Retirement Plan Consultant Combo Plans

Overview

This role is responsible for the day-to-day management of an assigned caseload of Defined Benefit/Cash Balance/401(k) Combo Plans. The position serves as the primary point of contact and supports plan compliance, trust accounting, and annual filings for retirement plans.

Most roles are fully remote, requiring comfort using technology and maintaining a productive home office environment with reliable internet access.

Responsibilities

• Manage an assigned caseload of 130–150 combination plans, primarily Cash Balance/401k Plans, serving as the single point of contact.
• Accurately interpret and apply plan document provisions.
• Ensure compliance with DOL and IRS requirements.
• Prepare and review 401(k) Plan Trust Accounting.
• Perform annual compliance testing for assigned clients, including:
  • 402(g), 415(c), 410(b), ADP/ACP, Plan Limits, Top Heavy, etc.
• Prepare and file Form 5500 and related schedules.
• Work closely with the assigned Actuarial Analyst and Consulting Actuary.

Requirements

• Strong understanding of retirement plan documents, including:
  • Basic Plan Document, Adoption Agreement, Summary Plan Description (SPD), Amendments, Summary of Material Modifications (SMM), and annual notices.
• Understanding of the annual plan lifecycle, including data collection, eligibility, compliance testing, trust accounting, and Form 5500 preparation and filing.
• Proficiency with Microsoft Office applications.
• Demonstrated excellence in written and verbal communication.
• Detail-oriented with strong organizational skills.
• Solutions-oriented mindset.
• Understand requirements for QDRO support.
• High school diploma or GED required.
• 401(k) Plan compliance testing required.
• 3+ years of retirement industry experience in financial services operations.
• Broad knowledge of the retirement plan industry.
• Willingness to obtain ASPPA QKA designation or NIPA equivalent.
• ASC software strongly preferred; equivalent software (e.g., Datair) would be considered.
• Experience with Cash Balance and Defined Benefit Plans is a plus.
• Bachelor’s degree preferred.

Remote Working Requirements

• Ability to build rapport with others remotely while working productively with limited in-person interaction.
• Access to a reliable, consistently strong, high-speed internet connection suitable for remote work.
• Designate a quiet, well-lit space free of as many distractions as possible.
• Be online and available to work during designated business hours in your local time zone.
• Comfortable using Microsoft Teams (or similar virtual-meeting applications) for regular video meetings and chat communication.
• Familiarity with Microsoft Teams features (e.g., Channels and file storage) is a plus.
• Accustomed to file-storage and file-sharing tools such as Microsoft SharePoint.

Compensation & Benefits

• Virtual-first work philosophy for most jobs.
• 401(k) with up to 4% match.
• Flexible PTO (time off does not accrue).
• 12 paid holidays, 2 paid floating holidays, and your birthday is a holiday.
• Paid Parental Leave.
• Medical, dental, and vision plan options, including company-subsidized premiums.
• Company-paid life insurance and short-term disability insurance.
• Bonus plan eligibility.