What We Do

A 401(k) or defined contribution plan is one of the most effective ways to help your employees save for retirement while strengthening your company’s benefits package. Offering a well-structured plan not only attracts and retains top talent but also provides important tax advantages for both the business and its employees.

How We Help:

• Plan Design: We tailor contribution formulas, matching options, and vesting schedules to meet your goals.
• Consulting: We use our 50 years of combined experience dealing with ERISA laws, issues and questions to help you implement best practices for your retirement plan.
• Administration & Testing: We handle compliance testing, nondiscrimination rules, and required filings.

With Pacific Retirement Plan Services, you get a partner who makes 401(k) management simple, transparent, and compliant — so your employees can focus on saving while you focus on running your business.

Taking the Complexity Out of Compliance
Running a retirement plan means meeting strict regulatory requirements from the IRS, DOL, and ERISA. For many businesses, staying compliant can be overwhelming — and costly if mistakes occur. Our team ensures your plan runs smoothly, accurately, and within all federal guidelines.

Our Administration & Compliance Services Include:

• Annual nondiscrimination and coverage testing
• Preparation of Form 5500 and required filings
• Plan document updates and amendments
• Loan and distribution processing
• Audit support and fiduciary oversight

We proactively monitor deadlines and regulatory changes, ensuring your business stays ahead of compliance requirements. With us as your partner, you’ll have peace of mind knowing your plan is being managed with precision and care.

A Smart Solution for Owners & Key Employees
Cash balance and defined benefit plans are powerful tools for business owners, professional groups, and executives who want to save more for retirement than traditional 401(k) limits allow. These plans provide larger tax deductions, predictable retirement benefits, and an excellent way to reward yourself and key employees.

What We Provide:

• Custom Plan Design: Tailored contribution formulas to maximize tax advantages.
• Actuarial Services: Ongoing calculations to ensure the plan is properly funded.
• Compliance Management: Filing, testing, and regulatory support to keep your plan in good standing.
• Integration with 401(k) Plans: For businesses offering both, we coordinate strategies to maximize efficiency.

Cash balance and defined benefit plans can be complex, but they don’t have to be confusing. We simplify the process, handle the technical details, and make sure you get the most from your retirement plan strategy.