Plan Administration

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		Osborne & Nelson, Inc.


	Specializing in Qualified Retirement Plans

Plan Administration

Once your benefit plan is in place, Osborne & Nelson, Inc. provides comprehensive administration to make certain the plan continues to operate as designed for your business. We will:

	Determine the eligibility of all employees.
	Provide enrollment, beneficiary, investment and deferral election forms.
	Prepare summary financial statements for your plan.
	Allocate any declared contributions and forfeitures.
	Provide a valuation report summarizing various account types and investment funds by participant and plan totals.
	Provide participant statements including all accrued contributions.
	Determine "key" and "highly compensated" employee status.
	Provide discrimination testing (ADP/ACP for 401(k) plans) at least annually or as often as requested.
	Determine refund amounts if failing ADP/ACP tests.
	Provide top heavy testing.
	Provide minimum coverage testing.
	Provide average benefits and general testing under 401(a)(4) if needed.
	Determine deductible contribution limits.
	Determine maximum contribution limits under 415 and 402(g) (annual deferral limit).
	Provide investment allocation between participant-directed funds (if not provided by custodian of funds).
	Provide IRS Form 5500 and related schedules.
	Provide Summary Annual Reports for participants.
	Prepare notices and election forms for terminated participants (also IRS Forms 1099-R and 945 if not prepared by custodian of funds).
	Prepare any notices and forms for hardship withdrawals or participant loans.
	Assist with all Qualified Domestic Relations Order (QDRO) processing.

Other Services:

	Plan design.
	Plan installation - including all documents, summary plan descriptions and filing with IRS.
	Employee meetings.
	Ongoing consultations.
	Plan termination.
	IRS and DOL plan audits.

3012 McHenry Ave., Suite E Modesto, CA 95350

Financial independence during retirement is a goal that many of us desire but rarely plan for adequately.

How do you see your retirement? Traveling? Golfing? Sleeping in? Perhaps you want to put your energy to use for your favorite charity or simply spend more time with your family.

In retirement, how you choose to spend your time is now up to you. It’s also up to you to make sure your retirement income lasts as long as you do. The reality is, your retirement can last almost twice as long as your childhood. Imagine that!