United Retirement Plan Consultants^SM are leaders in the design, administration and compliance for all types of qualified and non-qualified retirement plans.  Our success can be summarized in two disciplines that we apply to every engagement:

1. Our team works with clients to design plans that are custom tailored to specific business or individual objectives and meet ERISA and Internal Revenue Code requirements.
2. We then provide exceptional service using our proven proprietary system and extensive knowledge to ensure proper administration and continuing compliance.

Our unmatched network of local experts makes us your best partner in retirement plan design, consulting and administration.

• Defined Contribution Plans - Defined Contribution Plans enable plan sponsors to define the financial commitment of the sponsor, whether that is setting a matching contribution in a 401(k) Plan or structuring a discretionary Profit Sharing Plan. Plan sponsors also receive an income tax benefit in the form of a deduction for employer and employee contributions to Defined Contribution Plans. Types of plans designed and serviced include:
  • 401(k) Plans
  • 403(b) Plans
  • 457 Plans
  • ERISA 404(c) Compliant Plans
  • Profit Sharing Plans
  • Employee Stock Ownership Plans (ESOPs)
  • Target Benefit Plans
  • Money Purchase Plans
  • Custom Designed Plans
  
  In addition to Daily Valuation and Traditional Balance Forward Accounting services, we have special expertise in managing both Leveraged and Non-Leveraged ESOP Plans.
   
• Defined Benefit Plans - Defined Benefit Plans generally enable employers to provide a specific monthly benefit to retired employees without a financial commitment by employees. Services provided in relation to Defined Benefit Plans include:
  • Consulting
  • Plan Design and Interpretation
  • Plan Drafting
  • Plan Terminations
  • Employee Communications
  • Plan Mergers, Acquisitions and Spin-offs
  • Actuarial Valuations
  • FAS 87 / 88 Reporting (including post retirement medical plans)
  • Compliance Testing
  • Form 5500 Completion with Schedules  
     
•  Cash Balance Plans - Cash Balance Plans are important solutions in situations where highly compensated individuals may be looking to increase benefits and minimize taxes. These plans essentially combine the characteristics of a Defined Contribution Plan and a Defined Benefit Plan to meet a variety of situations. Our consultants can help you determine which solution best meets a client’s needs.
   
•  Non-Qualified Plans - Non-Qualified Retirement Benefit Plans enable employers to use after-tax dollars to provide retirement benefits to qualifying employees but does not provide favorable IRS tax treatment. In certain situations, Non-Qualified Plans can provide unique advantages over Qualified Plans to both employers and employees or may be used to supplement Qualified Plans for key executives. To help us in determining the best plan for your company we can undertake actuarial studies that allow us to consider issues such as:
  • Who to include in the Non-Qualified Plan?
  • What are the funding options for your Non-Qualified Plan?
  • What are the FAS 87 / 88 implications of your Non-Qualified Plan?