contributions at beginning of year	2019-12-31	$36,791
Income. Received or receivable in cash from other sources (including rollovers)	2019-12-31	$87,298
Income. Received or receivable in cash from other sources (including rollovers)	2019-12-31	$87,298
Value of other receiveables (less allowance for doubtful accounts) at end of year	2019-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at end of year	2019-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2019-12-31	$3,343
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2019-12-31	$3,343
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2019-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2019-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2019-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2019-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Value of net income/loss	2019-12-31	$569,065
Value of net income/loss	2019-12-31	$569,065
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$2,582,436
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$2,582,436
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$2,013,371
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$2,013,371
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2019-12-31	No
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2019-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2019-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2019-12-31	No
Were any leases to which the plan was party in default or uncollectible	2019-12-31	No
Were any leases to which the plan was party in default or uncollectible	2019-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2019-12-31	$218,518
Value of interest in registered invesment companies (eg mutual funds) at end of year	2019-12-31	$218,518
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2019-12-31	$55,532
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2019-12-31	$55,532
Value of interest in pooled separate accounts at end of year	2019-12-31	$168,612
Value of interest in pooled separate accounts at end of year	2019-12-31	$168,612
Value of interest in pooled separate accounts at beginning of year	2019-12-31	$64,901
Value of interest in pooled separate accounts at beginning of year	2019-12-31	$64,901
Interest on participant loans	2019-12-31	$1,677
Interest on participant loans	2019-12-31	$1,677
Value of interest in common/collective trusts at end of year	2019-12-31	$1,905,053
Value of interest in common/collective trusts at end of year	2019-12-31	$1,905,053
Value of interest in common/collective trusts at beginning of year	2019-12-31	$1,344,805
Value of interest in common/collective trusts at beginning of year	2019-12-31	$1,344,805
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2019-12-31	$24,412
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2019-12-31	$24,412
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2019-12-31	$14,097
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2019-12-31	$14,097
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2019-12-31	$27,623
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2019-12-31	$27,623
Net investment gain/loss from pooled separate accounts	2019-12-31	$26,214
Net investment gain/loss from pooled separate accounts	2019-12-31	$26,214
Net investment gain or loss from common/collective trusts	2019-12-31	$328,538
Net investment gain or loss from common/collective trusts	2019-12-31	$328,538
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2019-12-31	No
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2019-12-31	No
Was there a failure to transmit to the plan any participant contributions	2019-12-31	No
Was there a failure to transmit to the plan any participant contributions	2019-12-31	No
Has the plan failed to provide any benefit when due under the plan	2019-12-31	No
Has the plan failed to provide any benefit when due under the plan	2019-12-31	No
Contributions received in cash from employer	2019-12-31	$191,074
Contributions received in cash from employer	2019-12-31	$191,074
Employer contributions (assets) at end of year	2019-12-31	$209,867
Employer contributions (assets) at end of year	2019-12-31	$209,867
Employer contributions (assets) at beginning of year	2019-12-31	$465,222
Employer contributions (assets) at beginning of year	2019-12-31	$465,222
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-12-31	$368,181
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-12-31	$368,181
Contract administrator fees	2019-12-31	$32,820
Contract administrator fees	2019-12-31	$32,820
Did the plan have assets held for investment	2019-12-31	Yes
Did the plan have assets held for investment	2019-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2019-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2019-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2019-12-31	Yes
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2019-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2019-12-31	Disclaimer
Opinion of an independent qualified public accountant for this plan	2019-12-31	Disclaimer
Accountancy firm name	2019-12-31	PENAN & SCOTT P.C.
Accountancy firm name	2019-12-31	PENAN & SCOTT P.C.
Accountancy firm EIN	2019-12-31	521706780
Accountancy firm EIN	2019-12-31	521706780
2018 : CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2018 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2018-12-31	$716
Total unrealized appreciation/depreciation of assets	2018-12-31	$716
Total transfer of assets to this plan	2018-12-31	$0
Total transfer of assets from this plan	2018-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$9,283
Total income from all sources (including contributions)	2018-12-31	$752,467
Total of all expenses incurred	2018-12-31	$217,632
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2018-12-31	$188,040
