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Employee Benefit Links
Employee Benefit Plans | 401k | Pension | Retirement Specialists

Executive Benefit Plans specializes in retirement plans that achieve optimum benefit levels for owners, executives and employees of small companies.
www.benefitplans.com/
BenefitPlans.com | Tests | ADP

Jul 18, 2005 ... Executive Benefit Plans, Inc. specializes in designing retirement plans that pass required testing.
www.benefitplans.com/Tests/ADP_test.asp
BenefitPlans.com | Pension 401k Plans | Tests | Affiliated Service ...

In certain instances, companies that do not have interlocking ownership must be aggregated for testing purposes. Affiliated service groups and affiliated ...
www.benefitplans.com/Tests/affiliate_service_rules.asp
BenefitPlans.com | Tests | Minimum Coverage

Executive Benefit Plans, Inc. specializes in designing retirement plans that pass required testing.
www.benefitplans.com/Tests/minimum_coverage_test.asp
BenefitPlans.com | Strategies | Allocation Methods | Cross Tested

A new comparability or 'cross-tested' allocation method favors older, long-term employees.
www.benefitplans.com/Strategies/Funding/cross_tested.asp
BenefitPlans.com | Group Health Plan | HSA | Qualified Eligible ...

HSA Eligible Medical Expenses may include, but are not limited to: Acupuncture, Alcohol and drug rehabilitation, Ambulance Anesthetist, Artificial limbs and ...
www.benefitplans.com/Employee_Benefits/HSAs/HSA_qualified_medical_exp.asp
EBP About Us

Corporate Brochure Click Here · Retirement Plans · Strategies · Employee Benefits · Individual Benefits · White Papers · Proposal Request · Benefit News ...
www.benefitplans.com/About/Team.asp
EBP 401k

Frequently Asked Questions. How do I get a copy of my Investment Results? You may obtain information on your investment results in one of three ways: ...
www.benefitplans.com/FAQs/FAQs.htm
BenefitPlans.com

Rocky Mountain News. To print this page, select File then Print from your browser. URL: http://www.rockymountainnews.com/drmn/business/article/0,1299 ...
www.benefitplans.com/News/401Ks_require_planning.asp
BenefitPlans.com

What Happens When Our ACP Test Fails. Matching contributions and after-tax employee contributions must be tested under the Actual Contribution Percentage ...
www.benefitplans.com/Tests/ACP_test.asp
EBP White Papers

Executive Benefit Plans, Inc. White Paper Selection. We invite you to download and review the following industry articles and white papers of interest: ...
www.benefitplans.com/White_Papers/wp_list.asp
GUST and EGTRRA Qualified Plan Restatement Requirements

GUST and EGTRRA Qualified Plan Restatement Requirements. By Mark L. Shaffer, RHU, REBC. Q: What are GUST and EGTRRA? A: 'GUST' is an acronym that stands for ...
www.benefitplans.com/Downloads/GUST_and_EGTRRA.pdf
EBP 401k

FAQ's & Tips. Frequently Asked Questions · Direct Rollovers - Avoid 20% Withholding · Rating Investment Returns Of Your 401(k) ...
www.benefitplans.com/FAQs/FAQ_Tips_Menu.htm
BenefitPlans.com Plan Types

Main Link Column. Select this link Retirement Plans; Select this link Strategies; Select this link Employee Benefits; Select this link ...
www.benefitplans.com/Employee_Benefits/sec_125/125_overview.asp
EBP Plan Types

Non-qualified Retirement Plans. In the employer-employee relationship, nothing says "I love you" more than compensation. A pat on the back or some token of ...
www.benefitplans.com/Retirement_Plans/Non_Qualified/ncp_overview.asp
EBP Plan Types

Medical Reimbursement - Section 105; The "Benefits" of Section 105 Plans. Section 105 of the Internal Revenue Code may very well be one of the "best-kept ...
www.benefitplans.com/Employee_Benefits/Sec_105/Sec_105_overview.asp
BenefitPlans.com

