Retirement Plan Services
401(k), 403(b) & Defined Contribution Plans
Full-service plan design, administration, and compliance for companies of all sizes — with the responsive, high-touch service the big providers can't match.
What Is a Defined Contribution Plan?
Flexible retirement savings, built for your business
Defined contribution plans — including 401(k), Safe Harbor 401(k), 403(b), and profit-sharing plans — let employees save for retirement on a pre-tax or Roth basis, often with matching or profit-sharing contributions from the employer. They’re one of the most common workplace retirement benefits and an important tool for attracting and retaining a strong workforce.
But behind every well-run plan is careful design and ongoing compliance work. RMS analyzes your demographics, goals, and compensation strategy to design a plan that works for both the business and its employees — then handles the administration, testing, and filings that keep it compliant year after year.
Why it Matters
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Attract & Retain Talent
A strong retirement benefit can help your business compete for talent and support long-term retention.
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Tax Advantages for Everyone
Employer contributions may be deductible, while employees can save on a pre-tax or Roth basis and benefit from tax-advantaged growth.
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Design Flexibility
Safe Harbor, matching, profit sharing, and cross-tested designs give you flexibility to shape the plan around your goals, including maximizing contributions for owners and key employees.
What RMS Provides
End-to-End Defined Contribution Services
From plan design through annual testing and filings, our team manages the services that keep your plan running smoothly.
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Plan Design
We review your demographics, management philosophy, and compensation strategy to design a plan that's attractive to both the business and its employees.
- Safe Harbor and matching formula design
- Profit sharing and cross-tested designs
- Key employee contribution optimization
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Plan Administration
We handle the routine annual work that keeps your plan running accurately — and we do it with real people who answer your questions.
- Census review and contribution calculations
- Vesting updates and account summaries
- Distribution and loan processing
- Signature-ready Form 5500 preparation
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Compliance Testing
All required annual testing to verify your plan doesn't discriminate in favor of highly compensated employees — and stays qualified with the IRS.
- ADP/ACP nondiscrimination testing
- Coverage and top-heavy testing
- 415 annual additions and deferral limit testing
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Document Maintenance
Your plan document is the rulebook for your entire plan. We prepare it, keep it current as regulations change, and handle full restatements when the IRS requires them.
- Initial plan document preparation
- Required amendments and regulatory updates
- Full document restatements (every 6 years)
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Communication & Statements
If your record keeper isn't providing plan disclosures and notices, we prepare them — along with participant statements for annually valued plans.
- Annual notices and plan disclosures
- Participant statements for annually valued plans
- Summary Annual Reports
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Plan Corrections
Mistakes happen — missed deferrals, late deposits, operational errors. We guide you through IRS and DOL correction programs step by step, and handle the execution, not just the advice.
- IRS and DOL correction programs
- Step-by-step guidance and full execution
- Direct coordination with your record keeper
Is This Right for You?
Who Should Consider a 401(k) or 403(b)?
From first-time plans to complex designs, here's when a defined contribution plan makes sense.
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Company Profile
- For-profit businesses of any size (401(k))
- Nonprofits and educational institutions (403(b))
- Owners who want to maximize their own savings
- Companies competing for talent
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When to Consider
- Starting your first retirement plan
- Frustrated with your current provider's service
- Failed testing or compliance concerns
- Growing headcount or changing goals
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Advanced Strategies
- Safe Harbor designs to simplify testing
- Cross-tested profit-sharing allocations
- Pairing with a cash balance plan
- Roth and catch-up contribution options
Not sure which plan design fits your business?
Our consultants can walk you through every available plan structure and design the one that best fits your goals and your budget.
They are always on top of every question or concern I present them with."
Get Started
Ready for a retirement plan — and a provider — that actually fits?
Whether you're starting your first plan or switching from a provider that's stopped picking up the phone, we'll make the transition simple and keep your plan running smoothly.
Schedule a Free Consultation
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