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Retirement

Chang, Ruthenberg & Long advises plan sponsors and fiduciaries on all aspects of qualified retirement plans, including: design; documentation; set-up; administration; reporting; fiduciary representation; termination; improvement; compliance assessment and correction; and, redesign and coordination.

We take a holistic approach in working with your benefits team on all aspects of the retirement plan, looking at the plan as a complex, integrated system that is part of the client's business to assure that all aspects of it work together. Our goal is to help you assure that:

  • The plan is designed to best accomplish your objectives.
  • The plan is in compliance with the most recent government rules and regulations.
  • Your organization has taken all of the steps necessary to insulate plan fiduciaries from liabilities.
  • The plan is free of document or operational failures that can compromise its tax-qualified status.

Is your retirement plan in compliance? Five questions to consider for the health of your plan.

Is your retirement plan in compliance? Five questions to consider for the health of your plan.

  1. You know the difference between the roles and responsibilities of the ERISA plan administrator and the third party administrator for you plan.
  2. Your plan is less than 7 years old.
  3. Your company has not gone through a recent merger or acquisition.
  4. You know who your plan fiduciary is and understand the potential extent of your fiduciary's liability.
  5. You have adequate, written policies for hardships, loans, participant-directed investments, automatic enrollment, and QDROs.



Expertise

Qualified Retirement Plans

  • 401(k), Safe Harbor 401(k), and SIMPLE 401(k)
  • Money Purchase
  • SEPs, SAR-SEPs
  • IRAs
  • Target Benefit
  • Traditional Defined Benefit
  • Cash Balance
  • 412(i)

Government Plans

  • 403(b)
  • 457(b)

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