Services

401(k) Plans:

• We offer a number of different 401(k) plans depending upon the needs of the client 

• We specialize in the new "Safe Harbor Cross Tested 401(k) Plans" for small employers - if you have just a few employees, this type of plan will be much better than a SIMPLE or SEP. 

• Some arrangements are ideal for small emerging companies. Others plans are more appropriate for medium-sized companies and still other plans are most appropriate for larger companies

• One of our most popular 401(k) programs offers 1000+ mutual fund choices from over 60 fund families. Through a 'mutual fund windo' participants can use any of 1000+ funds. This program can also offer a "brokerage window" for those participants who prefer to buy individual stocks and bonds. 

• For our very largest clients, we offer plans involving the highest level of Internet and Intranet applications designed to handle the large number of participants. This is accomplished through alliances with some of the largest mutual fund families (Vanguard, Fidelity and others).

All of Our 401(k) Plan Arrangements Offer:

• A Wide Variety of  Investment Options

• Daily Valuation of Participant Accounts

• Internet Enabled For Inquiry, Fund Transfers and Changing of Investment Allocations

• Internet Web Page for FAQ's, Retirement Planning Resources and Educational Materials

• 800 # Voice Response Unit - Inquiry, Transfers and Investment Allocations   

• Extensive Employee Education - Motivation to Participate and Investment Fundamentals

• Superb Enrollment Materials

• On-line Enrollment via the Internet

• Complete Discrimination Testing and Government Reporting

• Loan & Hardship Distribution Processing

• Quarterly Participant Statements

• Quarterly Investment Performance Reports and Fund Profiles

• On-line Performance Updated Daily

• Very Experienced Administrators Supplemented with Extensive Technical Review

Regular Retirement Plans:

• Profit Sharing Plans

• "New Comparability" Profit Sharing Plans (Allocation Favors Older Owners)

• Money Purchase Pension Plans

• Defined Benefit Plans

• Design, Installation and Annual Administration

• Self-Trusteed Plans (We Do the Trust Accounting)

• Investments Can Be Handled by Participants or Trustees

• Full Government Reporting and Compliance

• Economical But Flexible Prototype Documents

Cafeteria Plans:

• Premium Conversion; Flexible Spending Accounts and Dependent Care

• Design & Installation

• Annual Administration Including Claims Administration

• Necessary Discrimination Testing

• Preparation of Form 5500

If you have any question about our services, please call Paul Carlson (650) 341-3322 or e-mail him at paul.carlsonplandesign.com

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