Retirement Plan Consulting Services

One of the many services we offer

Retirement plans come in all shapes and sizes and no two employers will have the exact set of circumstances or goals for the plan they sponsor.

The Zinner & Co. Retirement Plan Advisory team takes the time to understand your unique situation. We work with other members of your advisory team to help design a plan to meet your specific goals, while ensuring you are maximizing all potential benefits.

If a custom plan document is not desired, our team will help you complete the prototype or volume submitter plan adoption agreement, in order to make sure all of your options are explained concisely and your goals followed.

When working with a new client, we often find an employer's plan document and the employer's understanding are not aligned. This misalignment can cause compliance issues if the plan is not administered correctly.

We provide you with various scenarios so you can understand the opportunities that are before you in designing the perfect plan for your company. Whether it is a sophisticated structure or one of the simplest, we are always your best resource to help guide you through the plan designing process. At Zinner & Co., we have the right retirement plan solutions for your business.

Besides compliance work, we perform research and analysis of matters relating to qualified retirement plans. This includes advising whether or not to establish a plan, what type of plan, and how much to contribute in a given year.

Depending upon the plan size and number of participants, the Department of Labor has requirements that a certified audit be completed on an annual basis and included in the plan's annual tax filing. Our auditors are knowledgeable and efficient in providing services to meet this requirement. 

Zinner & Co. can also provide the following retirement plan consulting services:

  • Plan termination
  • Correction of a failed ADP/ACP test (401k plans only)
  • Consulting services as requested. A partial list of research and consulting matters:
    • Cash or deferred arrangements
    • Short plan years
    • Shared employees 
    • Minimum distributions 
    • Excess distributions
    • Taxation of distributions (averaging versus rollover) 
    • Partial terminations 
    • Prohibited transactions 
    • Affiliated service groups 
    • Minimum coverage and participation rules 
    • Top-heavy plan issues 
    • Permitted disparity 
    • Leased employees 
    • Age-weighted profit sharing plans 
    • Form 1099R and Form 945 compliance 
    • Plan spin-offs and mergers 
    • Internal Revenue Service Examination


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