Retirement plan services
for employers

For business owners, a personal financial plan can help clarify decisions about succession and estate planning, merger and acquisitions and other business transitions that may be necessary to achieve financial independence or other goals. For executives, financial planning services can offer a road map for wealth building and preservation. For everyone, personal financial plans can draw a complete picture of your current financial situation, contrast it with what you need to achieve your goals, and help you develop strategies to reach those goals. Learn more about our Certified Financial Planner™ service.

Organizations that offer retirement plans are required to undergo several types of compliance testing at least once a year. Our retirement plan recordkeeping delivers not only knowledgeable and responsive service to plan sponsors and participants, but also the convenience of handling compliance testing for our clients as well. By having AGH handle compliance, organizations ensure that critical requirements are taken care of by individuals already familiar with your organization and plan, thus reducing the staff time and resources required from your company. See how your organization can benefit from our compliance testing service.

Increasing Department of Labor emphasis on enforcement has led to more DOL audits for all organizations, which can result in significant penalties for noncompliance. Sponsors of plans of a certain size are required to have their plan audited annually by a CPA firm or risk disqualification of the plan and its tax-exempt status. AGH’s employee benefit plan audit practice is supplemented by the expertise of AGH’s sizable retirement plan recordkeeping practice. If questions related to DOL and ERISA regulations arise, our recordkeeping group is literally “down the hall” from our audit team. Learn more about our employee benefit plan audit service.

An employer who provides high-quality, ongoing and employee-focused retirement plan education can significantly decrease confusion about retirement plans and increase employee participation – saving time and money for the employer (plan sponsor). Our employee education programs are customized for the employer's goals and can be designed around the employer's workforce characteristics. Our educators schedule periodic on-site visits to meet with employees one-on-one or in group settings, based on employee needs. Learn more about the benefits our employee education service can provide for your organization.

In a plan review, AGH employee-benefits consultants analyze plan documents, investment costs and performance to determine the true costs of a retirement plan and its relative performance to industry benchmarks – both for the plan sponsor and the participants. If, after review, the plan's costs, structure or performance are not aligned with the organization's needs and fiduciary responsibility, we can design a retirement plan around meeting those goals. Learn more about our retirement plan benchmarking/plan design service.

Retirement plan recordkeeping requires a customer-oriented staff, a high degree of technological sophistication to deliver rapid and accurate responses to changes in fund elections, and a thorough understanding of ERISA, IRS, Department of Labor and security regulations. Learn more about the benefits our retirement plan recordkeeping service can provide for your organization.

Our retirement plan advisors handle almost all aspects of the Form 5500, from extracting relevant plan data to preparation of a signature-ready document for your review before we submit it through EFAST2. As with compliance testing, having your recordkeeper prepare the Form 5500 ensures that individuals with deep knowledge of your specific plan – and of ERISA, DOL and IRS regulations – are handling the completion, as well as delivering an accurate and timely filing. Learn more about our 5500 filing service.