For this reason, it is critical that clients carefully select their pension plan administrator wisely. Informed by our experience representing clients in periodic reviews, audits, and investigations by the DOL, IRS, Pension Benefit Guaranty Corporation (PBGC), and state agencies, we audit employee benefit plans to help ensure that our clients align their operating procedures with plan documents and fulfill all of their fiduciary obligations. The below image helps explain the the parties involved in plan inception and management and the interaction between entities. Our professionals, who include former employees of the government agencies charged with enforcement of ERISA and IRC requirements, advise employers on how to identify design and administrative errors. Pension plan administrator companies. However, we're on top of it and will keep you informed of any legal changes affecting your plan. Plan Service is the Key to Long-Term Success.
As your organization changes, Spectrum Pension Consultants also helps to re-design your retirement plan. Creating and implementing effective retirement plans require experienced legal counsel who truly understands their complexities and complicated regulatory environment. National Institute of Pension Administrators. Some of the specific functions our consultants may perform include. · Preparing plan documents with IRS submission for distribution to plan employees. If your employees pay for a portion of their health insurance costs, implementing a Section 125 plan allows for the premiums to be taken out of pay before being subject to payroll or income tax, saving the employer 7. A plan for effective communication and reporting to participants. Our services encompass the design, implementation, administration and actuarial valuation of all types of qualified and non-qualified defined benefit and money purchase pension plans. When companies must juggle hundreds of daily transactions involving various types of internal and external recordkeeping and different sets of administrative personnel, even the most conscientious employer can make an inadvertent error. DB plan administrators and Trustees must adopt policies that address risk management, including both investment risks and operational risks. If your plan size requires an independent audit, we will work with your auditor to minimize your administrative burden. Pension plan administration certificate. Experienced legal counsel should be retained to advise the Trustees on all legal matters, including possible securities litigation lawsuits or class actions, proposed changes to federal, state or local laws that might impact the plan, legal exposure to some forms of liability, loss of revenue through improper corporate activities and proper legal design of the plan to facilitate qualified status under the Internal Revenue Code. More... More... /NM.. As their name implies, hybrid plans combine features of both defined benefit and defined contribution retirement plans.
Have all benefit enhancements actuarially valued before they can be approved in order to ensure a complete understanding of their long-term financial impacts. Employee groups that will be eligible to participate in the retirement plan. Census information for proposal. Institutional Retirement Plan Design & Management | Regions Bank. More... In-depth: Risk Sharing in Public Retirement Plans, January 2019. There are numerous options for retirement savings plans if you own a business or are self-employed.
The staff of Coastal Pension provide superior service. We work directly with employers and their financial advisors to determine the package of retirement benefits that best meets their needs. This lens requires placing a priority on improving participant outcomes. SOC Audits test a variety of internal process controls for financial. Coastal Pension Services specializes in the design and administration of retirement plans. We listen to your objectives, analyze the data, and have a thoughtful discussion with you to craft a customized plan that accounts for the various complex legal requirements. Trustee and Staff Succession Planning. Craft the ideal retirement plan for you and your employees. Other plan review functions as needed. Bill Hastie, Founder' Hastie Financial Group. The formation of an attorney-client relationship requires consideration of multiple factors, including possible conflicts of interest. Retirement plan proposals will incorporate saving goals and demonstrate projected impact for employees, owners and other highly compensated individuals.
Breach of personal information from a retirement plan could harm participants and beneficiaries through identity theft, theft of pension benefits, or access to other financial accounts and information. Online reporting participants can use to: - Obtain information. Vary significantly in aptitude, capabilities, experience, and technology resources. Governance, Retirement Plan Design, Administration | Mercer US. At Dermody, Burke & Brown (DB&B), we specialize in helping our clients determine their needs, compare their options, and build custom benefits packages and retirement plans to meet their unique objectives. Krista provides exceptional customer service and has been a major asset to me and Lynch, Traub, Keefe & Errante, P. C. She is extremely knowledgeable and always accessible. Increasingly we are seeing lawsuits make the news that allege 401(k) plan sponsors haven't met their fiduciary obligations to select, monitor and replace plan investments.
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