Alliance Pension Consultants > Services > 401(k) / 403(b) Plans

401(k) / 403(b) Plans

401(k) / 403(b) Plans

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Implementation

Build a task driven calendar to guide process
Create a custom, secure website
Establish new custodial account
Discuss and update plan document (see Plan Design)
Prepare participant notices, including Blackout notice and fund mapping guide (if necessary)
Design enrollment and education materials, including a custom employee presentation

Plan Design

Discuss your goals
Review techniques and leverage tax laws to reach those goals
Create illustrations to review employer contribution methods and the benefits and costs
- Safe Harbor
- Match
- Profit Sharing – cross testing alternatives
Preparation of all required plan documents and participant notices
Establish separate plan tax ID# (EIN)

Plan Administration

Single point of contact at Alliance
Calculate eligibility and vesting
Allocation of employer contributions
Compliance testing
- Discrimination
- Coverage
- Top Heavy
- All other required tests
Government/IRS forms and reports
- Summary Annual Report (SAR)
- Full audit support

Recordkeeping

Custodian choice
- Charles Schwab Bank
- Mid Atlantic Trust Company
Full Open Architecture
- Over 20,000 investment options
  - Mutual Funds
  - ETFs
- Model Investment Portfolios
- Privately Managed Account Unitization
- Self-Directed Brokerage Accounts
- Trustee-directed accounts
- Company Stock
Plan Sponsor web access
Deferral and loan repayment processing
Distributions
Loans
Quarterly reports and participant statements

Employee Services

Full access toPlan!
- www.Alliance-Plan.com
  - Online enrollment
  - Change contribution rate and investment elections
  - Transfer between funds
  - Beneficiary designation
  - Educational resources and calculators
- 800.406.401k
  - 24 hour monitoring of plan account
  - Live Representative
    - Assist with navigating the RPIL website
    - Reset Username and Password
Enrollment materials
On-site meetings
Webinars