PERSONALIZED PROGRAMS & SERVICE
When it comes to retirement plans, one size doesn’t fit all. That’s why we’ll design a plan tailored to your business. Plus, we’ll never make you use certain plan provisions or provide data in a specific format.
COMPLIANT, EFFICIENT ADMINISTRATION
We’ll make sure your program runs smoothly and follows all federal regulations.
TRULY UNBIASED CONSULTING
Our revenue isn’t based on asset size or investment returns, so our advice is completely objective.
UNBUNDLED, OPEN-ARCHITECTURE FORMAT
We can work with any plan design, combination of providers and investment platform.
IN—HOUSE ACTUARIES & CREDENTIALED CONSULTANTS
We’re part of an elite group across the country—and we’re the only consulting firm in the Inland Northwest—that employs both actuaries and plan consultants.
401(k), 403(b)
& 457 PLANS
Even though defined contribution plans are flexible in design, implementing them can still be…
DEFINED BENEFIT
PLANS
Defined benefit, cash balance and DB(k) plans require complex administration – and we’ll help…
NEW COMPARABILITY
PLANS
These profit sharing plans, also called age-weighted, give employers the ability to weigh…
EMPLOYEE STOCK
OWNERSHIP PLANS
(ESOPS)
ESOPs must follow strict IRS, DOL and SEC laws, so they require complex…
NONQUALIFIED
PLANS
Nonqualified plans, like rabbi trusts and deferred compensation, top hat and executive bonus plans…
DAILY
VALUATION
If cash accounts aren’t reconciled properly, balances, get distorted, the trustees’ fiduciary risks increase…
ONLINE
ACCESS
On our comprehensive, easy-to-use site, you can: See balances, portfolio information and…
COMPLIANCE
TESTING
Required under IRS and DOL laws, compliance testing is critical to keeping your plan qualified…
PLAN PARTICIPANT
SERVICES
We make it easy for your employees to manage their retirement plans. Here’s how…
PLAN DESIGN
& DOCUMENTS
Plans inevitably change-and we’ll help make it a smooth.
– Review your plan design…
FREE PLAN
ANALYSIS
We want you and your employees to get the most out of your retirement plan. So we’ll give you…
CONSULTING
From creating QDRO templates to merging your program to correcting failed compliance tests – our experts can help you…
REQUEST
WEBSITE
ACCESS
If you’ve forgotten your User ID or password, please contact us. Use the…
FORMS
Simply log in to your account to access all the forms you need to properly manage your program, including:
PLANNING TOOLS
We’re creating retirement planning tools…
PARTNER
WEBSITES
Our unbundled, open architecture format allows us to work with the companies you choose…
GOVERNMENT &
FOUNDATION LINKS
The following sites may be helpful during the operation of your plan.
CENSUS
FILE
REQUIREMENTS
Each year, we’ll need certain information to properly monitor your plan…
ADMINISTRATION &
COMPLIANCE REFERENCE
GUIDE
This reference guide outlines the annual tasks that are required in order to maintain your plan’s “qualified” status.
MEETING YOUR FIDUCIARY RESPONSIBILITIES
As an employer, the Department of Labor has strict rules that govern what you must do as a fiduciary…
SUBMITTING FEDERAL TAX WITHHOLDINGS
We’ve created handy step-by-step instructions that will walk you through how to submit your federal tax withholding…
ACCESSING
DOCUMENTS
AND FORMS
Accessing important plan documents and forms has never been easier. View, download and print right from our website….
2024 PLAN LIMITS
The federal government has updated the dollar limits applicable to qualified retirement plans…
TAX RETURN DATES HAVE CHANGED
The IRS has changed the due date for some business tax returns. While no changes were made to the deadline…
iJOIN FOR EMPLOYERS
Learn how to integrate iJoin
BASIC PLAN DESIGN
What’s a 401(k) plan?
What’s a 403(b) plan?
What’s a 457 plan?
What’s a profit sharing plan?
What’s a new comparability plan?
What’s a money purchase plan?
What’s an employee stock ownership plan (ESOP)?
What’s a defined benefit plan?
What’s a DB(k) plan?
What’s a cash balance plan?
What’s a section 125 cafeteria plan?
What’s a vesting schedule?
What’s a qualified plan?
What’s an unbundled plan?
Can our 401(k) plan be designed so that owners who are covered by the plan receive large tax deductible plan allocation, while keeping staff funding costs at relatively low levels?
MANAGING EMPLOYEE
ISSUES
If my employees need help selecting their investments, who should they contact?
What’s automatic enrollment?
How can employees contribute to their plans?
What are catch-up and Roth contributions?
What happens if I can’t find a former employee who has a balance?
Can we charge the fee for a distribution directly to the participant?
What do we do if a participant dies and the beneficiary is a minor?
What do we do if a participant dies and there is no beneficiary form on file?
What are acceptable reasons for a hardship withdrawal according to the IRS?
PLAN OPERATIONS &
REPORTING
Our ownership/business structure is changing. Do I need to notify you of the changes?
Who is the plan administrator?
What are the plan limits for the year?
How long do I have to deposit the employee and employer contributions?
How do I know which employees are participants in the plan?
Can I deliver my required notices electronically?
How do I order new enrollment materials?
Do I need to report sick/vacation hours and compensation?
What are the responsibilities of a plan fiduciary?
We rehired an employee. Is he/she eligible?
When is my census information due to my consultant?
What information did we give you last year?
What should I do with the beneficiary forms?
What is revenue sharing? How does it offset my fees?
How do I file my Form 5500 electronically?
USING OUR WEBSITE