EGTRRA Repeals Multiple Use Test. Multiple use of the alternative limitation test repealed: The multiple use test, which sometimes applies to 401(k) plans ...
www.benefitplans.com/Tests/multi-use_test.asp
BenefitPlans.com

Main Link Column. Select this link Retirement Plans; Select this link Strategies; Select this link Employee Benefits; Select this link ...
www.benefitplans.com/Retirement_Plans/Qualified_Plans/DC_Plans/conduitIRA.asp
BenefitPlans.com

Main Link Column. Select this link Retirement Plans; Select this link Strategies; Select this link Employee Benefits; Select this link ...
www.benefitplans.com/Retirement_Plans/Non_Qualified/SEP/sarsep.asp
BenefitPlans.com

Maximum Pension Benefit and Contributions Limits for 2003-2007. As published by the Internal Revenue Service November 2006. ...
www.benefitplans.com/Retirement_Plans/Qualified_Plans/DC_Plans/limits_2003-2007.asp
BenefitPlans.com

Main Link Column. Select this link Retirement Plans; Select this link Strategies; Select this link Employee Benefits; Select this link ...
www.benefitplans.com/Retirement_Plans/Qualified_Plans/DC_Plans/SIMPLE_401k/simple_401k.asp
BenefitPlans.com

The Basics On The New Catch-Up Contributions Allowed In 401k Plans. Among the many important new pension reform provisions of the Economic Growth and Tax ...
www.benefitplans.com/Retirement_Plans/Qualified_Plans/DC_Plans/dc_catch-up.asp
BenefitPlans.com

Main Link Column. Select this link Retirement Plans; Select this link Strategies; Select this link Employee Benefits; Select this link ...
www.benefitplans.com/Retirement_Plans/Qualified_Plans/DC_Plans/401k/safe_harbor_k.asp
BenefitPlans.com

401(k) Plans. 401(k) plans are one of the fastest growing plan designs available today. Technically known as Cash Or Deferred Arrangements (CODAs), ...
www.benefitplans.com/Retirement_Plans/Qualified_Plans/DC_Plans/401k/k_plan.asp
BenefitPlans.com

Proposed Roth 401K Rules. Roth-style contributions can be made to a 401(k)/403(b) plan by all participants, regardless of their income level. ...
www.benefitplans.com/Retirement_Plans/Qualified_Plans/DC_Plans/401k/roth_401k.asp
BenefitPlans.com

Advanced Concepts of Roth 401(k)s & Cash Balance Plans For Small Business. at the Pittsburgh Radisson Green Tree. Details - Download Seminar Flyer ...
www.benefitplans.com/seminar/
How Should I Fund My Retirement

How Can I Accumulate Retirement Assets? First you need to sit down with a Financial Planner and select an investment strategy that suits ...
www.benefitplans.com/Downloads/How_Should_I_Fund_My_Retirement.pdf
BenefitPlans.com | Pension Plan Glossary

Executive Benefit Plans, Inc. designs retirement plans that achieve optimum benefit levels for executives and owners of smaller companies.
www.benefitplans.com/Retirement_Plans/rp_glossary.asp
BenefitPlans.com

Frequently Asked Questions about Cash Balance Defined Benefit Pension Plans. What is a cash balance plan? There are two general types of pension ...
www.benefitplans.com/Retirement_Plans/rp_cash_balance.asp
THE COST OF WAITING

How will you afford to do things that you will want to do when. you retire? That’s the million-dollar question! ...
www.benefitplans.com/Downloads/Saving_Down_The_Road-The_Cost_Of_Waiting.pdf
Benefit Plans, Inc.

EXECUTIVE. Benefit Plans, Inc. WHITE PAPER. PEO MULTIPLE. EMPLOYER PLANS. REVENUE PROCEDURE 2002-21. © Executive Benefit Plans, Inc. 2002 ...
www.benefitplans.com/Downloads/MEP_Report.pdf
Is Your Retirement Plan Designed to Fail or did you Fail to Design?

