Getting Started

We recognize that each client is unique, and that creating a successful 401(k) plan means accurately identifying the client’s specific needs before the plan is established. We oversee document preparation. And, for conversion plans, we will work directly with the previous provider to ensure the accurate transfer of data and plan assets.

Our plan analysis is designed to ensure that the important questions get answered during the plan’s development. It includes features and benefits that meet the client’s objectives while remaining within budget. Based on the results of the design phase, our plan consultants navigate the company through the plan implementation process. Not only do we oversee document preparation, but we also work with the sponsor and advisor to ensure a successful enrollment.

Plan Recordkeeping

TradePMR Retirement offers the following services as they pertain to daily valuation recordkeeping:

• Determine eligibility for entire employee population
• Process employee contributions, loans and distributions
• Calculate employer contributions
• Execute all necessary transactions with custodian
• Process participant elected transfers
• Reconcile trust assets to plan assets on a daily basis
• Allocate any applicable dividends
• Prepare and mail participant statements

We adhere to rigorous quality control procedures to ensure the highest level of accuracy and timeliness. Supervisors and peers must review even the smallest tasks, as we work to better your client relationship through overall superior delivery of services.

Plan Administration

TradePMR Retirement offers a complete plan administration service. Each plan receives thorough, accurate, routine tests and government forms, including:

• General compliance under IRC § 401(a) (4)
• ADP and ACP under IRC § 401(k) & (m)
• Maximum elective deferrals under IRC § 402(g)
• Deductibility under IRC § 404
• Coverage under IRC § 410(b)
• Annual additions IRC § 415 (c)
• Top heavy under IRC § 416
• IRS Form 5500 and related attachments

Plan Support

TradePMR Retirement Services provides advisors with an Account Executive who serves as a single point of contact for any questions that may arise regarding any of our products or services.

As part of TradePMR's offering, plan sponsors can take advantage of the Sponsor Access website. The Sponsor Access website gives clients an effective, flexible, and streamlined administrative process, reducing paperwork and the manual processing associated with running 401(k) plans.

Some of the Plan Sponsor Functions include:

• Edit and Configure Employee Data
• Review Plan activity
• Process Contributions
• View Participant Activity
• Access Forms and Reports
• Communicate Bulletins