I did this yesterday night, and it disappeared very fast!
The following is for one very hungry person. Multiply by number of eaters. You need:
Cut red bell pepper lengthwise into four pieces, clean out, and place on piece of aluminum foil into toaster oven together with the onions.
Arrange bagels open-faced on plate. Put onions on two of the halfs. Put a bit of cream cheese and 2 pieces of roasted bell peppers on the other two. Sprinkle black pepper onto the bell peppers. Eat while still hot.