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For Wholesalers

Atlantic Pension Services is an independent, non-producing TPA. For all new fee proposal requests, we use the TPA service credits to offset our administration costs. In addition to fee proposals, we will also work with the financial advisor to provide plan design illustrations for the employer. We accompany advisors to client meetings to provide support.

Retirement Plan Design

Whether it is a start-up or a takeover plan, we provide services for the following types of plans:

  • 401(k) Plans
  • Solo 401(k) Plans
  • Profit Sharing Plans (including individual-class allocation design)
  • 403(b) Plans
  • 457(b) Plans
  • Traditional Defined Benefit Plans
  • Cash Balance Plans
  • Cash Balance/401(k) Combination Plans

Plan Document Creation

We provide a qualified plan document for all retirement plans we service. For new clients with existing plans, we will restate the plan document during the transition to our company. We can file for an IRS determination letter if requested.

Plan Administration

Record Keeping

We can recordkeep outside assets if the client and/or financial advisor. We will produce annual participant statements that combine both investment products.

Compliance Testing

We perform all necessary compliance tests annual or more frequently as needed. As a part of our standard services, we perform ADP/ACP testing semi-annually for non-safe harbor 401(k) plans.

Government Filings

We prepare the Form 5500, an annual informational tax return, and applicable Schedules, and Electronic Authorization Form each year. Once we receive the executed Authorization Form, we electronically file the Form 5500 on the client’s behalf. We will also prepare any necessary 1099-R Forms in the event the vendor does not offer this service.


We are serious about retirement plans. Plans can be complicated and Atlantic Pension Services helps to decipher plan document language to insure it can be followed efficiently and accurately. Our consulting practice services can be used once or ongoing to provide specific compliance testing, review plan operations or help resolve plan problems.

Form 5500 Issues

Form 5500’s that are filed late or not filed at all must be submitted to the Department of Labor (“DOL”) as soon as possible. Using the DOL’s Delinquent Filer Voluntary Correction Program (“DFVCP”), we assist the employer through the application process.

IRS & DOL Compliance

We guide the employer through the Internal Revenue Service (“IRS”) and DOL correction programs to bring plans back into compliance. Although not an ERISA attorney, we can refer to local attorney firms for technical or complicated cases.

IRS Audit

Plans are subject to random periodic IRS audits to insure compliance with the Internal Revenue Code. Atlantic Pension Services can assist with the preparation in the event a plan is chosen for audit or provide a plan review prior to audit selection.