Our Services

Because we are a full service consulting and administration firm, partnering with us ensures that the needs of you and your employees will be met. We offer a full range of retirement plan services. Click below for details of the services provided.

 

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Plan Document Services

• Comprehensive review and coordination of plan administration needs
• Review of existing plan documents
• Coordination with Plan Sponsor, Trustees and professional advisors
• Preparation of plan document
• Preparation of Summary Plan Description

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Annual Administration Services Available

General Administration

• Compile employee census data electronically
• Review employee census data for accuracy
• Determine eligible Participants
• Calculate deductible employer contributions
• Allocate employer and employee contributions
• Prepare comprehensive valuation and administrative reports
• Determine loan or hardship withdrawal availability
• Perform preliminary year-end calculations to assist client and other advisors in the year-end planning process
• Perform preliminary non-discriminating testing and offer alternatives in avoiding failure of tests

Government Forms

Form 5500 Series Returns

Summary of Annual Report

Form 5330 (for payment of excise tax), if applicable

Compliance Testing

• Actual Deferral Percentage (ADP) Test IRC §401(k)
• Actual Contribution Percentage (ACP) Test IRC §401(m)
• Maximum Deferral Limitation IRC §402(g)
• Maximum Annual Addition IRC §415(g)
• Minimum Coverage Test IRC §410(b)
• Non-discrimination Testing IRC §401(a)(4)
• Deductibility Test IRC §404
• Top Heavy Test IRC §416
• Top Heavy Minimum Contribution Compliance IRC §416
• Compensation Limitation IRC §401(a)(17)
• Minimum Funding Standards IRC §412
• Minimum Required Distribution Compliance IRC §401(a)(9)

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Design and Implementation of Retirement Plans

Includes:

• Complete annual administration of plans, including:
  • Individual participant statements
  • Enrollment of new participants
  • Comprehensive report on all plan operations and compliance requirements
  • Form 5500 and other periodic government reports
  • Trust Accounts
• Benefit calculations and processing of employees’ terminations and retirements;
• Defined benefit plan actuarial valuations, ERISA certifications and FASB disclosures;
• Employee communication materials for 401(k) and other plans;
• Assistance with IRS, DOL and PBGC audits and pre-audit compliance programs;
• Termination of plans, including calculation of benefits, allocation of assets, and all necessary filings with government agencies;
• Consulting on effects of the ever-changing legislative and regulatory environment;
• Analysis and recommendations on tax options and implications of plan distributions;
• Compliance review of Qualified Domestic Relations Orders (QDROs).