Plan Administration
Defined contribution plans require careful administration to stay compliant and operate smoothly—but they don’t need to be complicated.
Integrated Pension Design, Inc. manages all aspects of your 401(k), Safe Harbor, or Profit Sharing plan with accuracy, efficiency, and attention to detail—giving you confidence that your plan is handled correctly and allowing you to focus on running your business.
OUR DC ADMININSTRATION INCLUDES:
Eligibility & Entry Tracking
We calculate employee eligibility and monitor plan entry dates to ensure participants are enrolled on time and in accordance with plan rules.
Contribution Allocation
We allocate employer and employee contributions—as well as plan earnings—accurately and efficiently to maintain proper participant records and plan integrity.
Nondiscrimination Testing
We perform all required compliance tests, including ADP/ACP, coverage, and top-heavy testing, to help your plan meet IRS requirements and optimize contributions.
Trust Accounting & Reconciliation
We reconcile plan trust accounts regularly to ensure that financial records match participant balances and that all transactions are accurately recorded.
Vesting Calculations
We track service history and calculate participant vesting percentages based on your plan’s provisions, ensuring accurate benefit entitlements.
Distributions & RMDs
We process participant distributions, including calculating amounts, preparing required notices and tax forms, and monitoring age-based RMDs to ensure timely compliance.
Loan Administration
We administer participant loans by setting up accounts, preparing promissory notes, calculating amortization schedules, and tracking repayments to maintain compliance.
Participant Statements
We generate clear, detailed statements showing contributions, earnings, and account balances—keeping participants informed about their retirement savings.
Defined benefit plans offer valuable retirement planning opportunities—but they also require specialized expertise to stay compliant and operate efficiently.
Integrated Pension Design, Inc. provides full actuarial and administrative support to ensure your plan remains properly funded, accurately reported, and aligned with current IRS and ERISA requirements.
OUR DB ADMININSTRATION INCLUDES:
Eligibility and Benefit Accrual Tracking
We determine employee eligibility and monitor plan entry and accrual dates to ensure accurate participation and benefit calculations.
Nondiscrimination Testing
We perform all required IRS testing to confirm your plan satisfies nondiscrimination requirements in a way that is both compliant and strategically sound.
Annual Actuarial Reporting
We prepare the required Annual Actuarial Report for your plan, including the Valuation Certification and AFTAP (Adjusted Funding Target Attainment Percentage) Certification, ensuring accuracy and compliance with regulatory requirements.
Contribution Calculations
Our actuaries calculate the required minimum and maximum deductible employer contributions based on your plan design and funding status.
Participant Statements and Vesting
We generate personalized benefit statements that clearly outline each employee’s accrued benefits and current vesting status, helping them understand the value of their plan.
Distribution Processing
We calculate distribution amounts and prepare all necessary forms and notices, including IRS Form 1099-R, to ensure benefits are paid accurately and in full compliance with regulations.
With Integrated Pension Design, Inc., your retirement plan is supported by experienced professionals who understand the details and are committed to your plan’s long-term success.
