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.
Plan Design and Implementation
Selecting, customizing and implementing a
plan can be a complex process. Our professional staff will
guide you through each step of the process including:
Review the employer's controlled group
and/or affiliated service group situation.
Design a plan tailored to the needs of
the owners, employees and the business itself.
If we are taking over a plan already in
existence, we will review the existing plan provisions
and recommend changes to fully meet the employer's goals
Prepare plan documents as required by
Prepare the request for an IRS
determination letter, if applicable.
Prepare the Summary Plan Description
required to be distributed to plan participants.
Prepare customized enrollment and
Conduct employee meetings to communicate
the provisions of the plan.
Contribution Plan Recordkeeping and Administration
We perform the following services in order
to provide for smooth and efficient plan operation:
Calculate employee eligibility and plan
Maintain participant vested percentage
Process each payroll, allocating
contributions and loan payments according to the
participant's investment elections.
Process fund transfers in accordance
with participant elections.
Determine eligibility for allocation of
employer contributions and forfeitures.
Allocate employer and employee
Allocate plan earnings.
Allocate forfeitures, if applicable.
Distribution processing: Calculation of
distribution amount, preparation of required
distribution notices, release forms and IRS Form 1099-R.
Loan processing: Set up of loan
accounts, preparation of promissory note and
amortization schedule and tracking loan repayments.
Hardship withdrawal processing:
Determination of hardship distribution amount and
preparation of application forms.
Reconcile trust accounts.
Prepare customized participant
Monitor participants who are required to
receive age 70� distributions.
We administer Section 125 plans which include premium
only plans, childcare, and medical reimbursement plans.
We will provide reimbursement to your employees for
medical bills submitted to us according to the provisions
of the plan as to the amount allowed each employee to
reduce their compensation tax free up to the maximum limit
they have chosen and not to exceed the amount allowed
under the cafeteria plan document.
With the limits on qualified contributions to defined
contribution plans, the alternative solution is to allow
an employee to contribute to a non-qualified plan along
with the employer contributions.
These plans are designed on an individual basis with
the needs of the employer and employees in mind.
Testing and Government Reporting
Our professional staff has the knowledge
and expertise to help keep your retirement plan in
compliance with federal laws and regulations and, should
violations occur, we provide you with methods of
Contribution deductibility calculations
Annual additions testing (�415).
Top heavy testing (�416).
Coverage testing (�410(b)).
ADP/ACP testing (applicable to 401(k)
Preparation of IRS Form 5500 and related
Preparation of Summary Annual Report for
Preparation of appropriate PBGC form
(for defined benefit plans only).
Plan amendments, terminations and
Assist with IRS and DOL audits.
Provide assistance with plan design
Conduct special plan or participant
benefit studies or projections.