Value of total corrective distributions	2018-12-31	$11,036
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2018-12-31	$868,554
Value of total assets at end of year	2018-12-31	$2,013,371
Value of total assets at beginning of year	2018-12-31	$1,487,819
Total of administrative expenses incurred including professional, contract, advisory and management fees	2018-12-31	$18,556
Total interest from all sources	2018-12-31	$1,866
Total dividends received (eg from common stock, registered investment company shares)	2018-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2018-12-31	No
Was this plan covered by a fidelity bond	2018-12-31	No
If this is an individual account plan, was there a blackout period	2018-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2018-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2018-12-31	No
Contributions received from participants	2018-12-31	$384,633
Participant contributions at end of year	2018-12-31	$28,680
Participant contributions at beginning of year	2018-12-31	$39,088
Participant contributions at end of year	2018-12-31	$36,791
Participant contributions at beginning of year	2018-12-31	$26,123
Income. Received or receivable in cash from other sources (including rollovers)	2018-12-31	$2,135
Value of other receiveables (less allowance for doubtful accounts) at end of year	2018-12-31	$3,343
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2018-12-31	$22,379
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2018-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2018-12-31	$9,283
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-12-31	No
Value of net income/loss	2018-12-31	$534,835
Value of net assets at end of year (total assets less liabilities)	2018-12-31	$2,013,371
Value of net assets at beginning of year (total assets less liabilities)	2018-12-31	$1,478,536
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2018-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2018-12-31	No
Were any leases to which the plan was party in default or uncollectible	2018-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2018-12-31	$55,532
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2018-12-31	$65,893
Value of interest in pooled separate accounts at end of year	2018-12-31	$64,901
Value of interest in pooled separate accounts at beginning of year	2018-12-31	$6,675
Interest on participant loans	2018-12-31	$1,866
Value of interest in common/collective trusts at end of year	2018-12-31	$1,344,805
Value of interest in common/collective trusts at beginning of year	2018-12-31	$945,543
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2018-12-31	$14,097
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2018-12-31	$-453
Net investment gain/loss from pooled separate accounts	2018-12-31	$-6,540
Net investment gain or loss from common/collective trusts	2018-12-31	$-111,676
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2018-12-31	No
Was there a failure to transmit to the plan any participant contributions	2018-12-31	No
Has the plan failed to provide any benefit when due under the plan	2018-12-31	No
Contributions received in cash from employer	2018-12-31	$481,786
Employer contributions (assets) at end of year	2018-12-31	$465,222
Employer contributions (assets) at beginning of year	2018-12-31	$382,118
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2018-12-31	$188,040
Contract administrator fees	2018-12-31	$18,556
Did the plan have assets held for investment	2018-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2018-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2018-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2018-12-31	Disclaimer
Accountancy firm name	2018-12-31	PENAN & SCOTT P.C.
Accountancy firm EIN	2018-12-31	521706780
2017 : CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2017 401k financial data
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$9,283
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$9,283
Total income from all sources (including contributions)	2017-12-31	$793,846
Total of all expenses incurred	2017-12-31	$98,642
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2017-12-31	$81,902
Expenses. Certain deemed distributions of participant loans	2017-12-31	$10,708
Value of total corrective distributions	2017-12-31	$181
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2017-12-31	$703,938
Value of total assets at end of year	2017-12-31	$1,487,819
Value of total assets at beginning of year	2017-12-31	$792,615
Total of administrative expenses incurred including professional, contract, advisory and management fees	2017-12-31	$5,851
Total interest from all sources	2017-12-31	$1,384
Total dividends received (eg from common stock, registered investment company shares)	2017-12-31	$690
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2017-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2017-12-31	$690
Was this plan covered by a fidelity bond	2017-12-31	No
If this is an individual account plan, was there a blackout period	2017-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2017-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2017-12-31	No
Contributions received from participants	2017-12-31	$240,089
Participant contributions at end of year	2017-12-31	$39,088
Participant contributions at beginning of year	2017-12-31	$35,505
Participant contributions at end of year	2017-12-31	$26,123
Participant contributions at beginning of year	2017-12-31	$8,946
Value of other receiveables (less allowance for doubtful accounts) at end of year	2017-12-31	$22,379
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2017-12-31	$9,283
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2017-12-31	$9,283
Administrative expenses (other) incurred	2017-12-31	$825
