Our service does not cease once a plan is established. We also provide a complete range of administrative services. Our disciplined procedures and the skills of our experienced staff ensure accurate and timely completion of all required governmental reports and continued compliance with ever-changing laws and regulations. Depending on the type of plan, administrative functions might include:

• Participant record keeping
• Form 5500 preparation
• 401(k) and 401(m) nondiscrimination testing
• Actuarial valuation and certification
• Calculations for SFAS nos. 87, 88, and 132
• 401(a)(4) nondiscrimination testing
• 410(b) compliance
• 415 monitoring
• Form 1099-R preparation

Our administrative services are available as a complete package or on a piecemeal basis to augment services performed by the client's accountant, the plan's investment sponsor, or in-house personnel.

Communication — For a benefit plan to be successful, it must be understood by its participants. To aid in the communication process, we are able to:

• Prepare Summary Plan Descriptions
• Present the plan in an employee meeting
• Provide clear and concise benefit statements
• Provide daily valuation services
• Describe distribution options
• Respond to employee questions