Defined Contribution: Full Service

Our role is to provide plan sponsors, participants, and investment advisors a user friendly experience from administration through compliance/report. Although technology plays a key role in recordkeeping administration, we believe our people make the difference and encourage interaction by voice.

Each year, we provide an annual report with specific information customized to your plan. Included in the report are all of your plan statistics related to fees, usage and plan operations. We also include recommendations for improvements to your plan. The following chart is an example of the type of data included in our annual report.

For plan sponsors, we offer the maximum flexibility in plan design and investment selection. Although daily valuation is the most prevalent valuation frequency, we still operate some plans on a less frequent basis. Our plan sponsor services include:

• On-demand reporting

• Noteless Loans
  The plan sponsor may approve loans online if desired

• Flexible Contribution and Loan Repayment Processing
  We can process your payrolls in any format or medium

• Compliance tests completed accurately and timely

• Form 5500 completed accurately and timely in signature-ready form

• Participant communication strategy and implementation

• On-demand consulting

Most importantly, we are proactive from the day we are hired through ongoing administration. We plan ahead for all tasks and keep you informed of all promises and deliverables. Each service team includes an account manager, senior consultant, and daily administration consultant who knows you and your plan.

Participant satisfaction is crucial to your overall plan success. Therefore, we design a service model that makes it easy for your employees to enjoy their plan benefits. Most importantly, our Call Center personnel understand employee benefits!

Participant services include:

• 24/7 Internet access for transactions and inquiries

• Call Center Services from 8am - 8pm EST (includes transactions)

• On-demand participant statements for any time period (the beginning date cannot be earlier than our first day of recordkeeping)

• Loan initiation made easy

• Retirement Planning tools

Our standard compliance services for full service plans include:

• Plan Document and SPD creation and support
• Annual Form 5500 Reporting and required disclosures
• Forms 1099-R, 1096 and 945
• Projected and actual employer contribution calculations (if applicable)
• Compliance Testing
  • 401(k) Nondiscrimination [ADP/ACP]
  • General Nondiscrimination [401(a)(4)]
  • Compensation Nondiscrimination [414(s)]
  • Minimum Coverage [410(b)]
  • Top Heavy Analysis [416]
• Monitoring of Limits
  • Salary deferrals [402(g)]
  • Annual additions [415]
  • Compensation [401(a)(17)]
  • Deductible Contributions [404(a)(7)]
    • Compliance Testing
      • 401(k) Nondiscrimination [ADP/ACP]
      • General Nondiscrimination [401(a)(4)]
      • Compensation Nondiscrimination [414(s)]
      • Minimum Coverage [410(b)]
      • Top Heavy Analysis [416]
    • Monitoring of Limits
      • Salary deferrals [402(g)]
      • Annual additions [415]
      • Compensation [401(a)(17)]
      • Deductible Contributions [404(a)(7)]

All compliance reports/test results are delivered in a format that is easy to read and understand. You will always know where you stand and will not have to wait months for results or call in early March to see if you have any compliance issues!