The Pension Specialists

"We will show you how to fund a Qualified Retirement Plan when you're starting late."

First appearing in: "Catching Up",Southwest Airlines Spirit Magazine, October 2004

The Pension Specialists, Inc. is an independent third party administrator for benefit and retirement plans. Our mission is to meet our client's objectives by providing excellent service.

Formed in 1987, we have grown to service over 1,000 employer retirement plans, with service covering over 30,000 plan participants and over $500 million of retirement plan assets. We consult with clients to design and implement effective plans maximizing benefits. Our philosophy is to serve our clients with excellence and maintain open channels of communication. Our in-house staff performs all plan administration.

Our growth is fueled by referrals received from CPA's, Attorney's, Banks, Insurance and Investment Brokers seeking third party administration for their clients. We also receive many referrals from our clients.

The Pension Specialists, Inc. provide services to many well known companies, which include, Broker Dealers, Investment Firms, CPA Firms, Law Firms, Medical Groups, Hospitals, Engineers and Retail Businesses.

Have you had a pension checkup recently?

"The current changes to the pension law require deliberate action."

Plan Administration — Many changes in the tax law impact existing plans and design of new plans. Is your plan ready?
Investment Options — We offer a broad range of investment opportunities ranging from hands-on to hands-off management. Are you offering or utilizing the best investments options available?
Fiduciary Liability — For plans that enable participants to direct their own investment we help protect you from fiduciary liability. Are you exposed?

Consulting Services

Design Consultation
Feasibility Study
Employee Survey
Document Design
Communication & Enrollment
Human Resources

Administration Services

Documentation & Submission
Participation Record keeping
Compliance Testing
Discrimination Testing
Financial Statement Preparation
Actuarial Valuations
Government Filings
Termination Services
Human Resource Administration
Payroll Administration

Communication Services

Group Orientation Meetings
One-on One Enrollments
DOL 404(c) Compliance
Employee Booklets

Plan Types

SIMPLE Trusteed 401(k) Plans
Safe Harbor 401(k) Plans
Full Service 401(k) Plans
Profit Sharing Plans
Money Purchase Pension Plans
Target Benefit Pension Plans
Group 403(b) TSAs
Employee Stock Ownership Plans
Defined Benefit Pension Plans
- Traditional
- 412i
- Cash Balance
Section 125 Plans

Allocation Types

Pro-rata
Uniform Point Allocation
Permitted Disparity
New Comparability (IRC 401(a)4)
- (Cross Tested Benefit Based Discrimination Testing)

Document Types

Mass Submitter Prototypes
- Standardized
- Non-Standardized
Volume Submitter Prototypes
Individually Designed

Administration Types

Balance Forward with:*
- Any Single Fund Family
- Ten Fund Limit
- Pooled Accounts
- Quarterly Exchanges
- Quarterly Benefit Statements
Daily Valuation with:*
- Multiple Fund Families
- Fifty Fund Limit
- Omnibus Accounts
- Daily Exchanges
- Quarterly Benefit Statement
- 1-800 Account Access
- Print Internet Account Information on Demand

* Individual stock trading accounts are also available