Qualified Retirement Plan Services

Qualified retirement plans require a number of services.  At ALI Actuarial & Retirement Plan Services, we can take care of everything except investment of the plan assets.  We believe that is a personal decision best left up to you.

Our services include:

  • Plan Adoption (through one of our Adoption Agreements) of one of our Prototype Plans

  • Plan Design, Set-up, and Total Administration

  • Trust Reconciliation, Contribution Determination, Earnings/Forfeiture Allocations

  • Maintain Participant Accounts, Quarterly Statements to Participants

  • Distribution Processing, Loans/ Hardship Withdrawals

  • Plan Document, Summary Plan Description, Administrative Forms

  • ADP Testing, 415 Limit Testing, 401 Coverage Testing, Top-Heavy Testing

  • Form 5500 and Form 1099-R Preparation

  • Actuarial Valuation, FAS Reporting (Especially New FAS-132 Requirements)

Types of Plans Administered:

  • 401(k), SIMPLE, SEP, & Profit Sharing Plans

  • Money Purchase Pension Plans

  • Defined Benefit Pension Plans

  • Target Benefit & Hybrid Plans

  • Non-Qualified Plans, such as Deferred Compensation Plans, Top-Hat Plans, IRC Section 403(b) Plans, Section 457 Plans, and related types of plans

Service capabilities include:

  • Any Selection and Number of Investment Funds

  • Any Number and Type of Money Sources (401(k), match, after-tax, etc.)

  • Personal Financial Education & Personal Retirement Planning

  • Employee Communications

  • IRS/DOL Plan Audit Assistance, Difficult Compliance Situations

  • Full Website & Email

Services for Continuing Care Retirement Communities

CCRC's require a unique mix of actuarial services. Long-term profitability of a CCRC can only be maintained by forecasting the revenue and expenses associated with the anticipated mix of residents, by age, gender, and skilled care requirements. Long-range forecasting of the population involves assumptions about mortality and morbidity, as well as a full understanding of the CCRC contract terms and prices. We meet with CCRC leaders and collect data about their residents, contracts, and practices; then proceed to customize our open group forecast model to accommodate their unique situaton. Calculations are done in accordance with Actuarial Standards of Practice No. 3, as published by the American Academy of Actuaries.

If you have any questions about our services and capabilities, please contact us at ALI Actuarial & Retirement Plan Services.