Plan Documentation

Today's benefit plans should be organic elements of the company business strategy. For the smaller employer, this means that the design options should be broad, amendments easily made, and the costs of changes minimized. Our "prototype" plan documents are pre-approved by the Internal Revenue Service, but offer virtually all of the options available under the law.

Key Concepts in

Benefit Plan Documentation

We offer qualified retirement plans, cafeteria plans, and nonqualified deferred compensation arrangements. We work with our client's tax, business, and legal advisors to ensure that the documents selected conform to their individual needs.

  • 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 insurance arrangements.


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