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Qualified Retirement Plan Services

Qualified Retirement Plan Services

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Beyond a paycheck, your employees expect you to provide a comprehensive benefit package. In fact, a competitive benefits package often means the difference between retaining valued workers and seeing them go elsewhere.

Clifton Gunderson provides qualified employee benefit services to all types of businesses - from small, start-up companies to long-established firms. With years of practical experience in designing, administering and supporting benefit plans, we are prepared to design and implement a plan that meets your needs.

Clifton Gunderson’s Employee Benefit Services fall into four key areas:

Consulting Services

  • Plan design and implementation
  • Plan termination
  • Correction of plan qualification issues under various IRS corrective programs
  • Plan testing assistance
  • Assistance with Department of Labor issues
  • Fiduciary compliance reviews

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Document Services

  • Prototype profit-sharing, money purchase and 401(k) plans
  • Age-weighted and class allocation plans
  • Defined benefit plans
  • Notices to employees
  • Summary plan descriptions
  • Administrative forms
  • Application for IRS determination letter
  • Plan amendments and restatements

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Plan Administration/Recordkeeping Services

  • Ongoing plan accounting and administration
  • Compliance and legal reporting
  • Collection and review of employee census information
  • Posting of employee salary deferral contributions
  • Allocation of employer contributions and forfeitures
  • Reconciliation of trust assets and posting of investment earnings
  • Preparation of IRS forms
  • Calculation and testing compliance with all applicable discrimination tests
  • Defined benefit valuation services

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Investment Services

  • Investment selection and on-going investment monitoring
  • Employee enrollment meetings
  • Employee education meetings
  • Assistance with the analysis and selection of appropriate 401(k) plan investment and recordkeeping platform

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