Our Services
The types of benefit plans and issues with respect to which we offer our clients practical and creative advice include the following:
Qualified Retirement Plans
- 401(k) plans
- Defined benefit pension plans
- Profit sharing plans
- Employee stock ownership plans (ESOPs)
- Money purchase and target benefit pension plans
- Cash balance, cross-tested, and other "hybrid" plans
Health and Other Welfare Plans
- Health plans
- Life insurance
- Long and short term disability plans
- Cafeteria (or flexible benefits) plans
- Severance pay
- Dependent care programs
- Voluntary Employees' Beneficiary Associations (VEBAs)
Executive Compensation
- Stock options
- Stock purchase plans
- Restricted stock plans
- Phantom stock programs
- Stock appreciation rights
- Nonqualified deferred compensation (including rabbi trusts)
- Split dollar life insurance
- Nonqualified annuities
- Other long term incentive programs
In addition to offering advice with respect to the types of programs listed above, we routinely work with clients on the following types of matters:
- EPCRS (the IRS program for resolving plan qualification issues relating to retirement plans)
- Early Retirement Windows
- Mergers and acquisitions
- Plan terminations
- Plan spinoffs
- Reporting and disclosure
- Annual reports (Forms 5500)
- Summary Plan Descriptions (SPDs)
- Summaries of Material Modifications (SMMs)
- PBGC forms
- Summary Annual Reports (SARs)
- Forms 990 for VEBAs
- PBGC reportable event filings
We pride ourselves on applying good judgment, thinking creatively, communicating plainly, and responding promptly. We work as a business partner in helping our clients devise and implement effective benefit programs, and in finding solutions to problems and resolving disputes.