Is Your Retirement Plan Designed to Fail or did you Fail to Design? In many cases through the years, I've concluded many qualified retirement plans are ...
www.benefitplans.com/Downloads/Plan_Designed_to_Fail.pdf
EBP Sample 401k

Asset Class - Small Company Equity; Transamerica Small Company Fund · TI Franklin Small Cap Growth Fund: Asset Class - International Equity ...
www.benefitplans.com/sample/invest_options.htm
BenefitPlans.com-Request A Proposal

Executive Benefit Plans, Inc. designs retirement plans that achieve optimum benefit levels for executives and owners of smaller companies.
www.benefitplans.com/Quotes/rfp_overview.asp
BenefitPlans.com

Qualified Retirement Plan Quote. Please complete the form below and 'Click' SEND for your E-Quote request. Please allow 24 hours for processing. ...
www.benefitplans.com/Quotes/quote_rp.htm
BenefitPlans.com

What Happens When Our ACP and ADP Test Fails. Matching contributions and after- tax employee contributions must be tested under the Actual Contribution ...
www.benefitplans.com/Tests/tests.asp
BenefitPlans.com

Top Ten Blunders Plan Sponsors Make With Their 401(k) Plans. 1. Underestimating the benefit of a company sponsored retirement plan. ...
www.benefitplans.com/Retirement_Plans/rp_blunders.asp
BenefitPlans.com

Employee Benefits Overview. In order to remain competitive, as well as attract and retain top employees, employers are faced with the task of creating a ...
www.benefitplans.com/Employee_Benefits/eb_overview.asp
BenefitPlans.com - Contact Us!

Executive Benefit Plans, Inc. designs retirement plans that achieve optimum benefit levels for executives and owners of smaller companies.
www.benefitplans.com/Contact_Us/contact.htm
HOT 401(k)

What’s A HOT 401(k)? If you own a small business, pay taxes, and you are sponsoring a 401(k) plan you need to look at the new. HOT 401(k)! ...
www.benefitplans.com/Downloads/hot_401.pdf
Think You're Business Can't Offer A 401(k) Plan

Think Your Business Can't Offer A 401(k) Plan. . . Think Again! Many small businesses are under the misconception that they cannot ...
www.benefitplans.com/Downloads/Think_You_re_Business_Can_t_Offer_A_401(k).pdf
BenefitPlans.com-Retirement Savings Forecaster

Executive Benefit Plans, Inc. designs retirement plans that achieve optimum benefit levels for executives and owners of smaller companies.
www.benefitplans.com/Retirement_Plans/calculator1.asp
EBP Downloads

PEO MULTIPLE EMPLOYER PLANS - AN INDEPTH FOCUS OF REVENUE PROCEDURE 2002-21 © 2002. This white paper is a compilation of acquired material and the experience ...
www.benefitplans.com/White_Papers/peo_meps.asp
EBP 401k

Options abound for re-investing profits-sharing plans, pensions. Are you thinking about changing jobs or retiring? If you expect to receive a distribution ...
www.benefitplans.com/faqs/Tips_ManyOptions.htm

Section 105 – Medical Reimbursement Plan for Employers

Section 105 – Medical Reimbursement Plan for Employers. What is a Medical Reimbursement Plan? (MERP). A medical reimbursement plan (MERP) is any plan or ...
www.benefitplans.com/Downloads/Section_105_Overview.pdf

BenefitPlans.com | Pension 401k Plans | Retirement | Consulting ...

Selecting an appropriate and affordable retirement plan is essential to attract and retain talented employees. A retirement plan should be designed. . .
www.benefitplans.com/Retirement_Plans/rp_conslt_srvcs.asp
EBP Plan Types

EBP Retirement Plan Design. In the employer-employee relationship, nothing says "I love you" more than compensation. A pat on the back or some token of ...
www.benefitplans.com/Retirement_Plans/rp_overview.asp
Cash Balance Add On

Add-on Cash Balance Plans –. Perhaps the Best Kept Secret in. the Pension Industry. What To Do When You Need More Than a 401(k) Profit Sharing Plan ...
www.benefitplans.com/Downloads/Cash_Balance_add-on.pdf
BenefitPlans.com