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Value of net income/loss	2017-12-31	$695,204
Value of net assets at end of year (total assets less liabilities)	2017-12-31	$1,478,536
Value of net assets at beginning of year (total assets less liabilities)	2017-12-31	$783,332
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2017-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2017-12-31	No
Were any leases to which the plan was party in default or uncollectible	2017-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2017-12-31	$65,893
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2017-12-31	$348,646
Value of interest in pooled separate accounts at end of year	2017-12-31	$6,675
Income. Interest from loans (other than to participants)	2017-12-31	$1,384
Value of interest in common/collective trusts at end of year	2017-12-31	$945,543
Value of interest in common/collective trusts at beginning of year	2017-12-31	$17,036
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2017-12-31	$32,297
Net investment gain/loss from pooled separate accounts	2017-12-31	$214
Net investment gain or loss from common/collective trusts	2017-12-31	$55,323
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2017-12-31	No
Was there a failure to transmit to the plan any participant contributions	2017-12-31	No
Has the plan failed to provide any benefit when due under the plan	2017-12-31	No
Contributions received in cash from employer	2017-12-31	$463,849
Employer contributions (assets) at end of year	2017-12-31	$382,118
Employer contributions (assets) at beginning of year	2017-12-31	$382,482
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2017-12-31	$81,902
Contract administrator fees	2017-12-31	$5,026
Did the plan have assets held for investment	2017-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2017-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2017-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2017-12-31	Disclaimer
Accountancy firm name	2017-12-31	PENAN & SCOTT P.C.
Accountancy firm EIN	2017-12-31	521706780
2016 : CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2016 401k financial data
Total unrealized appreciation/depreciation of assets	2016-12-31	$0
Total transfer of assets to this plan	2016-12-31	$0
Total transfer of assets from this plan	2016-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
Total income from all sources (including contributions)	2016-12-31	$272,489
Total loss/gain on sale of assets	2016-12-31	$0
Total of all expenses incurred	2016-12-31	$61,581
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2016-12-31	$60,409
Expenses. Certain deemed distributions of participant loans	2016-12-31	$97
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2016-12-31	$249,227
Value of total assets at end of year	2016-12-31	$401,187
Value of total assets at beginning of year	2016-12-31	$190,279
Total of administrative expenses incurred including professional, contract, advisory and management fees	2016-12-31	$1,075
Total interest from all sources	2016-12-31	$332
Total dividends received (eg from common stock, registered investment company shares)	2016-12-31	$10,800
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2016-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2016-12-31	$10,800
Was this plan covered by a fidelity bond	2016-12-31	Yes
Value of fidelity bond cover	2016-12-31	$20,000
If this is an individual account plan, was there a blackout period	2016-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2016-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2016-12-31	No
Contributions received from participants	2016-12-31	$139,961
Participant contributions at end of year	2016-12-31	$35,505
Participant contributions at end of year	2016-12-31	$8,946
Income. Received or receivable in cash from other sources (including rollovers)	2016-12-31	$56,899
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2016-12-31	$9,283
Administrative expenses (other) incurred	2016-12-31	$1,075
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Value of net income/loss	2016-12-31	$210,908
Value of net assets at end of year (total assets less liabilities)	2016-12-31	$401,187
Value of net assets at beginning of year (total assets less liabilities)	2016-12-31	$190,279
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2016-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2016-12-31	No
Were any leases to which the plan was party in default or uncollectible	2016-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2016-12-31	$348,646
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2016-12-31	$169,287
Interest on participant loans	2016-12-31	$332
Value of interest in common/collective trusts at end of year	2016-12-31	$17,036
Value of interest in common/collective trusts at beginning of year	2016-12-31	$20,992
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2016-12-31	$11,121
Net investment gain or loss from common/collective trusts	2016-12-31	$1,009
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2016-12-31	No
Was there a failure to transmit to the plan any participant contributions	2016-12-31	No
Has the plan failed to provide any benefit when due under the plan	2016-12-31	No
Contributions received in cash from employer	2016-12-31	$52,367
Employer contributions (assets) at end of year	2016-12-31	$382,482
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2016-12-31	$60,409
Did the plan have assets held for investment	2016-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2016-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2016-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2016-12-31	Disclaimer
Accountancy firm name	2016-12-31	PENAN & SCOTT PC
Accountancy firm EIN	2016-12-31	521706780

