401k Plans
We've put together the components necessary to build a need-based retirement plan solution for our clients. This integrated solution combines products, service and support giving you the flexibility and reliability you need for your retirement plan.
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Plan Set Up
We recognize that each company is unique, and creating a successful 401(k) plan means accurately identifying the company's specific needs before the plan is established.
We oversee document preparation and - for conversion plans - we will work directly with the previous provider to ensure the accurate transfer of data and plan assets.
Our plan analysis is designed to answer the vital questions in crafting a plan with the features and benefits that encourage employee participation and meet the company's objectives while remaining within budget. Based on the results of the design phase, our plan consultants navigates the company through the plan implementation process. We oversee document preparation and, and work with the sponsor and advisor to ensure a successful enrollment.
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Plan Recordkeeping
Trade-PMR Retirement offers the following services as they pertain to daily valuation recordkeeping:
- Determine eligibility for entire employee population
- Process employee contributions, loans and distributions
- Calculate employer contributions
- Execute all necessary transactions with custodian
- Process participant elected transfers
- Reconcile trust assets to plan assets on a daily basis
- Allocate any applicable dividends
- Prepare and mail participant statements
We adhere to rigorous quality control procedures to ensure the highest level of accuracy and timeliness. Peers and supervisors must review even the smallest tasks, as we strive to better your client relationship through overall superior delivery of services. |
Plan Administration
Trade-PMR Retirement offers a complete plan administration services. Your Plan receives thorough, accurate, and timely tests and government forms, including:
- General compliance under IRC § 401(a) (4)
- ADP and ACP under IRC § 401(k) & (m)
- Maximum elective deferrals under IRC § 402(g)
- Deductibility under IRC § 404
- Coverage under IRC § 410(b)
- Annual additions IRC § 415 (c)
- Top heavy under IRC § 416
- IRS Form 5500 and related attachments
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Fund Selection
- Fund:Vanguard S&P 500
- Fund:Vanguard Blanced Fund
- Fund:Vanguard International Stock
- I-share:Russell 2000 Value
- I-share:S&P Midcap 400 Value
- Fund:Pimco US Gov't Long term
- Payden US Gov't R Short Term
- American Century Moderate Alloc
- Janus Advisor International Growth
- Money Market
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Plan Support
When you choose Trade-PMR Retirement Services, you will be provided with an Account Executive who will be your single point of contact for any questions you may have about the services you receive.
As part of Trade-PMR's offering, plan sponsors can take advantage of the Sponsor Access website. The Sponsor Access website gives your clients the effectiveness, flexibility and streamlined administrative processes, which reduce paperwork and the manual processing associated with running 401(k) plans.
Some of the Plan Sponsor Functions include:
- Edit and configure employee data
- Review Plan activity
- Process Contributions
- View Participant Activity
- Access Forms and Reports
- Communicate Bulletins
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