Privacy Policy Statement. Disclaimer The information contained in this website is not intended to be an offer to sell or a solicitation in connection with ...
www.benefitplans.com/Legal/privacy_stmnt.asp
Executive

In the employer-employee relationship, nothing shows an employer’s appreciation more than. compensation. A pat on the back or some token of appreciation are ...
www.benefitplans.com/Downloads/brochure_ebp.pdf
Take Advantage of your 401(k)

401(k) - A Great Way To Save! If you are not participating in your company 401(k ) you really should ask. yourself why. You say you can't afford to ...
www.benefitplans.com/Downloads/Take_Advantage_of_your_401k.pdf
BenefitPlans.com

Strategies. There are many strategies to consider when establishing a retirement plan. One should consider saving strategies, funding strategies and plan ...
www.benefitplans.com/Strategies/strategies_overview.asp
Small employers may want to upgrade or adopt a new qualified ...

New Concepts Permit Employers to Enhance Retirement Plans. Small employers may want to upgrade or adopt a new qualified retirement plan in 1999. Few ...
www.benefitplans.com/Downloads/Small_Employers_New_Comparability.pdf
Executive Benefit Plans, Inc. and Agatston Actuarial Services ...

Executive Benefit Plans, Inc. and Agatston Actuarial Services. Continuing Education Seminar. On The. Advanced Concepts of Roth 401(k)s & Cash Balance Plans ...
www.benefitplans.com/Downloads/20070919Seminar%20Invitation_revised.pdf
BenefitPlans.com | Qualified Retirement Plans | Defined Benefit

A defined benefit plan may be an option to consider when reviewing retirement plans. Why? Among the reasons are. . .
www.benefitplans.com/Retirement_Plans/rp_defined_benefit.asp
Page 1 of 2 A SUMMARY OF PEO REVENUE PROCEDURE 2003-86

Page 1 of 2. A SUMMARY OF PEO REVENUE PROCEDURE 2003-86. As part of the Transamerica Center for Retirement Studies’ on-going efforts to educate the small ...
www.benefitplans.com/Downloads/PEO_Rev_Proc_2003-86.pdf
EBP Sample 401k

Glossary of Terms. 401(k) - Refers to the specific section of the Internal Revenue Code that permits employees to contribute a portion of their compensation ...
www.benefitplans.com/sample/Glossary.htm
BenefitPlans.com | Qualified Retirement Plans | Katrina Relief

President Bush has signed into law a series of tax breaks for Katrina victims including the loosening of rules for distributions and loans from workplace ...
www.benefitplans.com/Retirement_Plans/Katrina_relief.asp
IRS Publication 3998 (7-2002)

CHOOSING. A RETIREMENT SOLUTION. for Your Small Business. IRS Publication 3998 ( 6-2002). IRS Catalog Number 34066S. Page 2. This pamphlet constitutes a ...
www.benefitplans.com/Downloads/IRS_Guide_RtrmntPlansForSmBiz.pdf
WHITE PAPER

WHITE PAPER. Human Resources Outsourcing. Legislation and Legal Issues on Staff Leasing and Professional Employer. Organizations ...
www.benefitplans.com/Downloads/PEO_WHITE_PAPER_NY.pdf
Is There A Retirement Crisis For Baby Boomers

Is There An Impending Retirement Crisis? For many years there has been general consensus that baby boomers will be worse ...
www.benefitplans.com/Downloads/Retirement_Crisis_For_Baby_Boomers.pdf
BenefitPlans.com

Individual Benefits Overview. Individual benefits are available through our specialty markets division. Often you find individual benefits simply emulate ...
www.benefitplans.com/Employee_Benefits/ind_overview.asp
Participant Data

Plan Design And Administration. Executive Benefit Plans, Inc. helps employers from all across the country establish and maintain retirement programs. ...
www.benefitplans.com/Account_Data/ad_overview.asp
Pennsylvania Insurance Code Chapter 146c and the Gramm-Leach ...

