We Help Businesses Design, Establish, and Fund Insured Defined Benefit Plans

Our staff has an exceptional level of experience, with relationship managers averaging 35 years or more of tenure in the retirement industry. We have extensive knowledge of the pension and retirement markets – along with a keen understanding of the issues small businesses face. This combination of skills gives us the ability to help you create a plan that truly meets your needs and maximizes the value of your plan.

In addition to working with leading vendors to fund the plans, we handle fully insured plan administration. Our turn-key program simplifies administration by offering the following services to clients:

Actuarial plan design
IRS approved plan documents

Simplified installation
Plan administration

Compliance testing
Annual government filing assistance

Turn-key Plan Installation

Bonding against non-compliance operational error
Compilation and Evaluation of Census Information
Development of Benefit Structure
Analysis of Key Employee Relationships
Analysis of Funding Vehicles
Projection of Anticipated Costs
Determination of Alternative Benefits, Rights and Features
Determination of Retirement Dates and Features
Preliminary Plan Testing
- IRC §410(b) Coverage Testing
- IRC §401(a)(26) Plan Coverage Minimum
- IRC §415(b) Maximum Benefit Testing
- IRC §414(q) Highly Compensated Status
- IRC §401(a)(4) Non-Discrimination Testing
- IRC §401(l) Permitted Disparity

Development of Companion Plan Structure
Contribution Allocation Analysis
Application of ADP and ACP
Gateway Contribution Development
Development of Cross-Testing Support
IRC §415(c) Maximum Contribution Testing
Combined Plan Analysis
Analysis of IRC §404(a)(7) Limitations and Testing
Floor Offset Arrangements
IRS determination letters
Form 5500 filings

Third Party Administrative Services

Record Keeping

Life Insurance Policies
Segregated Accounts
Participant Loan Set-Up
Participant Loan Maintenance

Government Forms

Annual Return Extension
Separated Participants with vested benefits Form SSA
Qualified Plan Distribution Forms 1096 & 1099R
Form 5500

Documents

Amendments to existing plan documents
Plan merger documents

Plan Terminations

Defined Benefit Plan without IRS filing
Defined Benefit Plan with IRS filing
Defined Contribution without IRS filing
Defined Contribution Plan with IRS filing

Distributions

Defined Benefit Participant Benefit Calculation
Defined Contribution Distribution Election Forms
Required Minimum Distributions (After age 70 1/2)

Now’s the time to focus on retirement

Don’t put off saving for retirement any longer. Learn how a fully-insured plan can help you focus on your retirement savings.

Our financial professionals can prepare a personalized plan design illustration for you to determine if a fully-insured plan is right for you and your business. The illustration will show you how much you can contribute and your future retirement benefits.

To plan your retirement strategy, talk with your financial professional or Contact Us today.

Our Services