Actuarial/TPA Services

Qualified Retirement/401(k), Profit Sharing, Defined Benefit

Having experience in computing tax savings, regulation compliance, calculating risks, etc., according to probabilities based on statistical records. PPS provides retirement plan and benefits advisory and consulting on qualified and non-qualified retirement plans.  Each plan is customized to accommodate a sole proprietor, partnerships and corporations. Our plan designs include many features that allow our clients to maximize retirement savings while minimizing the amount of taxes they are paying for themselves and their organizations. 

We maintain the compliance of their plans by performing the legal implementation and annual administration to include testing and IRS forms that are required on these plans. Our approach is very different from our competitors in that we offer a hands on, hassle free and integrated approach. This allows our clients to continued running their businesses while we handle all aspects of their plans.

QUALIFIED RETIREMENT/401(k) PLANS

  • Basic 401(k) Plans with or without Match  
  • Safe Harbor 401(k) Plans  
  • ESOPS  
  • Simple 401(k) Plans  
  • Roth 401(k) Plans  
  • Automatic Enrollment Plans

DEFINED BENEFIT PLANS

  • Traditional Plans  
  • Cash Balance Plans  
  • Implementing Life Insurance into Plans 

PROFIT SHARING PLANS

  • New Comparability Plans (Class Allocated)  
  • Combination Profit Sharing Plus 401(k) Option  
  • Plans Integrated with Social Secur

OTHER RETIREMENT SAVING & BENEFIT PROGRAMS

  • 403(b) Plans
  • 457(b) and 457(f) Non-qualified plans for Non-profit Organizations 
  • Simple IRAs
  • ​Simplified Employer Pension Plans (SEP)  
  • Welfare Benefit Plans (Plan Design and Consulting)​

DB/CASH BALANCE DESIGN

CASH BALANCE PLAN DESIGN & CONSULTING

A cash balance plan is a type of defined benefit plan that can be easier understood than the traditional plan of the past.   Each participant has an individual account similar to a 401(k) plan. 

Advantages of Cash Balance Plans

  • Larger Pre Tax Contributions
  • Acceleration of Retirement Savings
  • Combination of a 401(k) Profit Sharing for more flexibility
  • Portable in the event of job change or termination
  • Assets protected from creditors in the event of bankruptcy
  • Greater flexibility than the traditional Defined Benefit Plans


Candidates for Cash Balance Plans

  • Owners\Partners who want to contribute more than $59,000
  • Companies that have demonstrated consistent profits
  • Organizations already maximizing benefits with the 401(k) profit sharing plan
  • Owners\Partners who are over age 45 and want to “catch up” on their retirement savings


Cash Balance Plans, whether alone or in combination with 401(k) profit sharing can offer  larger tax savings.  With the many increases in taxes over the last few years, these combo plans can decrease the taxes you have been paying.  The savings is not dollar for dollar, however it can lower your tax savings in many cases by 43%.  It all depends on the type of organization you have and the demographics of your company . 

These plans have been used by many professional organizations such as law firms or medical practices.  However, any business owner who pays a significant amount of taxes should consider this option.

As Cash Balance consultants , we specialize in designing these type of plans.  This will maximize the benefit to business owners and minimize the contribution to the employees all while complying with all the very complex combined plan limits, deductible limits and non discrimination rules.   


Plan Design Services include a comparison of current plan features with recommended changes in design. We also will secure you with maximum tax savings for owners\partners with any plan design

Defined Benefit\Cash Balance & 401(k) and\or Profit Sharing