Customized Retirement Plan Design & Administration - Built Around Your Business
At Heller Pension Associates, retirement plans are not templates - they are strategies.
For more than 50 years, we have helped small to mid-sized businesses design and administer retirement plans that align with ownership goals, tax strategy, and long-term growth. Whether you are starting a new plan, redesigning an existing one, or seeking stronger compliance oversight, our experienced team provides the technical precision and personalized service that businesses and advisors rely on.
Customized Retirement Plan Design
Every business is different - and your retirement plan should reflect that.
We design plans based on:
- Ownership structure
- Compensation levels
- Employee Demographics
- Related entities
- Cash flow considerations
- Long-term business objectives
Our goal is to maximize tax-advantaged contributions for owners and key employees while maintaining cost efficiency for the company as a whole. We design and redesign:
- 401(k) Plans
- Profit Sharing Plans
- Traditional Defined Benefit Plans
- Cash Balance Plans
- 403(b) Plans
- Owner-Only ("Solo") 401(k) Plans
Proper design can significantly impact contribution levels, compliance, and long-term outcomes. We take the time to get it right.
Annual Administration & Compliance Services
Retirement plan regulations evolve constantly. Compliance is not optional - and details matter. We provide comprehensive annual administration, including:
- Eligibility determination and contribution calculations
- Annual valuations and participant statements
- Form 5500 preparation and filing
- Nondiscrimination testing
- Actuarial calculations and certifications (Schedule SBs, AFTAPs)
- PBGC premium filings
- Loan documentation and recordkeeping
- Distribution processing and required tax forms (1099-R, 945)
- Required plan amendments and restatements
- Ongoing review to ensure continued optimization
Our administrators average more than 25 years of experience and often remain assigned to the same clients for decades - ensuring continuity, familiarity, and proactive oversight.
Plan Takeovers & Redesigns
Approximately half of our clients come to us through plan transitions. We frequently identify:
- Compliance gaps
- Missed design opportunities
- Incorrect testing results
- Inefficient plan structures
Our team conducts a thorough review and implements corrective strategies to bring plans into compliance and better alignment with business objectives.
Consulting & Collaboration with Financial Advisors & CPAs
We work closely with business owners, financial advisors, and CPAs to ensure retirement plan strategy supports broader financial and tax planning objectives. Our role is focused exclusively on retirement plan design and administration - allowing us to complement advisory and accounting relationships without competing for them.
Owner-Only & Specialized Plans
Owner-only and "Solo" 401(k) plans may appear simple but often encounter compliance issues when not properly administered. We assist with:
- Proper setup and documentation
- Ongoing compliance oversight
- Corrections for previously mismanaged plans
Even the simplest plans deserve expert attention.
The Heller Difference
- 50+ Years of Experience
- Deep Technical Customization
- In-House Legal Expertise
- Stable, Experienced Service Team
- Strong Local Relationships in South Florida & New York
- Personalized Service - Not Call Center Support
- Structured to deliver long-term stability, technical excellence, and personal accountability.
