We are a full service consulting and administration firm, that ensures that the needs of you and your employees will be met. We offer a complete menu of retirement plan services. Click below for details of the services provided.

• Plan Design and Implementation
• Defined Contribution Plan Recordkeeping and Administration
• Defined Benefit Plan Actuarial Services and Administration
• Annual Compliance Testing and Government Reporting
• Consulting Services

Selecting, customizing and implementing a plan is daunting. Our professional staff guides you through this process and educates you to choose what is right for your company:

• Review any affiliated company issues.
• 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.
• Meet annually, or more often, to discuss changing design goals.
• Prepare customized enrollment and administrative materials.
• Conduct employee meetings to communicate the provisions of the plan.

We perform the following services in order to provide for smooth and efficient plan operation:

• Do all non discriminate testing to allocate optimal contribution.
• Calculate employee eligibility and plan entry.
• Calculate participant vested percentage statements.
• Allocate employer and employee contributions and earnings of the plan.
• 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.
• Trust Account Asset Reconciliation.
• Prepare Participant Statements.
• Monitor age 70½ distribution requirements.

Our professional staff has the expertise and up-to-date technology to provide the necessary actuarial and administrative assistance to manage your defined benefit plan:

• Do all testing to insure IRS non discriminate statutes are satisfied in optimal manner.
• Calculate employee eligibility and plan entry.
• Determine eligibility to receive benefit accrual.
• Prepare Annual Actuarial Report and Valuation Certification.
• Actuarial determination of required employer contributions.
• Preparation of individual benefit statements and vesting.
• Distribution processing: Calculation of distribution amount, preparation of required distribution notices, release forms and IRS Form 1099-R.

• Contribution deductibility calculations (§404).
• Non discriminant of Benefits testing (§404(a)4).
• 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 certain defined benefit plans only).

• Plan Redesign
• Plan amendments, terminations and mergers.
• Assist with IRS and DOL audits.
• Conduct special plan or participant benefit studies or projections.
• Compliance Issues