Services

As a full-service retirement plan consulting and administration firm, we provide comprehensive support to meet the needs of both employers and employees. Our team delivers a complete range of retirement plan services, including:

Plan Design and Implementation

Selecting, customizing, and implementing a retirement plan can be complex. Our professionals guide employers through each step to ensure a plan that meets business goals and regulatory requirements. Our services include:

• Reviewing controlled group and affiliated service group structures
• Designing a plan tailored to the needs of owners, employees, and the organization
• Evaluating existing plans and recommending improvements
• Preparing IRS-required plan documents
• Preparing IRS determination letter requests, when applicable
• Creating the required Summary Plan Description

Defined Contribution Plan Record Keeping and Administration

We deliver complete administrative services to ensure smooth and efficient operation of your defined contribution plan:

• Calculating employee eligibility and entry dates
• Maintaining vesting records
• Determining eligibility for contribution allocations
• Allocating employer and employee contributions and plan earnings
• Allocating forfeitures, when applicable
• Processing distributions, including calculations, notices, forms, and IRS Form 1099-R
• Processing participant loans, including setup, documentation, and repayment tracking
• Processing hardship withdrawals
• Reconciling trust accounts
• Preparing customized participant statements
• Monitoring required minimum distributions

Defined Benefit (Cash Balance) Plan Actuarial Services and Administration

Our actuarial team applies its expertise to manage all aspects of defined benefit plan administration:

• Calculating employee eligibility and entry
• Maintaining vesting records
• Determining eligibility for benefit accruals
• Preparing annual actuarial reports and certifications
• Performing actuarial calculations for required employer contributions
• Preparing individual benefit statements
• Processing distributions, including calculations, notices, forms, and IRS Form 1099-R

Annual Compliance Testing and Government Reporting

We help employers maintain compliance with federal laws and regulations and provide guidance when corrections are needed. Our services include:

• Contribution deductibility calculations (§404)
• Annual additions testing (§415)
• Top-heavy testing (§416)
• Coverage testing (§410(b))
• ADP/ACP testing for 401(k) plans
• Preparation of IRS Form 5500 and all required schedules
• Preparation of the Summary Annual Report
• Preparation of PBGC filings for defined benefit plans

Consulting Services

Our team provides expert consulting support to help employers navigate the full lifecycle of their retirement plans:

• Plan amendments, terminations, and mergers
• Assistance during IRS and DOL audits
• Guidance on plan design changes
• Special plan or participant benefit studies and projections