How We Serve You
Retirement Services
We build creative, custom retirement solutions designed around your objectives and your financial future.
Your Accredited Experts
Your CRS team designs creative retirement solutions around your business’s specific needs and goals.
Our consultants are here to answer questions and respond quickly to your needs. We stay current with the constantly changing IRS and DOL rules that govern qualified, tax-sheltered retirement plans. Whether it’s plan design, document services, compliance, administration, government filings, or correction programs, our team guides you at every step.
Our Planning Services
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Pre-tax employee contributions with optional employer match and profit sharing; highly compensated deferrals subject to nondiscrimination testing.
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Sidesteps deferral testing limits on highly compensated employees through a required safe harbor nonelective or matching contribution that is fully vested.
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After-tax contributions with tax-free qualified distributions, offered alongside the traditional pre-tax option.
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A streamlined 401(k) that reduces testing in exchange for set contribution and timing requirements.
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Discretionary employer contributions, available as traditional, new comparability (cross-tested), integrated, and age-weighted designs.
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Defined benefit plans with hypothetical account balances, certified through annual actuarial valuations.
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Fixed annual employer contributions set by a plan formula.
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A single plan that lets unrelated employers share the cost of administering a 401(k).
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Tax-sheltered plans for employees of 501(c)(3) nonprofit organizations.
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Plans that direct prevailing-wage fringe contributions on federal and state contracts into a qualified plan.
Our Retirement Plan Services
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Custom plan design and benefit analysis, provided at no cost, illustrating how a plan benefits your employees and your company.
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Prototype, Non-Standardized, and Volume Submitter documents tailored to your objectives.
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Day-to-day administration, recordkeeping, and reporting across all supported plan types.
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Annual nondiscrimination, coverage, and limitation testing, with guidance on corrections when needed.
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Preparation and submission of Form 5500 series and related filings.
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Support with EPCRS, the DOL Delinquent Filer Voluntary Compliance Program (DFVCP), and the Voluntary Fiduciary Correction Program (VFCP).
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3(16) administrative fiduciary services offered in two packages.
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Processing of participant distributions, loans, and required minimum distributions.
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Full compliance support for terminating plans.
A Service-Driven Approach
How we serve you throughout the year:
Our team works alongside you all year to help you minimize tax liability, maximize savings, stay compliant, and meet your goals. Here’s an overview of the retirement plan services we provide.
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Annual Plan Administration: Ongoing
1099-R Distribution to participants: Due 1/31
Plan Design Review: January
Annual Notices: February
Annual Data Request Mgmt: Due 2/15
ADP/ACP Corrective Distribution & Partnership / S-Corp Tax Filing: Due 3/15
Data Cleansing & Validation: March
With Form 1099-R distributions due January 31st, a census data deadline of February 15th, and corrective distribution and partnership/S-corp filing deadlines on March 15th, our team is focused on census file collection and data verification and cleansing early in the year. We complete robust testing protocols that ensure our clients are maximizing their retirement objectives while maintaining a plan compliant with constantly changing regulations.
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Annual Plan Administration: Ongoing
First-Year RMD Distribution: Due 4/1
Corrective Distribution, Excess 402(g): Due 4/15
Data Cleansing & Validation: April - May
Annual Contributions: May - June
In Q2, our team distributes first-year Required Minimum Distributions by April 1st and processes corrective distributions for excess 402(g) deferrals by April 15th, alongside our focus on data accuracy and completeness as we begin the 5500 filing process. With ongoing support for plan participants and reconciliation procedures with recordkeepers underlying the data needed for 5500 production, we're also leveraging insight to help you plan for future tax planning.
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Annual Plan Administration: Ongoing
File Form 5500, or Form 5558 for Extension: Due 7/31
Annual Contributions: July
Asset Reconciliation: July - August
Annual Testing: August - September
Outstanding Data Due to CRS: Due 9/15
Annual Reporting / Summary Annual Report: Due 9/30
As we prepare for the October 15th 5500 filing deadline, our team manages the July 31st deadline to file Form 5500 or request an extension via Form 5558, the September 15th deadline for any outstanding data, and Summary Annual Reports going out to participants by September 30th. We also use this window to discuss future needs, as identified by our testing and report prep, as we plan for the coming fiscal year.
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Annual Plan Administration: October
Annual Reporting, Extended Form 5500 & Corporate Tax Return: Due 10/15
Safe Harbor & Automatic Enrollment Notices: Due 12/1
Year-End Projections: November - December
ADP/ACP Correction Deadline & RMD Distribution: Due 12/31
With extended Form 5500 filings and corporate tax deadlines due October 15th, our team turns to year-end: Safe Harbor and Automatic Enrollment Notices go out to participants by December 1st, and we run year-end projections through November and December, modeling contribution ranges so clients can plan for taxes before the plan year closes. By December 31st, we confirm any ADP/ACP corrections and safe harbor contributions are complete and Required Minimum Distributions are distributed, and we meet with clients to ensure their plan continues to meet their strategic objectives.
Making Retirement Work for Everyone
Expert advice. Creative design. Nationwide reach.
CRS’s expert expertise, backed by the national resources of Strongpoint Partners, positions our team to take on any challenge for any client. Whether you are a sole proprietor, a professional practice, or an employer of any size, we can design a solution to help you reduce tax liability, grow retirement savings, and attract and retain employees. Every plan we administer is backed by an independent, annual CEFEX audit, one of the most demanding certifications in the retirement plan industry, and one very few third-party administrators hold. Learn more about our Certifications.
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Qualified 401(k) Administrators (QKA)
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Enrolled Retirement Plan Agents (ERPA)
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Qualified Pension Administrators (QPA)
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Accredited Pension Administrators (APA)
Strongpoint Partners By the Numbers
Backed by Strongpoint’s national infrastructure, so no challenge is too complex.
375+ Retirement Consultants
~1K New Plan Designs/Year
32K+ Total Plans Administered
$54B+ Assets Under Management
~9.5 Avg. Years of Client Tenure
35+ Avg. Years of Design Specialist Tenure
375+ Retirement Consultants ~1K New Plan Designs/Year 32K+ Total Plans Administered $54B+ Assets Under Management ~9.5 Avg. Years of Client Tenure 35+ Avg. Years of Design Specialist Tenure