Form 5500 Responses for CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST

2023: CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2023 form 5500 responses
2023-01-01	Type of plan entity	Single employer plan
2023-01-01	Submission has been amended	No
2023-01-01	This submission is the final filing	No
2023-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2023-01-01	Plan is a collectively bargained plan	No
2023-01-01	Plan funding arrangement – Insurance	Yes
2023-01-01	Plan funding arrangement – Trust	Yes
2023-01-01	Plan benefit arrangement – Insurance	Yes
2023-01-01	Plan benefit arrangement – Section 412(e)(3) insurance Contracts	Yes
2022: CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2022 form 5500 responses
2022-01-01	Type of plan entity	Single employer plan
2022-01-01	Submission has been amended	No
2022-01-01	This submission is the final filing	No
2022-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2022-01-01	Plan is a collectively bargained plan	No
2022-01-01	Plan funding arrangement – Insurance	Yes
2022-01-01	Plan funding arrangement – Trust	Yes
2022-01-01	Plan benefit arrangement – Insurance	Yes
2022-01-01	Plan benefit arrangement - Trust	Yes
2021: CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2021 form 5500 responses
2021-01-01	Type of plan entity	Single employer plan
2021-01-01	Submission has been amended	No
2021-01-01	This submission is the final filing	No
2021-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2021-01-01	Plan is a collectively bargained plan	No
2021-01-01	Plan funding arrangement – Insurance	Yes
2021-01-01	Plan funding arrangement – Trust	Yes
2021-01-01	Plan benefit arrangement – Insurance	Yes
2021-01-01	Plan benefit arrangement - Trust	Yes
2020: CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2020 form 5500 responses
2020-01-01	Type of plan entity	Single employer plan
2020-01-01	Submission has been amended	No
2020-01-01	This submission is the final filing	No
2020-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2020-01-01	Plan is a collectively bargained plan	No
2020-01-01	Plan funding arrangement – Insurance	Yes
2020-01-01	Plan funding arrangement – Trust	Yes
2020-01-01	Plan benefit arrangement – Insurance	Yes
2020-01-01	Plan benefit arrangement - Trust	Yes
2019: CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2019 form 5500 responses
2019-01-01	Type of plan entity	Single employer plan
2019-01-01	Submission has been amended	No
2019-01-01	This submission is the final filing	No
2019-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2019-01-01	Plan is a collectively bargained plan	No
2019-01-01	Plan funding arrangement – Insurance	Yes
2019-01-01	Plan funding arrangement – Trust	Yes
2019-01-01	Plan benefit arrangement – Insurance	Yes
2019-01-01	Plan benefit arrangement - Trust	Yes
2018: CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2018 form 5500 responses
2018-01-01	Type of plan entity	Single employer plan
2018-01-01	Submission has been amended	No
2018-01-01	This submission is the final filing	No
2018-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2018-01-01	Plan is a collectively bargained plan	No
2018-01-01	Plan funding arrangement – Insurance	Yes
2018-01-01	Plan funding arrangement – Trust	Yes
2018-01-01	Plan benefit arrangement – Insurance	Yes
2018-01-01	Plan benefit arrangement - Trust	Yes
2017: CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2017 form 5500 responses
2017-01-01	Type of plan entity	Single employer plan
2017-01-01	Submission has been amended	No
2017-01-01	This submission is the final filing	No
2017-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2017-01-01	Plan is a collectively bargained plan	No
2017-01-01	Plan funding arrangement – Insurance	Yes
2017-01-01	Plan funding arrangement – Trust	Yes
2017-01-01	Plan benefit arrangement – Insurance	Yes
2017-01-01	Plan benefit arrangement - Trust	Yes
2016: CREATIVE BUSINESS SOLUTIONS IN 401 K PROFIT SHARING PLAN TRUST 2016 form 5500 responses
2016-01-01	Type of plan entity	Single employer plan
2016-01-01	Submission has been amended	No
2016-01-01	This submission is the final filing	No
2016-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2016-01-01	Plan is a collectively bargained plan	No
2016-01-01	Plan funding arrangement – Trust	Yes
2016-01-01	Plan benefit arrangement - Trust	Yes

Insurance Providers Used on plan

PRINCIPAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 61271 )

