an employee meeting

Retirement Plan Services

Our dedicated team is ready to go to work for you.

At TBT, we have years of experience helping businesses like yours create and manage retirement plans for their staff, managers and owners.
Our Retirement Plan Services group adheres to a fundamental set of values - including confidentiality, asset safety and security, and an unwavering commitment to professional excellence.  Our trusted retirement plan advisors are ready to meet with you, learn more about your business, and design a plan specifically tailored for your needs.

Through a strategic consulting approach, our professional team will assist you every step of the way in designing a retirement plan unique to your circumstances. They will provide guidance and support through the complex rules and regulations governing employee benefit plans. Our unparalleled personalized service combines customized plan administration with flexible investment options.

Working together, we will:

  • Customize our prototype plan document to meet the needs of your individual business
  • Conduct employee meetings to educate your staff about legal requirements, tax benefits, investment strategies, and retirement benefits
  • Handle government administrative matters and filings
  • Prepare all reports and employee communications required by law
  • Safe keep assets and account for all income and distributions
  • Provide mutual fund research and recommendations
  • Update asset allocation models
Profit Sharing Plans

These plans offer both design flexibility and discretion for making contributions. Employer contributions are flexible and may be allocated in a number of ways. The employer may make a discretionary contribution each year, which can be subject to a vesting schedule.

Cross-Tested Plans

These plans use allocation methods, which allow the employer to select classes of employees and provide different contribution allocation levels for each group. If the nondiscrimination tests are met, the employer can allocate a larger proportionate share of the company’s contribution to specific employees.

401(k) Plans

A 401(k) is a type of profit-sharing plan that includes an elective salary deferral provision. The employer typically has the ability to make a matching contribution that is tied to the elective salary deferral, as well as a profit-sharing contribution which is allocated to all eligible participants. Employees can make tax-deferred contributions or after-tax Roth contributions.

Safe Harbor Plan

A type of 401(k) plan under which an employer is not required to perform nondiscrimination testing of elective contributions or matching contributions by meeting certain employer contribution requirements and provide for 100 (%) percent immediate vesting of these contributions.


These are 401(k) plans for companies with less than 100 employees under which an eligible employer no longer needs to be concerned with discrimination testing or top-heavy rules. However, there are levels of employer contributions, lower elective deferral limit and 100% percent vesting of employer contributions.

Leveraging our experience and expertise, we can assist with all facets of your company’s retirement plan. Through our customized services, we can ensure your retirement program will continually adapt to the evolving needs of you and your employees.

Plan Design & Administration

  • Local, personalized service
  • State-of-the-art record keeping
  • Annual qualifications testing - ADP/ACP discrimination; annual top heavy; age 70 1/2 monitoring
  • Prototype documents
  • Summary plan descriptions
  • Tax reporting - tax form 1099-R preparation and tax form 5500 preparation
Employee Education & Communication
  • Conduct on-site enrollment meetings
  • Ongoing plan information and reporting
  • Online account access for sponsor/employees
  • Review balance and investment information
  • Transfer funds
  • Change investment elections and allocations
Flexible Employer Plan Options
  • Profit Sharing Plans
  • 401(k) Plans
  • SIMPLE Plans
  • Cross-Tested Plans
  • Safe Harbor Plans