Full-Service Plan Administration
We serve as your ERISA 3(16) fiduciary. You focus on your business.
Complete plan administration, compliance monitoring, and fiduciary services. From plan remediation to ongoing management — we handle it all.
ERISA 3(16) Fiduciary
We assume administrative fiduciary responsibility for your plan
Full Compliance
Nondiscrimination testing, Form 5500 prep & filing included
Participant Services
Distributions, loans, RMDs, and beneficiary management
Complete Plan Administration
As your 3(16) fiduciary, we take on the day-to-day administrative responsibilities so you don't have to.
Plan Document Services
- Plan document maintenance
- Amendment preparation
- Summary Plan Description
- Required participant notices
Compliance & Testing
- ADP/ACP nondiscrimination testing
- Top-heavy testing
- 402(g) & 415 limit testing
- Coverage testing
Government Reporting
- Form 5500 preparation & filing
- Form 1099-R preparation
- Form 945 support
- Audit support for large plans
Contribution Processing
- Deposit monitoring
- Allocation calculations
- Employer match calculations
- Profit sharing allocations
Participant Services
- Distribution processing
- Loan administration
- Required Minimum Distributions
- Beneficiary management
Ongoing Monitoring
- Compliance dashboard
- Deadline tracking
- Regulatory updates
- Plan health monitoring
Plan Remediation & Cleanup
Got orphaned accounts, missing participants, or small balances cluttering your plan? We specialize in SECURE 2.0 compliant remediation — taking these accounts off your books entirely.
- Automatic IRA rollovers for accounts ≤$7,000
- Missing participant search & location services
- Complete fiduciary transfer — you're free and clear
- All required notices and documentation handled
Getting Started
Whether you need full plan administration or targeted remediation, here's how we work together.
Discovery
We review your current plan, identify pain points, and understand your goals.
Proposal
You receive a clear proposal outlining our recommended services and approach.
Onboarding
We handle all transition paperwork and coordinate with your current providers.
Ongoing Service
Dedicated support, compliance monitoring, and proactive administration.
Complete Visibility
Your sponsor dashboard gives you real-time visibility into plan health, compliance status, and participant activity — without the administrative burden.
- Real-time compliance monitoring
- Contribution and distribution tracking
- Participant enrollment status
- Upcoming deadline alerts
- Document archive and retrieval
Participant Experience
Your participants deserve a modern experience. We provide clear communications, easy access to their accounts, and responsive support.
- Self-Service Portal
- Participants can view balances, request distributions, and update beneficiaries online.
- Clear Communications
- Professional notices and statements that participants actually understand.
- Responsive Support
- Real humans available to answer participant questions and resolve issues.
- Mobile Access
- Account access from any device, anywhere. (Coming soon)
Why Todays Pension?
Industry Expertise
Decades of combined experience in retirement plan administration, compliance, and data management.
True Fiduciary
We take on real responsibility. As your 3(16) fiduciary, we're legally obligated to act in the best interest of your plan's participants and beneficiaries.
Modern Technology
Purpose-built platform for retirement data. No legacy systems, no manual workarounds.
White-Glove Service
Dedicated support team that knows your plan. Real humans, not chatbots.
Ready to simplify plan administration?
We're accepting early partners now. Let's talk about your plan.