WHAT WE DO
Planning is bringing the future into the present so that you can do something about it now.
Alan Lakein
The Human Side of 401(k) Administration
Decades of exceptional service. Personalized Compliance. Phones are answered by staff, no robot voice or menu to navigate.
Managing a retirement plan requires a dedicated team and personalized service. In the world of “Big-Box” providers, service is often automated, plan design is “cookie-cutter,” and when you have a compliance emergency, you’re stuck on hold with a call center.
We do things differently. As your dedicated Third Party Administrator, we bridge the gap between complex federal regulations and the actual humans running your business. We don’t just “process” your plan; we own the details so you can own your growth. We can help you decide what plan meets your specific goals.
| Safe Harbor 401(k) Eliminates annual nondiscrimination testing in exchange for mandatory employer contributions. | Cash Balance A hybrid defined benefit plan allowing significantly higher tax-deductible contributions (up to $200k+). |
| New Comparability Allows for different profit-sharing percentages based on job titles or seniority levels. | 403(b) Administration Specialized compliance testing for ERISA and non-ERISA tax-exempt organizations. |
Our Core Services
We work closely with your recordkeeper, financial representative and CPA to ensure your plan meets your financial goals and all legal requirements.
- Strategic Plan Design
Working with your financial advisor or CPA we look at of tax efficiency and employee retention.- New Comparability & Profit Sharing: Target contributions to specific groups.
- Safe Harbor Solutions: Eliminate the headache of annual ADP/ACP testing.
- Cross-Tested Plans: Maximize benefits for key employees
- Bulletproof Compliance
Ensure your plan remains tax-qualified and fair to all employees. ERISA and the IRS don’t take “I didn’t know” as an answer. We handle the heavy lifting.- Annual Nondiscrimination Testing: ADP/ACP, Top-Heavy, and 410(b) coverage testing.
- Form 5500 Preparation: Accurate, timely electronic filing with the DOL.
- Plan Document Maintenance: Keeping you current with SECURE 2.0 and evolving legislation.
- Seamless Participant Support
From “Can I take a loan?” to “Where is my distribution?” or “Can I take a hardship”?, we handle the administrative friction so your HR team doesn’t have to.- Loan & Distribution Processing: Fast, compliant and can be personalized to how your business operates. Paper forms or online, we know some employees need extra support.
- QDRO Review: Expert handling of complex legal divisions of assets. Have your employee or their attorney work directly with us.
- Vesting Tracking: Accurate record-keeping for every employee.
Ready for a 401(k) that actually works for you?
Whether you’re starting a new plan or looking to rescue an existing plan that isn’t working as promised with your current provider, we’re here to help. Contact us for a consultation 505.243.7222.
Abacus Retirement Solutions, LLC. is a third-party administrator. We do not provide investment advice or act as a recordkeeper or custodian.
Abacus Retirement Solutions, LLC
Monday – Friday 9:00 am to 5:00 pm (MST)
Phone 505.243.7222
Fax 505.243.5959