The Pennsylvania Department of Insurance. and the. Gramm-Leach-Bliley Act. Verification and Service Notice. Please be advised that Executive Benefit Plans, ...
www.benefitplans.com/Downloads/Notice_Chapter_146c_and_GLBA.pdf
BenefitPlans.com

Benefit News & Issues. Pursuing cost savings in dental benefits - Two emerging cost-saving initiatives in dental benefits are vying for the attention of ...
www.benefitplans.com/News/benefit_news.asp
BenefitPlans.com | Strategies | Plan Design | Owner's Choice

Situation: Owner wants to give different amounts of contribution for different parts of the employee workforce.
www.benefitplans.com/Strategies/Design/owners_choice.asp
EBP Plan Types

HRAs - Health Reimbursement Arrangements. When it comes to managing health care, consumers have had little control until now. ...
www.benefitplans.com/Employee_Benefits/HRAs/hra_overview.asp
BenefitPlans.com | Strategies | Allocation Methods | Integrated

You may elect to integrate the plan’s allocation formula based upon the social security taxable wage base.
www.benefitplans.com/Strategies/Funding/integrated.asp
BenefitPlans.com | Strategies | Plan Design | Volume Submitter

A Volume Submitter document offers employers a wide variety of plan provisions allowed by law using language which has been reviewed by the IRS with ...
www.benefitplans.com/Strategies/Design/doc_vol_submitter.asp
BenefitPlans.com | Strategies | Allocation Methods | Funding Overview

New comparability, age-weighted, and age-neutral are newer methods for allocating employer contributions.
www.benefitplans.com/Strategies/Funding/funding_overview.asp
BenefitPlans.com

BUILDING AN INHERITANCE. Situation: Parents (Owners) age 60, with children in late 30's who will take over business in next 5 to 10 years. ...
www.benefitplans.com/Strategies/Design/build_inheritance.asp
EBP Plan Types

... Strategies · Employee Benefits · Individual Benefits · White Papers · Proposal Request · Benefit News · Administration. Retirement Plan Links ...
www.benefitplans.com/Retirement_Plans/Qualified_Plans/dc_overview.asp
BenefitPlans.com | Strategies | Max Out Plan Design

Situation: Husband & wife with a 30 year old child - very successful putting $60 k in plan wants to shelter as much as possible.
www.benefitplans.com/Strategies/Design/max_out.asp
BenefitPlans.com | Strategies | Allocation Methods | Safe Harbor

A new trend in 401(k) planning is the adoption of a 'safe harbor' structure which allows the plan to avoid having to do ADP testing.
www.benefitplans.com/Strategies/Funding/safe_harbor.asp
BenefitPlans.com

Offer A Unique Approach. Health savings accounts (HSAs) have emerged to give individuals and employees more choice and control over their health care. ...
www.benefitplans.com/Employee_Benefits/HSAs/HSA_medical.asp
BenefitPlans.com

Offers Peace & Security. The Individual Health Department at EBP offers a wide variety of products for self-employed people or those who find themselves ...
www.benefitplans.com/Employee_Benefits/Health/indv_medical.asp
BenefitPlans.com

FORTY SOMETHING. Situation: Key people are in their forties with many employees of all ages (25 to 60). Assume example of age 47 owner with 20 employees. ...
www.benefitplans.com/Strategies/Design/forty_something.asp
BenefitPlans.com

Plan Amendments for 2006. October 27, 2006. Plan Amendments for the 2006 Plan Year The following is a summary (to date) of the plan amendments for plan year ...
www.benefitplans.com/Retirement_Plans/Qualified_Plans/2006_amendments.asp
BenefitPlans.com | Strategies | Plan Design | Document Type

Prototype | Volume Submitter | Individual Design -- any of these plan documents may be adopted and implemented pursuant to achieve the desired affect.
www.benefitplans.com/Strategies/Design/doc_types.asp
BenefitPlans.com | Strategies | Plan Design | Multiple Employer Plans

