Services

401(k), 403(b)
& 457 PLANS

Even though defined contribution plans are flexible in design, implementing them can still be…

401(k), 403(b) & 457 PLANS

Even though defined contribution plans are flexible in design, implementing them can still be complicated and time consuming. That’s where we come in. We’ll examine your current program and customize a service package to meet your needs and fit your budget.

Our services include:
–Accurate, efficient recordkeeping
–All required compliance testing
–Signature-ready government forms (like Form 5500)
–Daily valuation and trading
–Freedom to choose your own financial products, providers, trustees and custodians
–Age-weighted, cross-tested and new comparability plan features
–Phone and online account access
–Customized plan participant statements
–Plan participant education

DEFINED BENEFIT
PLANS

Defined benefit, cash balance and DB(k) plans require complex administration – and we’ll help…

DEFINED BENEFIT PLANS

Defined benefit, cash balance and DB(k) plans require complex administration—and we’ll help you manage your program properly. Plus, we have several consultants and in-house actuaries with extensive defined benefit experience.

Our services include:
–Recordkeeping for active, retired and terminated plan participants
–Maintaining historical data
–All required compliance testing
–Signature-ready IRS and PBGC government forms
–Calculating PS 58 costs
–FASB 87/88/35 disclosures and opinion letters
–Actuarial certification
–Actuarial determination of costs and benefits
–Phone and online account access
–Customized plan participant services
–Plan participant education

NEW COMPARABILITY
PLANS

These profit sharing plans, also called age-weighted, give employers the ability to weigh…

NEW COMPARABILITY PLANS

These profit sharing plans, also called age-weighted plans, give employers the ability to weigh contributions in favor of key employees who are nearing retirement. Therefore, new comparability plans must meet certain criteria and require specialized compliance testing. That’s where we come in.

Our services include:
–Accurate, efficient recordkeeping
–All required compliance testing
–Signature-ready government forms (like Form 5500)
–Daily valuation and trading
–Freedom to choose your own financial products, providers, trustees and custodians
–Age-weighted, cross-tested and new comparability plan features
–Phone and online account access
–Customized plan participant services
–Plan participant education

EMPLOYEE STOCK
OWNERSHIP PLANS
(ESOPS)

ESOPs must follow strict IRS, DOL and SEC laws, so they require complex…

EMPLOYEE STOCK OWNERSHIP PLANS (ESOPs)

ESOPs must follow strict IRS, DOL and SEC laws, so they require complex administration. We can take care of it for you.

Our services include:
–Accurate, efficient recordkeeping (including allocation of contributions, forfeitures and trust earnings, cost basis and share-price history for the employer’s stock)
–Reconciling transactions and earnings
–Calculating leveraged ESOP share releases
–All required compliance testing
–Signature-ready government forms (like Form 5500)
–Freedom to choose your own financial products, providers, trustees and custodians
–Phone and online account access
–Customized plan participant services
–Plan participant education

NONQUALIFIED
PLANS

Nonqualified plans, like rabbi trusts and deferred compensation, top hat and executive bonus plans…

NONQUALIFIED PLANS

Nonqualified plans, like rabbi trusts and deferred compensation, top hat and executive bonus plans, can significantly benefit certain employees. So there are strict regulations that govern them, making recordkeeping and reporting even more critical.

Our services include:
–Plan design and review
–General consulting
–Accurate, efficient recordkeeping
–Maintaining historical data
–Customized plan participant services

DAILY
VALUATION

If cash accounts aren’t reconciled properly, balances, get distorted, the trustees’ fiduciary risks increase…

DAILY VALUATION

Reconciling participant accounts on a daily basis lets plan participants manage their accounts in real time while minimizing the employer’s fiduciary liability. Mistakes can lead to substantial penalties and even cause a plan plans to be disqualified. We’re here to make sure that doesn’t happen. Our experienced consultants provide accurate, efficient daily valuation and trading, so plan participants always see an honest representation of their accounts.

Plus, we offer phone and online account access, so employers and plan participants can easily see the value of their plans from anywhere.

ONLINE
ACCESS

On our comprehensive, easy-to-use site, you can: See balances, portfolio information and…

ONLINE ACCESS

On our comprehensive, easy-to-use site, you can:
–See balances, portfolio information and performance
–Approve distributions
–Enroll employees
–File Form 5500
–Submit payroll and census information
–Access reports and forms
–Access an individual participant’s account
–Give users different permissions (For example, one employee can only view balances while another can only upload files.)

