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Corporate Retirement Plans
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corporate retirement plans

The Arkin Youngentob team assists employers in maximizing the value of their retirement plans for employees, executives and business owners. Today, the corporate sponsored retirement plan is an integral part of an organization's overall compensation and benefits strategy. Our experience demonstrates that intelligent plan design is often the most critical component of the Five Pillars essential to achieving your retirement plan’s success. Arkin Youngentob Associates offers comprehensive reviews and analysis of all Five Pillars of retirement plans to make sure they are the most efficient, while meeting company objectives.

During our review process, we find out everything we possibly can about your current plan. Has the right plan been implemented? Does the plan design meet targeted objectives? Is the plan being operated at maximum efficiency from both a contribution and expense level? Does the plan satisfy non-discrimination rules? Are investments meeting investment policy criteria and mitigating fiduciary liability? Are there efficiencies in structuring multiple plan types?

We ask these questions and more, so that we can provide you with comprehensive, educated and tailored recommendations. If more efficient approaches are available, we recommend options, implement enhancements and monitor overall plan performance.

We also provide guidance to executives, senior management and business principals to help maximize their unique retirement savings objectives. When time comes for making a withdrawal from a retirement plan, we advise as to the most efficient available distribution planning strategies.

Programs

The following are among the many types of retirement programs we offer:

Qualified Plans:

  • 401(k)
  • Profit Sharing
  • Defined Contribution
  • Defined Benefit
  • Split Funded Defined Benefit
  • Employee Stock Ownership
  • 403(b)
  • 457(b)
  • IRA

Non-Qualified Plans

  • Deferred Compensation
  • Supplemental Executive Retirement
  • Executive Bonus
  • 457(f)
  • Split Dollar

Case Study

Issue: A retirement plan for a 200-employee company included a profit sharing plan that provided participants with an annual contribution of almost 8 percent of salary and a 401(k) plan that continually failed nondiscrimination rules.

Solution: We recommended that part of the profit sharing contribution be allocated to a company match, the profit sharing amount be reduced and the remaining amount be targeted to select participants. We also facilitated an effective employee communication program. Participants wrote letters to senior management thanking them for the program enhancements, and the company saved more than $200,000 on annual contributions.

The case study results are for illustrative purposes only. This example does not represent any specific product, nor does it reflect sales charges or other expenses that may be required. No representation is made as to the accurateness of the analysis.

Arkin Youngentob Associates, LLC does not offer legal or tax advice.

 

Corporate Retirement Plans