Main Link Column. Select this link Retirement Plans; Select this link Strategies ; Select this link Employee Benefits; Select this link ...
www.benefitplans.com/Strategies/Design/mep.asp
EBP Plan Types

Medical Reimbursement - Section 105: Detailed Information. Section 105 of the Internal Revenue Code provides a way to save taxes, for both employer and ...
www.benefitplans.com/Employee_Benefits/Sec_105/Sec_105_details.asp
EBP Plan Types

... Strategies · Employee Benefits · Individual Benefits · White Papers · Proposal Request · Benefit News · Administration. Employee Benefit Links ...
www.benefitplans.com/Employee_Benefits/Association_Plans/ap_overview.asp
BenefitPlans.com | New EGTRRA Administrative Rules

Executive Benefit Plans, Inc. designs retirement plans that achieve optimum benefit levels for executives and owners of smaller companies.
www.benefitplans.com/Retirement_Plans/egtrra_Q&A.asp
BenefitPlans.com | Strategies | Plan Funding | Age Neutral

Executive Benefit Plans, Inc. specializes in funding strategies for retirement plans to achieve optimum benefit levels for smaller companies.
www.benefitplans.com/Strategies/Funding/age_neutral.asp
BenefitPlans.com | Strategies | Plan Design | Single 401k

Situation: Individual business owner desires a retirement plan that permits up to $40000 contributions annually.
www.benefitplans.com/Strategies/Design/single.asp
EBP Plan Types

... Strategies · Employee Benefits · Individual Benefits · White Papers · Proposal Request · Benefit News · Administration. Employee Benefit Links ...
www.benefitplans.com/Employee_Benefits/Disability/di_overview.asp
BenefitPlans.com

Design Strategies. Proper plan design plays a fundamental role in the success or failure of your retirement plan. Please view the links on the right to ...
www.benefitplans.com/Strategies/Design/design_overview.asp
BenefitPlans.com

Employer Group Plans Creates Employment Security. The group department at EBP takes great pride in our ability to facilitate employee benefit needs. ...
www.benefitplans.com/Employee_Benefits/Health/group_health.asp
EBP Plan Types

Medical Reimbursement - Section 105; The "Benefits" of Section 105 Plans. Instructions For Counsel. Medical Reimbursement Plans in General ...
www.benefitplans.com/Employee_Benefits/Sec_105/Sec_105_intructions.asp
BenefitPlans.com | Strategies | Allocation Methods | SIMPLE 401k

A SIMPLE 401(k) Plan is similar to SIMPLE IRA plan, but offers more flexibility and options.
www.benefitplans.com/Strategies/Funding/simple.asp
BenefitPlans.com

ONE STOP SHOPPING. Situation: Company wants a 401(k) plan for long service employees that favor key people. This could either be the company's first plan or ...
www.benefitplans.com/Strategies/Design/one_stop.asp
BenefitPlans.com

... Strategies · Employee Benefits · Individual Benefits · White Papers · Proposal Request · Benefit News · Administration. ERISA 5500 Calendar ...
www.benefitplans.com/Retirement_Plans/Qualified_Plans/5500_filing_dates.asp
BenefitPlans.com | Strategies | Plan Design | Individually Drafted

Individually drafted plans are for employers that want to take advantage of provisions allowed by law, but not offered by a prototype plan.
www.benefitplans.com/Strategies/Design/doc_ind_drafted.asp
BenefitPlans.com | Strategies | Plan Design | Flexible Defined Benefit

Situation: Company likes the benefits provided by its defined benefit plan but feels the annual contribution commitment to be too restrictive.
www.benefitplans.com/Strategies/Design/flex_db.asp
BenefitPlans.com

Individual Dental Insurance. It is very difficult to find a good Individual Dental Insurance program. Traditionally dental insurance has only been only ...
www.benefitplans.com/Employee_Benefits/Dental/ind_dent.asp
BenefitPlans.com

