Retirement Plan Design & Document Services
-
Custom retirement plan design
-
Preparation of IRS pre-approved plan documents
-
Summary of plan description
-
Safe harbor notices; QDIA notices
Annual Compliance, Administration & Tax Services
-
Preparation of interim and annual plan administration reports
-
IRS compliance testing and limitations
-
Eligibility determinations and vesting calculations
-
Trust accounting, financial reporting, and deposit reconciliations
-
Calculation of employer contributions and deduction limits
-
Form 5550 tax filings and other applicable tax returns
-
Preparation of participant benefit statements
Loan & Distribution Transactions
-
Participant distribution processing
-
Loan administration
-
Hardship reviews and consulting
-
Assistance with QDROs, 72 RMDs, and death benefit payouts
-
Preparation of 1099-R and Form 945 as requested
Technical Reviews & Consulting
-
Best practices and operational reviews
-
Related employer issues (controlled group/affiliated service groups)
-
Consulting for IRS and DOL correction programs and application package
-
Retirement plan considerations during merger and acquisition transactions
Plan Types Served
-
401(k) plans (traditional and Safe Harbor)
-
New comparability/cross-tested plans
-
Profit sharing plans
-
457 deferred-compensation plans
-
Cash balance pension plans