COMPLIANCE
TESTING

Required under IRS and DOL laws, compliance testing is critical to keeping your plan qualified…

COMPLIANCE TESTING

Required under IRS and DOL laws, compliance testing is critical to keeping your plan qualified. We’ll do your testing each year and help you correct any failed tests to avoid substantial penalties.

Our testing includes:
–IRC section 415 individual allocation limits
–IRC section 404 deduction limits
–IRC section 402(g) elective deferral limits
–Actual deferral percentage (ADP) testing of employee contributions
–Actual contribution percentage (ACP) of employer matching contributions
–IRC section 410(b) minimum coverage rules
–Top-heavy testing
–Minimum contribution rules on behalf of non-key participants
–Application of your plan’s vesting schedule and reallocation of non-vested balances
–All other testing your plan requires

PLAN PARTICIPANT
SERVICES

We make it easy for your employees to manage their retirement plans. Here’s how…

PLAN PARTICIPANT SERVICES

We make it easy for your employees to manage their retirement plans.

Here’s how:
–Customized statements that can include logos, charts, messages and more
–Mail statements directly to employees
–E-statements
–Phone and online account access that’s comprehensive and customizable
–Termination, in-service and hardship distributions, calculations and paperwork
–Loan requests, calculations and paperwork
–Calculate required minimum distributions (RMDs)
–Projected retirement account statements
–Total compensation reports on salary, direct benefit payments, indirect benefit costs and more

PLAN DESIGN
& DOCUMENTS

Plans inevitably change-and we’ll help make it a smooth.

– Review your plan design…

PLAN DESIGN & DOCUMENTS

Plans inevitably change—and we’ll help make it a smooth transition.

Here’s how:
–Review your plan design
–Draft amendments and restatements
–Consult on mergers and prepare necessary documents
–Prepare important forms and notices
–Updates on new legislative and regulatory laws
–Prepare and review model QDROs

FREE PLAN
ANALYSIS

We want you and your employees to get the most out of your retirement plan. So we’ll give you…

FREE PLAN ANALYSIS

We want you and your employees to get the most out of your retirement plan. So we’ll give you a free review of your qualified plan with detailed recommendations on how to improve it.

CONSULTING

From creating QDRO templates to merging your program to correcting failed compliance tests – our experts can help you…

CONSULTING

From plan mergers and acquisitions to correcting failed compliance tests or creating QDRO templates—our experts can help you with a whole host of other things. Just ask!

Services

401(k), 403(b)
& 457 PLANS

DEFINED BENEFIT
PLANS

NEW COMPARABILITY
PLANS

EMPLOYEE STOCK
OWNERSHIP PLANS
(ESOPS)

NONQUALIFIED
PLANS

DAILY
VALUATION

ONLINE
ACCESS

COMPLIANCE
TESTING

PLAN PARTICIPANT
SERVICES

PLAN DESIGN
& DOCUMENTS

FREE PLAN
ANALYSIS

CONSULTING

2025 RETIREMENT PLAN LIMITS

WHAT IS A SAFE HARBOR 401(K)?

NATIONAL RETIREMENT SECURITY MONTH – OCTOBER 2024

2025 HOLIDAY CLOSURES

SECURE ACT

Services

401(k), 403(b) & 457 PLANS

DEFINED BENEFIT PLANS

NEW COMPARABILITY PLANS

EMPLOYEE STOCK OWNERSHIP PLANS (ESOPS)

NONQUALIFIED PLANS

DAILY VALUATION

ONLINE ACCESS

COMPLIANCE TESTING

PLAN PARTICIPANT SERVICES

PLAN DESIGN & DOCUMENTS

FREE PLAN ANALYSIS

CONSULTING

401(k), 403(b)
& 457 PLANS

DEFINED BENEFIT
PLANS

NEW COMPARABILITY
PLANS

EMPLOYEE STOCK
OWNERSHIP PLANS
(ESOPS)

NONQUALIFIED
PLANS

DAILY
VALUATION

ONLINE
ACCESS

COMPLIANCE
TESTING

PLAN PARTICIPANT
SERVICES

PLAN DESIGN
& DOCUMENTS

FREE PLAN
ANALYSIS