Group Dental. Most of our Group Dental Plans are 'Guaranteed Issue' - often with no Industry Limitations. Plans offer: ...
www.benefitplans.com/Employee_Benefits/Dental/group_dent.asp
BenefitPlans.com

NEVER TOO LATE. Situation: Older (age 55-75) self-employed individual receiving pension from former company and doing consulting wants to defer income until ...
www.benefitplans.com/Strategies/Design/never_too_late.asp
BenefitPlans.com | Strategies | Plan Design | Prototype

Prototype plans are pre-approved plans by the Internal Revenue Service under the Master and Prototype program.
www.benefitplans.com/Strategies/Design/doc_prototype.asp
BenefitPlans.com | Strategies | Mid-Course Correction

Situation: Growing business with 10% money purchase and 15% profit sharing plans .
www.benefitplans.com/Strategies/Design/mid_course.asp

EBP Plan Types

Group Term Life. Group life insurance is very similar to individual life insurance. The primary difference is there is usually less choice in the types of ...
www.benefitplans.com/Employee_Benefits/Life/term_life_overview.asp
EBP Plan Types

Long Term Care Insurance. Long-term care is the assistance provided when a person is unable to provide for himself or herself as the result of disability or ...
www.benefitplans.com/Employee_Benefits/LTC/ltc_overview.asp
BenefitPlans.com | Strategies | Plan Design | Dual

Situation: Desire to make large deductible contributions but still be able to make little or no contribution in a slow year.
www.benefitplans.com/Strategies/Design/dual.asp
EBP Plan Types

PLAN FEES. . . Generally Speaking. Retirement plan fees can be all across the board. Small business 401k plans have taken an especially hard hit over the ...
www.benefitplans.com/Retirement_Plans/Pricing/pricing_overview.asp
BenefitPlans.com | Strategies | Allocation Methods | Funding Chart

This chart illustrates permitted funding methodologies that may provide employers the ability to favor certain employees.
www.benefitplans.com/Strategies/Funding/funding_allocation_chart.asp
BenefitPlans.com

Equal Partners. Situation: The Three Partners in a business are ages 63, 58 and 53 but the 58 year old wants $70000 contributed to a qualified plan while ...
www.benefitplans.com/Strategies/Design/equal_partners.asp
BenefitPlans.com | Strategies | Allocation Methods | Traditional

Traditional 401k plans may be structured either with or without a “matching” employer contribution feature.
www.benefitplans.com/Strategies/Funding/traditional.asp
EBP Plan Types

The Section 529 Plan. A 529 plan is a higher education savings program that provides federal tax-free benefits. The program allows individuals to save for ...
www.benefitplans.com/Employee_Benefits/Sec_529/529_overview.asp
BenefitPlans.com | Strategies | Allocation Methods | Age Weighted

An age-weighted allocation formula that takes into account the participants’ respective ages and service when allocating contributions.
www.benefitplans.com/Strategies/Funding/age_weighted.asp
BenefitPlans.com

Retirement Plan Documents Must Be Restated for EGTR. Economic Growth and Tax Relief Reconciliation Act. The IRS will now review restated plan documents ...
www.benefitplans.com/Retirement_Plans/Qualified_Plans/DC_Plans/ETGR_restate_proc.asp
BenefitPlans.com

Maximum Pension Benefit and Contributions Limits for 2004-2008. As published by the Internal Revenue Service October 17, 2007. ...
www.benefitplans.com/Retirement_Plans/Qualified_Plans/DC_Plans/limits_2004-2008.asp
Maximum Pension Benefit and Contributions Limits for 2002

Maximum Pension Benefit and Contributions Limits for 2003-2007. As published by the Internal Revenue Service November 2006. ...
www.benefitplans.com/Retirement_Plans/Qualified_Plans/DC_Plans/limits_2003-2007_PF.asp
BenefitPlans.com

SEP - Simplified Employee Pension Plan. A SEP is a Simplified Employee Pension plan. Because this is a simplified plan, the administrative costs should be ...
www.benefitplans.com/Retirement_Plans/Non_Qualified/SEP/sep.asp
EBP Plan Types

