Clean, compliant 403(b) administration from an independent TPA. No insurance company affiliations. No annuity sales pressure. Just plan work.
Request a Plan ReviewMost 403(b) Plans Are Sold, Not Designed
Truly Independent
We don't sell annuities, mutual funds, or insurance products. Our only revenue is the flat fee you pay us. That means our plan design recommendations are based on what's best for your organization — not on what generates the highest commission.
Both Paths
Some 403(b) plans are subject to ERISA, some are not. The compliance requirements differ significantly. We know both frameworks and advise you on which applies to your situation.
Critical Requirement
403(b) plans must satisfy universal availability rules — nearly all employees must be given the opportunity to defer. We manage eligibility tracking, notice requirements, and documentation so you stay compliant.
Multi-Vendor Plans
Many 403(b) plans have multiple investment vendors (a legacy of the old insurance-based model). We coordinate across vendors for contribution allocation, compliance testing, and reporting.
Full-Service Administration
Setup
We establish or restate your written plan document, ensure proper ERISA or non-ERISA status, and set up the compliance framework for ongoing administration.
415 & More
415 limit testing, 402(g) monitoring, Form 5500 preparation (for ERISA plans), and required amendments. We handle the full compliance package.
Accuracy
We track deferrals against annual limits, monitor catch-up eligibility (including the special 15-year catch-up for long-tenure employees), and flag issues before they become corrections.
Notices & Support
Annual notices, enrollment support, and direct participant Q&A. Your employees get clear, jargon-free guidance on their retirement benefit.
FAQ
If your plan is subject to ERISA, yes. Church plans and governmental plans are generally exempt from ERISA and the Form 5500 requirement. We'll determine which applies to your organization.
Employees with 15+ years of service at the same qualified organization may be eligible for an additional $3,000 catch-up contribution per year, up to a $15,000 lifetime maximum. This is in addition to the standard age-50 catch-up. We track eligibility and ensure proper documentation.
Yes. Many organizations are shifting from high-fee annuity products to lower-cost custodial account options. We can help manage the transition, including participant communication and vendor coordination.
Yes. While governmental 403(b) plans have different compliance requirements than private nonprofit plans, we administer both. We also work with 457(b) plans for governmental employers.