Actuarial and Administration Services

Services For New Clients


  • Employer objectives discussed
  • Various options available regarding:
    • Contribution level
    • Benefit formula
    • Normal retirement date
    • Early retirement date
    • Deferred retirement
    • Disability benefits
    • Death benefits
    • Termination benefits
    • Integrated vs. nonintegrated
    • Cross Tested/Age Weighted
    • Defined Benefit vs. Defined Contribution
    • Multiple plans
    • Controlled businesses
    • Participant loans/hardship withdrawals
    • Collection of employee data
    • Cost/benefit illustration prepared


  • Drafting of plan documents based upon final design
  • Preparation of resolutions and forms required by IRS to establish a plan
  • Preparation of Summary Plan Description
  • Employee communication material
  • Preparation of any amendment required by IRS or discretionary amendments
  • Fidelity Bond requirements


  • Preliminary meetings are held at no cost to a prospective client. Once retained, EPAB operates on a fee basis.

Annual Administrative Services


Completion of forms:

  • 5500 Series (Forms and Schedules)
  • Form 1099-R, 1096, and 945
  • PBGC Filing Forms
  • Summary Annual Report
  • Form 8955-SSA
  • Participant Benefit Statements
  • Participant Termination Report


  • Accumulate census, asset information, etc.
  • Determine Eligibility
  • Completion of contribution & funding calculations
  • Completion of annual valuation report
  • Actuarial certification (where applicable)
  • Reconciliation of trust assets
  • Computation of retirement benefits and options
  • Computation of retirement, death, disability and termination benefits
  • Computation of forfeitures
  • Computation of accrued benefits
  • Computation of vested benefits
  • Perform all discrimination testing, coverage testing, participation & annual limits


  • Answer all questions concerning requirements, procedures and operation of the plan
  • Consulting with client, accountant, attorney and financial advisor
  • Compliance with current regulations
  • Coordination of plan with other fringe benefits
  • QDRO review & determination