SIMPLE IRA Plan. A SIMPLE IRA plan - Savings Incentive Match Plan for Employees of Small Employers - is an IRA-based plan that allows employees to elect to ...
www.benefitplans.com/Retirement_Plans/Non_Qualified/SIMPLE_IRA/simple_ira.asp
EBP Plan Types

IRA Overview. In order to save you time and money we present the 11 types of IRA's currently available:. An Individual Retirement Account is either a ...
www.benefitplans.com/Retirement_Plans/Non_Qualified/IRAs/ira_overview.asp
Maximum Pension Benefit and Contributions Limits for 2002

Maximum Pension Benefit and Contributions Limits for 2004-2008. As published by the Internal Revenue Service October 17, 2007. ...
www.benefitplans.com/Retirement_Plans/Qualified_Plans/DC_Plans/limits_2004-2008_PF.asp
BenefitPlans.com Plan Types

Main Link Column. Retirement Plans · Strategies · Employee Benefits · Individual Benefits · White Papers · Proposal Request · Administration · Contact ...
www.benefitplans.com/Retirement_Plans/Non_Qualified/simple_ira/sarsep_vs_simple.asp
BenefitPlans.com

Profit Sharing Plans. Employers contribute on behalf of eligible employees. The amount is discretionary from year to year, and can be as high as 25% of ...
www.benefitplans.com/Retirement_Plans/Qualified_Plans/DC_Plans/Profit_Sharing/ps_plan.asp
BenefitPlans.com | Plan Types

Main Link Column. Select this link Retirement Plans; Select this link Strategies ; Select this link Employee Benefits; Select this link ...
www.benefitplans.com/Retirement_Plans/Qualified_Plans/DC_Plans/Money_Purchase/mp_plan.asp
BenefitPlans.com Plan Types

Main Link Column. Select this link Retirement Plans; Select this link Strategies ; Select this link Employee Benefits; Select this link ...
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BenefitPlans.com Plan Types

SIMPLE IRA. SIMPLE 401(k) PLAN. Eligible employers. 100-employee rule (Section V , Part A). Same. Document. Form 5305-SIMPLE or Form 5304-SIMPLE, ...
www.benefitplans.com/Retirement_Plans/Non_Qualified/SIMPLE_IRA/simple_vs._simple_chart.asp
BenefitPlans.com Plan Types

Main Link Column. Select this link Retirement Plans; Select this link Strategies ; Select this link Employee Benefits; Select this link ...
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EBP Plan Types

Traditional IRA. A traditional IRA is a personal savings plan that gives you tax advantages for setting aside money for retirement. ...
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BenefitPlans.com-Defined Benefit Plans

Executive Benefit Plans, Inc. designs retirement plans that achieve optimum benefit levels for executives and owners of smaller companies.
www.benefitplans.com/Retirement_Plans/Qualified_Plans/DB_Plans/Small_Company/sc_overview.asp
SIMPLE

TRADITIONAL k. Eligible Employer. 100 employees or less / $5000 or more compensation. 100 employees or less / $5000 or more compensation. Any employer ...
www.benefitplans.com/Retirement_Plans/Qualified_Plans/DC_Plans/401k/k_chart.asp
EBP Plan Types

Requirements. SIMPLE IRA PLAN. SAR-SEP. Eligible employers. 100-employee rule must be satisfied. No more than 25 eligible employees. Document ...
www.benefitplans.com/Retirement_Plans/Non_Qualified/SIMPLE_IRA/simple_vs._sarsep_chart.asp
EBP Plan Types

SIMPLE 401(k) vs. Traditional 401(k). What is a SIMPLE 401(k) plan? In 1997, the SIMPLE 401(k) was established so that small businesses could have an ...
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BenefitPlans.com

Why You Should Sponsor A Qualified Retirement Plan. Created with the best plan design and ERISA expertise, our service can help Plan Sponsors attract, ...
www.benefitplans.com/Retirement_Plans/Qualified_Plans/DC_Plans/401k/why-401k.asp

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