BUSINESS SERVICES

• Accounting & Tax

• Audit & Assurance Services

• Business Advisory Services

• Business Valuation

• Computer Services

• Construction Expertise

• Cost Segregation Studies

• Healthcare Consultants

• Retirement Plan Services

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Retirement Plan Services

We began offering employee benefits pension and profit sharing services to provide added value to our business clients. We found many clients looking for progressive strategies to attract, retain, and strengthen ties with their employees. Retirement plans represent one benefit available to help build loyal relationships between employers and employees. In response, Jones & Roth made a commitment to provide a high quality retirement plan resource for businesses.

The Jones & Roth employee benefits team combines education, experience and credibility to deliver accurate and responsive plan design and administrative services. Our professionals have the experience and qualifications necessary to help ensure that your retirement plan meets your needs.

We can assist you with the design and review of your plan and either the administration or an audit of your plan.

Plan Design & Review

Our services are customized to the needs of individual businesses. In the plan design process, we offer the following:

• Evaluate your objectives and prepare a best-fit analysis of different plan types including profit sharing, 401(k), cross tested, and pension plans
  
• Discuss nondiscrimination testing
  
• Select appropriate plan or plans and determine specifications
  
• Assist with employee education and enrollment and recommend methods to improve employee participation
  
• Discuss payroll interfaces

Plan Administration

We offer the following services in Plan administration:

• Determine eligibility for participation and calculate contributions, benefits and earnings
  
• Perform various nondiscrimination tests as required by governmental agencies
  
• Prepare all IRS, Department of Labor and other governmental agencies' reports required by law.
  
• Prepare periodic reports for management summarizing individual and aggregate plan records, account allocations, investment results, and participant certificates
  
• Assist with participant distributions, provide benefit election forms and required notices

Plan Audits

The U.S. Department of Labor requires pension plans with more than 120 participants to receive an annual audit from an independent, qualified party. At Jones & Roth, we provide plan audit services to those clients who use another service provider to administer their plan. We do so because we believe there is a conflict of interest in auditing a plan for which we also act as plan administrator.

We will provide you with a copy of the audit, to attach to the annual Form 5500. During the course of our audits we propose any adjustments as we find them so there are no "hidden" surprises in the audit findings.

Because these plan audits are required by law, few clients expect to receive significant value in them beyond the scope of the audit. However, our employee benefits team strives to provide added value through reviewing control procedures and identifying methods for improving workflows whenever possible. We see ourselves as a partner to our clients, not just for the audit, but in improving their overall business functionality and profitability in any manner.

Audits for other third-party administrators

If your firm provides third-party administration and needs another firm to audit your clients' plans, we are happy to provide these audits without competing for the client's administration work.