Retirement Services
Custom retirement solutions, designed and administered around your goals.
Your Local Experts
From plan design to annual filings, your PCI team handles it all.
Plan design, compliance testing, administration, government filings, actuarial consulting, whatever your plan needs across the year, the same team stays with you and does the work.
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Creative plan design and implementation, including 401(k), Profit Sharing, Defined Benefit, and Cash Balance plans, built around your business and tax strategy.
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Actuarial consulting and detailed analysis to determine whether your plan's allocation formula is appropriate and to calculate optimal contribution levels for key employees.
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Drafting and execution of plan documents to comply with all mandated government restatements.
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Eligibility determination for newly hired and re-hired employees, monitoring of all IRS limitations, annual discrimination testing, Top Heavy monitoring, and vesting determination.
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Processing of distributions and loans from the plan, and reconciliation of contribution deposits to trust assets for each employee.
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Assistance with any IRS or DOL audit of the plan.
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An annual management report with recommendations for the coming year, a signature-ready Form 5500 annual return, and miscellaneous government reporting, including Forms 1099R, 5330, and others.
A Service-Driven Approach
How we serve you throughout the year:
Retirement plans run on a calendar of deadlines. We track every one of them and work with you all year to keep the plan compliant, cut tax liability, and grow savings. The timeline below is a sample of the deadlines that apply to calendar-year defined benefit, cash balance, and 401(k) plans.
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![PCI focuses on annual plan administration from January to March, including ongoing retirement plan design review, annual notices, data request management, and data cleansing and validation.]()
January - March
With an ACP/ADP testing deadline of March 15th, our team is focused on census file collection, and data verification and cleansing. We complete robust testing protocols that ensure our clients are maximizing their retirement objectives while maintaining a plan compliant with constantly changing regulations.
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![PCI focuses on milestones for Annual Plan Administration, Data Cleansing & Validation, and Annual Contributions from April to June.]()
April - June
In Q2, our team is focused on data accuracy and completeness as we begin the 5500 filing process. With ongoing support for plan participants and reconciliation procedures with record keepers underlying the data needed for 5500 production, we’re also leveraging insight to help you plan for future tax planning.
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![PCI focuses on tasks like annual contributions, asset reconciliation, annual testing, and annual reporting from July to September.]()
July - September
As we prepare for the October 15th 5500 filing deadline we’re prioritizing any corrections, testing concerns, or outstanding data requests needed to ensure a plan’s ongoing compliance. We also use this window to discuss future needs, as identified by our testing and report prep, as we plan for the coming fiscal year.
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![PCI focuses on Annual Plan Administration and Annual Reporting from October to December.]()
October - December
With all 5500’s filed, signed, and complete by October 15th, we focus on reviewing testing procedures for the following year to adjust to any changes in regulatory guidance. We also use this time to meet with all customers to ensure their plan continues to meet their strategic objectives.
Making Retirement Work for Everyone
Personal design. Local service. National support.
Pension Consultants is uniquely positioned to take on any challenge for any client. Whether you’re a sole proprietor, such as a dentist, lawyer, or doctor, who needs a solution like a 401(k) or Cash Balance Plan, or an employer in Connecticut's small business community, we can design a plan tailored to your business that helps you minimize your tax liability, maximize your retirement savings, and attract and retain your employees.
1,500
Total Plans Administered
15
Recordkeeping Partners
24
Retirement Consultants
$5B
Assets Under Management
125
New Plan Designs / Year
15
Avg. Years of Client Tenure
Backed by Strongpoint’s national infrastructure and resources, so we can meet any challenge.
450+ Retirement Analysts
~3K New Plan Designs Per Year
$61B+ Assets Under Management
33K+ Total Plans Administered
~9.5 Avg. Years of Client Tenure
35+ Avg. Years of Design Specialist Tenure
450+ Retirement Analysts ~3K New Plan Designs Per Year $61B+ Assets Under Management 33K+ Total Plans Administered ~9.5 Avg. Years of Client Tenure 35+ Avg. Years of Design Specialist Tenure
Let’s Partner