Retirement Plans for Small Business

Antique Stores in Montclair - Jerry's Antiques and Estate Sales Retirement Plans for Small Business in Overland Park - Heartland Consulting Group, Inc. Plan Valuation and Allocations Reconciliation of Plan Assets to Payroll Financial Statements on Accrual Basis Eligibility Calculations Cash and Share Accounting Participant Updates and Allocations Loan Administration Qualified Domestic Relations Order (QDRO) Processing Vesting Calculations Allocation Summary Reports Distribution Packages Individual Participant Statements Plan Conversions Compliance Testing Contribution Deductibility Top-Heavy Testing Coverage Testing Average Benefits Testing General Nondiscrimination Testing Compensation Ratio Testing 401(k) Nondiscrimination Testing Annual Additions Limitations Testing Calculations and Projections Employer Contribution Analysis Retirement Benefits Projections Required Minimum Distribution Calculations Projected Entry Date Reporting All services provided by Heartland Consulting Group can be retained on a recurring or single occasion basis for companies with special needs.

Evaluating Cash Balance Plans for Employees Approaching Retirement Frequently Asked Questions Who pays plan-related expenses? In the past, employers paid the majority of expenses related to retirement plans. What is the deadline for depositing a participant’s salary deferrals into a retirement plan? According to regulations released by the Department of Labor (DOL) for small plans (those with fewer than 100 participants at the beginning of the plan year), contributions and loan repayments must be deposited with the plan no later than the seventh business day following the date of receipt or withholding by the employer. In recent years, compliance with the deposit deadline has been a significant audit item for the DOL. By what date are we required to deposit our profit sharing and matching contributions? All company contributions must be paid into the trust by the date your company’s tax return is due to the IRS. What is a fidelity bond, and how much coverage is required? Our company is contemplating the acquisition of another entity. What is an ERPA?

401k Plan Administrator - Heartland Consulting Group, Inc. Printer Friendly Version Table of Contents Introduction More and more employees are investing in their futures through 401(k) plans. Employees who participate in 401(k) plans assume responsibility for their retirement income by contributing part of their salary and, in many instances, by directing their own investments. If you are among those who direct your investments, you will need to consider the investment objectives, the risk and return characteristics, and the performance over time of each investment option offered by your plan in order to make sound investment decisions. The information contained in this booklet answers some common questions about the fees and expenses that may be paid by your 401(k) plan. Make informed investment decisions;Consider fees as one of several factors in your decision making;Compare all services received with the total cost; andRealize that cheaper is not necessarily better. Why Consider Fees? What are 401(k) Plan Fees and Who Pays for Them?

Comparison between plantation shutters and other window treatments When you are looking for window treatments to redecorate your home, there are four major options for you to choose from: blinds, shutters, shades and curtains. Though they all have their unique features and it is definitely based on your personal choice, Lifestyle plantation shutters offer a larger number of benefits than the others. They look stylish and are best solution for those who are looking for a window covering that is both functional and aesthetic. Here are the reasons why most people select plantation shutter over the others, Curtains Based on the material you have chosen, curtains can be very expensive and it is the only true benefit a curtain offers. On contrary, if you buy shutters online, you can control the amount of the light and air flow by just tilting the louvers while enjoying a total privacy. Shades Shades are similar to curtains in many ways. Window blinds Plantation shutters are made to last and even if they cost higher initially, it is worth the investment.

Best Retirement plans for your business with Heartland Consulting Group Susan Atkeisson, President, ERPA, CEBS, QPA President of Heartland Consulting Group, Susan Atkeisson has over 30 years of industry experience with retirement plan administration. In 1999, she opened Heartland Consulting Group as a daughter company to Hunter Midwest Inc. She has grown the business from an organization serving about 75 clients to... Read Full Bio >> Leann Saffell, Consultant, ERPA Leann Saffell has 17 years of experience in retirement plan administration and over 30 years of experience in general customer service. Teresa Glorioso, Consultant, ERPA With over 25 years of industry experience, Teresa Glorioso enjoys working as a consultant with Heartland Consulting Group. Angela LaRocca, Consultant, ERPA Angela LaRocca is an Enrolled Retirement Plan Agent (ERPA) with 25 years of experience in retirement plan administration. Hope White, Consultant Hope White has over 25 years of industry experience. Susan Korkames, Consultant Chris Oehrke, Consultant Jayme Ernst, Project Assistant

Evaluating Cash Balance Plans for Retirement Approaching Employees Focusing on Overall Financial Wellness: Tips for Plan Sponsors Several recent surveys have indicated a widespread lack of financial literacy among American workers. Add to this the fact that many employers struggle to engage workers in plan participation, and it becomes clear that workplace financial education could play a vital role in strengthening employer-sponsored retirement programs. Financial Wellness by the Numbers According to a 2015 LIMRA study, 95 percent of workers believe financial literacy is important. However, only 35 percent of respondents consider themselves … Read More Things to Consider When Evaluating a Cash Balance Plan Cash balance plans can be a great option for plan providers with established employees who are nearing retirement. Read More Retirement Plan Rollovers: What You Need to Know What happens when you switch to a new retirement plan? Read More The Importance of Engagement Employee engagement is a critical aspect of the success of any retirement program.

Lifestyle Plantation Shutters at Sola Shade Plantation Shutters Perth, WA Plantation shutters are fitted to the inside of your windows offering excellent light and privacy control whilst adding a distinctive style to any home. Moveable louvres mean you can control exactly how much heat and light are entering your home without compromising on good looks. Perfect for our hot Perth sun! Plantation shutters can be custom made in a variety of materials to suit any window, from hinged-opening through to bi-fold or even sliding shutters. Plantation shutters will not warp, split or fade and are great for wet areas such as kitchens, bathrooms and laundries, too. Check out our range below or come and visit our Perth showroom. View our range below

Administration of Retirement Plans for Small Businesses Keep in mind that investing involves risk. The value of your investment will fluctuate over time and you may gain or lose money. 1. 2. 3. 4. Thinking of a Window Treatment? You Can’t Go Wrong with Window Blinds! Window blinds are the perfect option to filter the light that enters your home and control your level of privacy. Online blinds can be pulled out for an unimpeded view or can be closed completely to ensconce you. These easy-to-adjust slatted window treatments are available in a variety of sizes, materials, price points and more. So, knowing how to determine and install perfect blinds for your home is critical. Choose the Right Style Hard materials such as vinyl or wood are used to make window blinds whereas shades are made from fabric. Horizontal Window Blinds Horizontal window blinds are perfect for windows that are small and narrow. Vertical Window Blinds Vertical blinds come in a wide range of colour and material choices just like horizontal blinds and feature a top track from which individual vanes hang. Material Type As stated earlier, window blinds online are made up of a variety of hard materials to suit your taste, needs, and budget. Precise Measurement Installation Basics