CLIENT PORTAL
CLIENT PORTAL

FAQ

What does a 401(k) Third-Party Administrator (TPA) do?

A TPA handles the behind-the-scenes administration of your retirement plan — including compliance testing, government reporting, plan design consultation, and day-to-day operations support. We help ensure your plan stays in line with IRS and DOL rules.

Yes. A TPA works alongside your financial advisor (who manages investments and employee education) and your recordkeeper (who tracks individual participant accounts and processes transactions). We form part of your retirement plan’s team.

We conduct annual nondiscrimination testing (like ADP/ACP and top-heavy), prepare and file Form 5500, monitor eligibility and vesting, and review contribution limits to ensure your plan operates according to IRS rules.

Absolutely. We work closely with you and your advisor to tailor a plan to your company’s goals — whether that’s maximizing owner contributions, incentivizing employees, or minimizing costs.

Our services typically include:

  • Plan document maintenance and amendments
  • Annual compliance testing
  • Contribution and distribution calculations
  • Preparation of IRS Form 5500
  • Required participant notices
  • Ongoing consulting support

We offer transparent, flat-rate pricing based on plan complexity, size, and features. No hidden fees — just clear, fair pricing for professional retirement plan administration.

We work with:

  • Traditional 401(k) plans
  • Safe Harbor 401(k) plans
  • Solo/Owner-only 401(k)s
  • Prevailing wage/Davis-Bacon plans
  • Profit-sharing and combo plans
  • New Comparability plans

We pride ourselves on:

  • Personalized service and fast response times
  • Deep technical expertise
  • Collaborative relationships with advisors and CPAs
  •  A Midwestern work ethic and transparent approach

Yes — we have experience with IRS and DOL correction programs (like EPCRS and DFVC). If you’ve missed a deadline or failed a test, we can help get your plan back on track.

Contact us for a complimentary plan review or consultation. Whether you’re starting a new plan or looking to improve an existing one, we’ll walk you through the next steps.