Department of Labor filing

Creative Data Systems,

CREATIVE DATA SYSTEMS, INC. 401(K) · For the plan year ended Dec 31, 2025

Spot something wrong?
Latest public filing 2025 · received Jul 10, 2026

At a glance

The details employees usually care about

Bottom line: The employer contribution is documented. Check the vesting schedule before comparing offers. Reported employer money is near the middle of its peer group.

68Plan health
from public filings
See what drives the plan health score
Employer contributions versus peers52/10030% of the full model
Lower reported administrative cost76/10020% of the full model
Active-participant trend50/10010% of the full model
Net-asset trend50/10010% of the full model
Reported compliance signals100/10010% of the full model
Filing completeness100/10010% of the full model

Published only when at least four measures and half of the model weight are available. Missing information is excluded rather than scored as zero.

Employer matchSee verified formula

ributing employees may from time to time be re-enrolled unless they make an affirmative election at the time of the re-enrollment not to participate.

Value at $100,000 of paySee formula

There is not enough detail for a reliable example.

When the money is yoursA schedule applies

ys 100 % vested in their before-tax, designated Roth and rollover contributions plus earnings thereon.

Fees paid by employeesSee how costs are paid

8,658 Participant rollover 9,556 Employer 21,808 Total contributions 90,022 Total additions 368,247 Deductions from plan assets attributed to Benefits paid to participants 557,151 Administrative expenses 1,846 Total deductions 558,997 Net decrease ( 190,750 ) Net assets available for benefits: Beginning of year 1,779,896 End of year $ 1,589,146 The accompanying notes are an integral part of these financial statements.

When you can joinA waiting period applies

inistrator.

Roth 401(k)Offered

ed throughout this report even when referring to historical periods. Contributions Participants may contribute to the Plan on a before-tax basis (before-tax contributions) or on a designated Roth basis (after-tax contributions). The combined before-tax and designated Roth contributions may not exceed 60 % of the Participant’s compensation, as defined in the Plan, or exceed the maximum annual contribution amount per participant set forth in the Internal Revenue Code (IRC). Eligible employees and participants (including terminated participants with a balance in the Plan) may also contribute amounts representing eligible distributions from other eligible retirement plans or individual retirement accounts including the Telephone and Data Systems, Inc. Pension Plan (rollover contributions). New

Employer money vs. similar plans52th percentile

Up 0.0% over the filing history shown.

Still checking: investment choices, automatic enrollment

These details may be in documents available only to employees. We leave them blank until we find a dated source.

What to check first: the match, vesting, waiting period and fees. Use the filing history to see how the plan has changed over time.

One limitation: public filings do not show your personal investment returns. A blank means we could not verify the answer; it does not count against the plan. We still need a current plan document for today’s benefit rules.

Filing comparison · 202559out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions52nd percentileTypical peer $1,997 · based on 7,804 comparable plans
Lower reported administrative expense76th percentileTypical peer $55 · based on 7,555 comparable plans

This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.

Peer-group method: industry size. The comparison used the most specific peer group with enough valid filings.

The short version

What employees should know

For the year ended Dec 31, 2025, CREATIVE DATA SYSTEMS, INC. reported $12,934 in employer contributions across this plan, or $2,156 per active participant. This is the best company-wide filing average available—not a promise of what any one employee receives.

People actively participating6

Up 0.0% across the filing years shown. The filing does not report every employee who was eligible.

Employer money over timeUp 0.0%

Change in employer contributions per active participant.

Plan costs over timeUp 0.0%

Change in reported administrative cost per participant. Fund expenses may be separate.

Peer comparison59/100

Compared with similarly sized plans in the same industry.

What this public record cannot answer

For the current match, vesting rules, eligibility, employee fees, and investment choices, we need a recent plan document. We leave those details blank until we have one.

Money and scale

Contributions, assets, and expenses

These are plan-wide totals. They are not individual account balances.

Employer contributions
$12,934
$2,156 per active participant
Participant contributions
$67,142
Other contributions
$0
Amounts not classified as employer or participant contributions
Employer share of contributions
16.2%
Active participants
6
Small plan
Total participants
7
7 at the beginning of the year
Ending assets
$403,939
$57,706 per participant
Net-asset change
Up 0.0%
Not the same as investment performance
Beginning net assets
$268,245
Ending net assets
$403,939
Beginning liabilities
Not reported
Ending liabilities
Not reported
Total income
$135,814
Total expenses
$120
Administrative expenses
$120
$17 per active participant
Participant loans
Not reported
Not reported of plan assets

Three-year filing history

How the reported figures changed

Each chart uses the selected public filing for that year. Missing values remain blank rather than becoming zero.