Policy contract number

719716

Policy instance

Insurance contract or identification number	719716
Number of Individuals Covered	153
Insurance policy start date	2023-01-01
Insurance policy end date	2023-12-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $225
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No

PRINCIPAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 61271 )

Policy contract number

613953

Policy instance

Insurance contract or identification number	613953
Number of Individuals Covered	153
Insurance policy start date	2023-01-01
Insurance policy end date	2023-12-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $23
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No

PRINCIPAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 61271 )

Policy contract number

719716

Policy instance

Insurance contract or identification number	719716
Number of Individuals Covered	166
Insurance policy start date	2022-01-01
Insurance policy end date	2022-12-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $203
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $0
Amount paid for insurance broker fees	203
Additional information about fees paid to insurance broker	REFERRAL/SERVICE FEE
Insurance broker organization code?	3

PRINCIPAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 61271 )

Policy contract number

613953

Policy instance

Insurance contract or identification number	613953
Number of Individuals Covered	166
Insurance policy start date	2022-01-01
Insurance policy end date	2022-12-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $20
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $0
Amount paid for insurance broker fees	20
Additional information about fees paid to insurance broker	REFERRAL/SERVICE FEE
Insurance broker organization code?	3

PRINCIPAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 61271 )

Policy contract number

719716

Policy instance

Insurance contract or identification number	719716
Number of Individuals Covered	203
Insurance policy start date	2021-01-01
Insurance policy end date	2021-12-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $167
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $0
Amount paid for insurance broker fees	167
Additional information about fees paid to insurance broker	REFERRAL/SERVICE FEE
Insurance broker organization code?	3

PRINCIPAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 61271 )

Policy contract number

613953

Policy instance

Insurance contract or identification number	613953
Number of Individuals Covered	203
Insurance policy start date	2021-01-01
Insurance policy end date	2021-12-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $16
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $0
Amount paid for insurance broker fees	16
Additional information about fees paid to insurance broker	REFERRAL/SERVICE FEE
Insurance broker organization code?	3

PRINCIPAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 61271 )

Policy contract number

719716

Policy instance

Insurance contract or identification number	719716
Number of Individuals Covered	250
Insurance policy start date	2020-01-01
Insurance policy end date	2020-12-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $88
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $0
Amount paid for insurance broker fees	88
Additional information about fees paid to insurance broker	REFERRAL/SERVICE FEE
Insurance broker organization code?	3

PRINCIPAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 61271 )

Policy contract number

613953

Policy instance

Insurance contract or identification number	613953
Number of Individuals Covered	250
Insurance policy start date	2020-01-01
Insurance policy end date	2020-12-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $14
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $0
Amount paid for insurance broker fees	14
Additional information about fees paid to insurance broker	REFERRAL/SERVICE FEE
Insurance broker organization code?	3

PRINCIPAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 61271 )

Policy contract number

613953

Policy instance

Insurance contract or identification number	613953
Number of Individuals Covered	219
Insurance policy start date	2019-01-01
Insurance policy end date	2019-12-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $9
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $0
Amount paid for insurance broker fees	9
Additional information about fees paid to insurance broker	REFERRAL/SERVICE FEE
Insurance broker organization code?	3

PRINCIPAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 61271 )

Policy contract number

613953

Policy instance

Insurance contract or identification number	613953
Number of Individuals Covered	223
Insurance policy start date	2018-01-01
Insurance policy end date	2018-12-31
Total amount of commissions paid to insurance broker	USD $14
Total amount of fees paid to insurance company	USD $33
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $14
Amount paid for insurance broker fees	0
Insurance broker organization code?	3
Additional information about fees paid to insurance broker	REFERRAL/SERVICE FEE

PRINCIPAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 61271 )

Policy contract number

719716

Policy instance

Insurance contract or identification number	719716
Number of Individuals Covered	207
Insurance policy start date	2017-08-01
Insurance policy end date	2017-12-31
Total amount of commissions paid to insurance broker	USD $21
Total amount of fees paid to insurance company	USD $0
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $21
Insurance broker organization code?	3
Insurance broker name	MERRILL LYNCH LIFE AGENCY INC.

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Company Name:	CREATIVE BUSINESS SOLUTIONS, INC.
Employer identification number (EIN):	800501539
NAIC Classification:	541600