- We specialize in designing plans for the smaller employer (500 or fewer employees). We
sell no products or investments. The sole measure of our success is the extent to which we
efficiently implement employer objectives.
Our design services
focus upon employer objectives in considering or maintaining a plan. We
attempt to arrive at a firm understanding of the context of the plan, and the
employer's business environment. For this reason, each of our design efforts
is unique to that employer's situation. Some of the tools available to us to
accomplish employer objectives include:
- Qualified Plans. Profit-sharing (traditional, 401(k), rate group
or "new comparability," age-weighted), stock bonus, ESOP, money purchase pension,
target benefit, and defined benefit (flat benefit, fixed benefit, unit
credit, and cash balance) plans.
- Cafeteria Plans. Premium only plans, medical/dental
reimbursement, life/disability insurance, dependant care, vacation pay,
adoption assistance, and flexible spending accounts.
- Nonqualified Plans. Elective deferred compensation, supplemental
executive retirement plans and benefit equalization plans (including
Top Hat and excess benefit plans), performance/incentive plans (including phantom
stock and stock appreciation rights), Rabbi trusts, Secular trusts, and split dollar