Services

San Diego Pension Consultants will prepare a Plan Document and Summary Plan Description, as well as prepare the forms required to submit the plan to the Internal Revenue Service for a determination letter.

Service to employees is also very important at San Diego Pension Consultants, Inc. We're conscientious about furnishing timely and accurate benefit statements and payments to plan participants, and about keeping questions to a minimum for our corporate clients. An experienced administrator is assigned to each account, and he or she has primary responsibility for answering all technical questions and completing all reports on a particular account. San Diego Pension Consultants processes all withdrawal and loan requests on a timely basis, and our consultants are all available by phone, fax or email to answer questions or respond to requests.

San Diego Pension Consultants maintains comprehensive records on the activity in each  in each participant's account. A complete administrative package is available for each client at year-end, including:

• Plan Optimization Consulting
• Confirmation of employee eligibility and vesting
• Highly Compensated Employee & Key Employee determination
• Top Heavy testing and calculations
• IRC §415 Annual Additions Test
• IRC §410(b) Ratio Percentage Test
• IRC §401(a) Non-Discrimination Test
• Trust Reconciliation
• Allocation of contributions & trust earnings to participants
• Annual employer report & participant statements
• Annual required government filings (Form 5500 Series with related schedules, PBGC)