Our Services

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

Defined Contribution Plan Services and Administration
• 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.

Defined Benefit Plan Actuarial Services and Administration

• Calculate employee eligibility and plan entry.
• Maintain participant vested percentage records.
• Determine eligibility to receive benefit accrual.
• Prepare annual actuarial report and certification.
• Actuarial determination of required employer contributions.
• Preparation of individual benefit statements.
• Distribution processing: Calculation of distribution amount, preparation of required distribution notices, release forms and IRS Form 1099-R.

Annual Compliance Testing and Government Reporting

• 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.
• Expert witness testimony