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Compliance Testing

Compliance testing is critical to maintaining a plan's qualified plan status and is required under Internal Revenue Service (IRS) and Department of Labor (DOL) laws. As your TPA (third-party administrator), Randall & Hurley will perform the required testing each year and will asist you in taking the necessary steps to correct any failed tests before government penalties are incurred.

Our plan consultants will continually review your client's activity, demographics and design to ensure appropriate provisions are in place to minimize test failure. This may include the addition of features, such as automatic enrollment or new comparability. Projected compliance testing mid-year helps to eliminate failed tests. After compiling projected discrimination testing results, Randall & Hurley will suggest alternative methods for conforming the results to IRS & DOL standards prior to the plan year end.

Our complete testing package includes performance of all IRS compliance tests, including:

• IRC Section 415 Individual Allocation Limits
• IRC Section 404 Deduction Limits
• IRC Section 402(g) Elective Deferral Limits
• Actual Deferral Percentage (ADP) Testing of Employee Contributions
• Actual Contribution Percentage (ACP) of Employer Matching Contributions
• IRC Section 410(b) Minimum Coverage Rules
• Top-Heavy Testing
• Minimum Contribution Rules on Behalf of Non-Key Participants
• Application of the Plan's Vesting Schedule & Reallocation of Non-Vested Balances
• All Other Compliance Testing Required as a Result of Plan Design

If you have questions about our services, please contact us. We'd be happy to help and provide a free quote for our services.

Learn more about what makes our company unique.