CUSTOM PLAN DESIGN
Your company and its specific strategy for executive benefits make your retirement plan unique; there is no reason for you to settle for an off-the-shelf plan document. We have decades of experience creating custom retirement plans based on the unique demographics, financial resources, and philosophies of our clients.
Plans are designed to maximize value for both employers and employees alike. Our experts will help you maximize saving opportunities and discover pre and post-tax advantages as well.
PLAN COMPLIANCE ADMINISTRATION
Woven into the fabric of America’s retirement plan landscape is a complicated labyrinth of rules, regulations, and administrative procedures. Failing to completely conform with these regulations, even by accident, can result in steep penalties and adverse tax consequences – all fully avoidable with the proper preparations and support.
For 50 years, we’ve lessened the burden our clients bear and ensured their retirement plans are in full compliance with ever-changing government regulations.
PLAN CONSULTING SERVICES
Whether your plan is with RPA, or not, we are your best source of knowledge for any plan issue, rule, or situation. Our experts can consult on how to bring troubled plans into compliance. They can testify at the IRS or DOL on your behalf. They can revise a plan design, and meet with the sponsor to discuss other plan options.
Whatever the retirement plan topic, we can help.
PAYROLL CONTRIBUTION SOLUTIONS
A major source of stress for HR personnel is the process of uploading timely payroll contributions, which is why we offer two client options that assume the responsibilities of your human resources department. We provide seamless and timely upload submissions.
DAILY VALUATION RECORDKEEPING
The need for accurate accounting and proper allocation of all monies in a retirement plan cannot be overemphasized. Our state-of-the-art pension plan software is designed to provide your plan with some of the most advanced daily valuation participant recordkeeping available in the industry.
By way of our strategic trading partnerships, “RPA Daily” provides its daily valuation recordkeeping clients with the most diverse offering of direct mutual funds available anywhere at a low cost. We also offer ETFs and individual brokerage accounts.
There is no longer the need to use a name-brand provider with limited fund choices, poor service, or insurance-wrapped funds. And those offers of “free plan administration” or “free payroll” are never free, as you are paying for them with high fund expense ratios, higher payroll fees, or costs for HR services that you are not using. As an RPA Daily client, your plan’s recordkeeping will include:
Daily account balance updates
Flexibility and choice of over 10,000 mutual funds and ETFs
Optional integrated individual brokerage accounts through TD Ameritrade
24/7 account access on the internet for both plan participant and plan sponsor
Automatic account rebalancing
Portfolio modeling with your investment advisor or broker
Toll-Free participant service lines
An RPA Representative is assigned to your plan for direct contact for questions and help
Quarterly paper statements
Timely distributions to terminated employees and loan applicants
Accuracy and timeliness of all reports and transactions
Income tax withholding and reporting for all distributions
So don’t fall for the big name syndrome, or the hidden cost packaging. With RPA, there are no conflicts of interest on funds, no hidden fees, and plenty of choice!