Retirement Plan Services

Special Plan Services

When retirement plans get complicated — mergers, terminations, missed filings, complex testing — we bring the specialized expertise most providers can't.

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Beyond Routine Administration

Specialized expertise for complex plan situations

Multiple companies with shared ownership. An acquisition with two incompatible plans. Years of missed government filings. Unique benefit structures that don’t fit the standard mold. These are the situations where standard solutions aren’t enough — and where RMS’s specialized expertise makes a difference.

That’s why attorneys, CPAs, financial advisors, and even national record keepers refer their most complex retirement plan work to us. Whether you come to us directly or through a trusted advisor, you get a team that solves the problem start to finish — consulting, execution, and follow-through.

Why it Matters

  • Full Execution, Not Just Advice

    We don't hand you a memo and wish you luck. We handle the forms, filings, follow-up, and execution until the work is done.

  • Trusted by Professionals

    We know how to navigate unusual plan designs, ownership structures, and compliance challenges that standard administration doesn't cover.

  • Nuance Is Our Normal

    Control groups, corrections, and testing scenarios most providers rarely see are routine work for our team.

What RMS Provides

Specialized Services for Complex Situations

Five areas where specialized expertise makes a difference when standard solutions aren't enough.

  • Plan Terminations

    Shutting down a retirement plans the right way means final testing, proper document termination, full asset distribution, and final government filings. We walk you through every step, so nothing gets missed — even if we didn't set up the plan.

    • Final compliance testing
    • Plan document termination
    • Asset distribution and final government filings

  • Mergers & Acquisitions Plan Support

    Buying or selling a company raises immediate retirement plan questions. We review both plans' provisions, advise on strategy and timing, and account for the critical differences between a stock purchase and an asset purchase.

    • Plan provision review and comparison
    • Merger strategy and transaction timing
    • Stock vs. asset purchase guidance

  • Specialized Testing

    When ownership spans multiple entities or your plan has unique features, standard testing isn't enough. We perform the advanced testing that keeps complex arrangements compliant.

    • Control group testing
    • Benefits, rights, and features testing
    • Compensation testing

  • Government Filings

    We make sure every required filing is prepared accurately and on time. If filings have been missed, we help bring the plan up to date and navigate available correction and penalty-relief options.

    • Signature-ready filing preparation
    • Missed and late return catch-up
    • Penalty relief program guidance

  • Plan Corrections

    There are a lot of nuances in fixing a plan that's gone off track. We're the expert you lean on — guiding you through IRS and DOL correction programs and executing the fix step by step.

    • IRS and DOL correction programs
    • Step-by-step guidance and full execution
    • Direct coordination with your record keeper

Is This Right for You?

Who Needs Special Plan Services?

Some situations call for more than routine administration. Here's when to bring in specialized help.

  • Who We Serve

    • Companies with multiple entities or shared ownership
    • Holding companies with plans across subsidiaries
    • Plan sponsors with unique benefit structures
    • Attorneys, CPAs, record keepers, and advisors with complex plan needs

  • When to Consider

    • Buying or selling a company
    • Closing down a retirement plan
    • Missed deadlines for government filings
    • Tiered benefits or compensation exclusions (bonuses, commissions, overtime)

  • Common Scenarios

    • Control group determination across entities
    • Combined plan testing (ESOP + 401(k))
    • Service- or tenure-based matching formulas
    • Benefit audits and QDRO reviews

Facing a plan situation that doesn't fit the mold?

If you're not sure what you need, or your current provider says it can't be done, talk to us. Complex is what we do.

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All requests receive prompt responses with information."

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Have a complex plan problem? Let's solve it.

Bring us the situation, however tangled, and we'll map the path forward.

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