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Toledano & Associates, Inc.
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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.


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 and objectives.

  • Prepare plan documents as required by the IRS.

  • 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 administrative materials.

  • Conduct employee meetings to communicate the provisions of the plan.

Defined 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 entry.

  • Maintain participant vested percentage records.

  • 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 contributions.

  • 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 statements.

  • Monitor participants who are required to receive age 70� distributions.

Non-Qualified Deferred Compensation

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.

Annual Compliance 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 correction:

  • Contribution deductibility calculations (�404).

  • Annual additions testing (�415).

  • Top heavy testing (�416).

  • Coverage testing (�410(b)).

  • ADP/ACP testing (applicable to 401(k) plans).

  • Preparation of IRS Form 5500 and related schedules.

  • Preparation of Summary Annual Report for participants.

  • Preparation of appropriate PBGC form (for defined benefit plans only).

Consulting Services

  • Plan amendments, terminations and mergers.

  • Assist with IRS and DOL audits.

  • Provide assistance with plan design changes.

  • Conduct special plan or participant benefit studies or projections.

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