Maximize Retirement Benefits
To attract and retain the best employees, companies must offer competitive retirement benefits in addition to a fulfilling work environment. PensionTrend can help you maximize retirement benefits for your employees by choosing the right plan for your organization and administering it. We will manage this business so you can manage yours.

We also serve as a third-party administrator, relieving you of the tasks of recordkeeping and reporting. Responsibilities such as determining eligibility, keeping track of account balances, completing tax returns and issuing distributions are taken off your plate. We will also work with your employees to help them make the right choices for their individual situations.

Administrative Services Menu

• Testing & Compliance
• IRS Reporting
• Plan Administration & Recordkeeping
• Employee Education & Communication
• Individual Investment Services

Let us add value to your current retirement plan or help your organization’s retirement plan get off to a great start. Contact us now.

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Administrative Services

Testing & Compliance – Our most significant responsibility is ensuring the plan complies with Internal Revenue Code requirements in all respects including the following categories:

• 415 Maximum Annual Limits
• ADP/ACP Discrimination Testing
• Top-Heavy Testing
• Minimum Coverage/Participation

IRS Reporting

• IRS Form 5500 Preparation
• IRS Form 5500 Submission
• Attached Schedules for Form 5500
• Summary Annual Reports
• IRS Form 1099

Plan Administration & Recordkeeping

• Determine Eligibility
• Benefit Calculations, vesting and minimum distributions
• Loan Administration
• Distributions (terminations, loans, hardships, QDROs)
• Trust Accounting Services
• Participant Account Allocations
• Daily Valuations for Participant Accounts
• Actuarial Services
• Preparation of Participant Statements & Company Reports
• Annual Report Package and Strategic Planning Session

Employee Education & Communication

• Enrollment Meeting & Materials
• Educational Workshops
• Internet Access
• Toll-Free Telephone Access
• Retirement Planning Software

Plan Design Services

Current IRS rules and regulations allow for much creativity in the design of defined contribution plans. What sets PensionTrend apart from larger, more institutional plan providers is our ability to master these concepts for your company’s benefit. PensionTrend’s staff of actuaries, accountants and administrators know the ins and outs of these regulations and can customize a product just for you.

Types of Plans that we design and administer:

Profit Sharing
401(k) Plans
Cross-Tested/Age-Weighted Plans
New Comparability Plans (Super Integrated Plans)
Defined Benefits Plans
Money Purchase Pension Plans
Target Benefit Plans
Simplified Employee Pension (SEP)
Simple IRA/401(k) Plans

 

Individual Investment Services Also Available

• Services for individuals are provided through our affiliate, PensionTrend Investment Advisers, LLC.