Employer money per active participant
2025
$2,156
Administrative cost per participant
2025
$17
Active participants
2025
6
Total plan assets
2025
$403,939
Participant loans as a share of assets
2025
Not reported
Detailed filing history
Plan yearEmployer money per active participantActive participantsPlan assets
2025$2,1566403.9K

Changes in plan assets are not the same as investment performance.

Plan health

Operational signals worth checking

Participant loans as a share of plan assets
Not reported
Independent accountant’s opinion
Not stated in the filing
Late participant contributions reported
Not reportedA “yes” needs context and is not, by itself, proof of wrongdoing.
Loan defaults reported
Not reported
Lease defaults reported
Not reportedOnly a small number of filings report these events.
Nonexempt transactions reported
Not reported
Public plan identifier
431708944-001

Reported plan details

Identity and filing status

Plan type
Retirement plan
Employer arrangement
1
Plan effective date
Feb 1, 2020
Industry
Information
Amended filing
No
Final filing for this plan
No
Short plan year
No
401(k) feature reported
Yes
Show DOL characteristic codes2E2J2K2F2G3D2T

Company filings

Retirement-plan details in SEC filings

These are relevant passages from company filings. Open the filing for context; a passage only becomes a current plan term after we check its wording and date.

11-K · report period Dec 31, 2025TELEPHONE & DATA SYSTEMS INC /DE/ — 11-K filed 2026-06-02
Primary source · awaiting review
Employer contributions

ributing employees may from time to time be re-enrolled unless they make an affirmative election at the time of the re-enrollment not to participate. Prior to January 1, 2026, the employer matching contribution was 100 % of the first 3 % of a participant’s before-tax and designated Roth contributions and 40 % of the next 2 % of before-tax and designated Roth contributions. Effective January 1, 2026, the employer matching contribution increased to 100 % of the first 3 % of a participant’s before-tax and designated Roth contributions and 55 % of the next 3 % of before-tax and designated Roth contributions. Participants' Accounts and Investment Options Each participant's account is credited with the participant's before-tax and designated Roth contributions, rollover contributions, employer m

Vesting

ys 100 % vested in their before-tax, designated Roth and rollover contributions plus earnings thereon. Vesting in employer matching contributions plus earnings thereon is based on years of vesting service. Employer matching contributions plus earnings thereon vest 34 % after the participant completes one year of vesting service; and 100 % after the participant completes two years of vesting service. 4 Table of Contents Telephone and Data Systems, Inc. Tax-Deferred Savings Plan December 31, 2025 and 2024 Notes to Financial Statements A participant also becomes 100 % vested in employer matching contributions plus earnings thereon upon termination of employment after attaining age 65 or due to death or total and permanent disability (as defined in the Plan and determined by the disability ins

Automatic enrollment

ous service with the employers or their 18 th birthday. Participation in the Plan is voluntary, however, any eligible employee who does not enroll on his or her own, or opt out of automatic enrollment, will be automatically enrolled in the Plan starting on his or her eligibility date (or as soon as practicable thereafter). On August 1, 2025, United States Cellular Corporation, a subsidiary of TDS, changed its name to Array Digital Infrastructure, Inc. (Array). Array is used throughout this report even when referring to historical periods. Contributions Participants may contribute to the Plan on a before-tax basis (before-tax contributions) or on a designated Roth basis (after-tax contributions). The combined before-tax and designated Roth contributions may not exceed 60 % of the Participan

Fees

8,658 Participant rollover 9,556 Employer 21,808 Total contributions 90,022 Total additions 368,247 Deductions from plan assets attributed to Benefits paid to participants 557,151 Administrative expenses 1,846 Total deductions 558,997 Net decrease ( 190,750 ) Net assets available for benefits: Beginning of year 1,779,896 End of year $ 1,589,146 The accompanying notes are an integral part of these financial statements. 3 Table of Contents Telephone and Data Systems, Inc. Tax-Deferred Savings Plan December 31, 2025 and 2024 Notes to Financial Statements Note 1 Description of the Plan The following description of the Telephone and Data Systems, Inc. Tax-Deferred Savings Plan (the Plan) provides only general information. Participants should refer to the Telephone and Data Systems, Inc. Tax-Def

Current plan terms

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Filing evidence

Open the selected public records

We use the latest valid received filing for each year after resolving amendments and duplicate records. Open the source to check the original filing.

Filing ACK_ID20260710082156NAL0000815683001
Data sourceDOL Form 5500 bulk data ↗
Filing searchEFAST2 ↗