ANNUAL COMPLIANCE SERVICES

Retirement plans require ongoing administrative oversight and annual compliance testing to meet federal laws and regulations.   Many of the compliance tests that we perform on the plan annually are:

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• Maximum deductible employer contribution determined under IRC 404(a)

• Top Heavy test calculated under IRC 416

• Coverage testing in accordance with IRC 410(b)

• Non Discrimination testing to ensure compliance under IRC 401(a)(4)

• 401(k) and 401(m) Discrimination testing, as applicable for 401(k) plans

In addition, we monitor the following individual participant limits:

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• Annual Contribution Limit determined in compliance with IRC 415

• Annual Deferral Limit monitored in accordance with IRC 402(g)

• Catch-Up Contributions limited under IRC 414(v)

• Annual Compensation Limit capped under IRC 401(a)(17)