ANNUAL COMPLIANCE TESTING & GOVERNMENT REPORTING
Keeping your retirement plan compliant isn’t just a regulatory requirement—it’s essential to protecting your plan’s tax-qualified status and avoiding costly penalties.
Integrated Pension Design, Inc. handles all required annual testing and government reporting with precision and care, so you can be confident your plan is meeting IRS, DOL, and PBGC requirements and successfully passing all required nondiscrimination testing.
Contribution Deductibility & Limits
We calculate the maximum deductible employer contributions under IRS §404 and ensure annual additions stay within §415 limits for every participant.
Nondiscrimination & Benefit Testing
We perform §401(a)(4) testing to confirm that plan benefits do not disproportionately favor highly compensated employees, helping maintain compliance and equity.
Top-Heavy & Coverage Testing
We conduct §416 top-heavy testing and §410(b) coverage testing to determine whether your plan is properly structured and reaching the required employee population.
ADP/ACP Testing (401(k) Plans)
We complete ADP and ACP testing to ensure employee deferrals and employer matching contributions comply with IRS limits and keep your plan in regulatory compliance.
IRS Form 5500 Preparation
We prepare and file your annual Form 5500, including all necessary schedules and attachments, to ensure your plan satisfies federal reporting obligations and remains in good standing with the IRS.
Summary Annual Report (SAR)
We prepare the Summary Annual Report and support timely distribution to participants, promoting transparency and helping your plan stay compliant with annual disclosure requirements.
PBGC Premium Filing
For covered defined benefit plans, we handle all PBGC premium filings, ensuring your plan complies with funding-based premium requirements.
PBGC Annual Funding Notice
We prepare and distribute the Annual Funding Notice required for certain defined benefit plans, helping participants stay informed about plan funding status.
With Integrated Pension Design, Inc. managing your compliance and reporting, you’ll have a knowledgeable partner ensuring your plan remains up-to-date, fully compliant, and free from unnecessary complications.
