M2B Retirement

Our 401(K) Services

Business Professional

At M2B Retirement, we offer comprehensive 401(k) services designed to simplify retirement planning for businesses and their employees. From tailored plan design and seamless setup to ongoing administration and compliance, we ensure your retirement plan meets all regulatory requirements. Our employee education programs provide valuable resources, one-on-one guidance, and workshops to help your team make informed financial decisions.

Our 401(K) Services

Plan Design
Plan Design & Implementation

Provide high-level consultation to ensure that each client is presented with options to best suit their needs and make implementation and/or conversion process as easy and “hands-free” for the client as possible.

Documents
Plan Documents

Whether it be the initial drafting, required restatement to comply with IRS regulations, plan amendments, or plan termination services, provide the necessary support to ensure the plan remains in compliance and retains its qualified status.

Trust
Compliance Testing & Trust Reconciliation

Perform all necessary testing to ensure plan is meeting requirements under IRC 401(k), 401(m), 402(g), 410(b), 401(a)(4), 401(a)(17), 401(a)(26), 404, 414(s), 415, and 416.

Participant
Participant Services

Track of eligibility/vesting, produce annual benefit statements and necessary notices/disclosures, and assist with the preparation of loan and distribution paperwork.

Government
Annual Government Reporting

Prepare signature-ready Form 5500 and Form 8955-SSA, and as needed, issue Form 1099-R and Form 945 to report distributions paid from the plan.

Audit
Audit Assistance

Provide guidance and assistance with IRS and DOL audits as well as large plan independent audit assistance for Form 5500 reporting. If your plan meets the large plan threshold and needs an independent audit, we have several referral partners with extensive experience conducting ERISA audits.

Conpliance
Compliance Resolution

Provide advice on correction programs (VCP, DFVCP) and assist with applicable reporting needed (Form 5330) in order for the plan to remain in compliance with IRS and DOL regulations.

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