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.