Our Services

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We provide full end-to-end administrative and compliance services for small, privately held Employee Stock Ownership Plan (ESOP) companies. As part of our standard delivery model, we: 

• determine employee eligibility for Plan and allocation of contributions
• track Plan loans and handle share release calculations 
• allocate company contributions and forfeitures
• conduct Trust to participant accounting reconciliations
• provide full account updates and reporting
• maintain vesting schedules
• handle participant distribution processing and reporting to Plan Trustee

We also provide comprehensive ESOP compliance services. For our clients, we: 

• prepare an annual signature ready Form 5500 and related schedules
• produce the Summary Annual Report
• conduct IRC 410(b) coverage testing
• conduct IRC 416 top-heavy testing
• conduct IRC 415(c) annual additions testing
• conduct IRC 414(s) compensation testing
• conduct IRC 409(p) anti-abuse testing

Partnering with Plan Sponsors, we support the entire annual reporting and audit process by: 

• preparing the annual financial statements with all schedules and footnotes for the 11-K and 5500 submissions
• acting as a liaison between the Plan sponsor, record-keeper, trustee, plan auditor and other third parties through the annual audit process
• preparing Trust to participant reconciliation and associated 
• reconciling all financial activity including contributions, distributions, forfeitures, loans and Plan expenses
• assuring all compliance testing is complete
• reviewing the annual 5500 report and schedules for accuracy and completeness

Leveraging over 30 years of experience in the Retirement Plan market, we offer comprehensive solutions with:

• record-keeper oversight and problem management
• Plan compliance
• ESOP repurchase liability studies