Areas of Practice
401(k) & Profit Sharing Document Packages
We prepare pre-approved plan documents and adoption agreements with the exact options you need—eligibility, entry dates, vesting, Roth, safe harbor (basic/enhanced), automatic enrollment, long-term part-time eligibility, loans, and hardship. Deliverables include a signature-ready packet (plan document + adoption agreement), SPD/SPD wrap, board resolution, and a clean document index.
Cash Balance / Defined Benefit Documents
Adoption agreements and plan documents for stand-alone CB or integrated CB + 401(k) designs. We draft interest-crediting provisions (fixed or Treasury-linked), add a Funding & Investment Policy attachment if requested, and coordinate ERISA Title I language and PBGC coverage notes where applicable. Delivered sign-ready with a summary of key parameters.
SECURE & SECURE 2.0 Amendments
Required and discretionary amendments (e.g., long-term part-time, Roth catch-up, student-loan match, auto-enroll provisions, RMD/hardship updates). We align provisions with your recordkeeper settings and deliver a short “what changed” summary for sponsors and payroll.
Required Restatements (Pre-Approved Cycles)
Full restatements with organized signature packets, updated SPD/SMM, board resolution, and a “compare & highlight” table so sponsors can see what changed. We keep naming conventions and dates standardized for audit readiness.
Combo Plans (CB + 401(k)) Coordination
We draft coordinated language so testing passes cleanly—gateway/cross-testing, top-heavy, compensation definitions, and safe-harbor alignment. You’ll receive a short testing note for the TPA and recordkeeper so operations match the document on day one
Plan Mergers, Spin-offs & Terminations
Document sets for mergers and spin-offs, plus termination packages (resolutions, notices, distribution forms). We include a checklist for final administration items and, if needed, an IRS determination letter roadmap.
Corrective Amendments & Document Clean-Up (EPCRS)
If the written plan and operations drifted apart or a required amendment was missed, we prepare corrective amendments consistent with EPCRS, review anti-cutback issues, and align SPD/summary materials. You’ll also get a tidy document index with last action dates.
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Educational content—Plan Documents, Inc. does not provide tax or legal advice. Sponsors should consult legal counsel and tax advisors.