DOCUMENT SERVICES

One size does not fit all when it comes to the design of a retirement plan. Our use of Prototype and Volume Submitter Documents allow our plan design consultants to customize a retirement plan tailored to you and your company’s objectives. A well designed retirement plan not only gives employees a way to build a financially secure future, it also is a valuable tool for the employer to attain and retain quality employees. Whether creating a new plan or redesigning your existing one, we will review and analyze your company’s needs and budget to develop a retirement plan that is a perfect fit.

Prototype and Volume Submitter Documents

Prototype Document – The documents are pre-approved by the Internal Revenue Service under the Master and Prototype program. A Master and Prototype consists of a basic plan document and an adoption agreement. The basic plan document contains the language for all the non-elective provisions. The adoption agreement contains the options which may be selected by elective provisions and options which may be selected by the adopting employer. A Master/Prototype can be standardized or non-standardized.

Standardized Document – Download our Standardized Document »
This document is designed to satisfy the IRS minimum coverage requirements. It provides limited choices, but these documents are pre-approved by the IRS, thus reducing the cost of plan implementation.

Non-Standardized Document - Download our Non-Standardized Document »
This type of document provides a bit more flexibility than a Standardized Document. While it allows more options in plan design, it is still a very affordable document choice.

Volume Submitter Document - Download our Volume Submitter Document Checklist »
A Volume Submitter Plan Document is very similar to an individually designed plan. There is no separate adoption agreement as with a master/prototype. All the provisions are actually written into the document. If your plan requires even more flexibility, we also have the ability to use an “Enhanced” Volume Submitter Document for an additional price.