Retirement Plan Services

As a business owner, having a retirement plan is much more than just the basic plan document. You want to help your employees save for retirement and attract and retain employees with a robust benefits package. It’s also a way to save for your own retirement future while saving on taxes along the way. If you are just starting out and need a plan design for your business or you are looking for someone to take over the administration of your current plan, we want to help.

As a CPA firm, we will not only help design and/or administer your plan, our retirement plan and tax expertise mean we make sure the design of your plan is the right design for you and your employees. Whether you want a plan for all employees or just a specific group within your organization, we can provide options to fit your needs. Our team is highly trained and certified through the American Society of Pension Professionals and Actuaries as qualified 401(k) administrators, qualified plan administrators, and certified pension consultants, and of course, we are CPAs as well.

While not all CPA firms offer retirement planning and administration – especially for small to medium size businesses – at Kernutt Stokes, we are proud to do so. We see it as an important part of our clients’ business and personal financial picture; will make sure that your plan makes sense and is the best choice for you.

We also love doing this work for our clients and would love to do this work for you. We will help you find a solution that works for you, your business, and your employees.

Our Retirement Plan Administration team is led by Partner-in-Charge Dean Huber (center).

Let’s talk about your business!

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Other Services

Learn more about our other services for your business.

Tax Consulting and Compliance
Audit and Assurance
Business Consulting
Virtual Accounting

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Information and Resources

New Self-Correction Program for Late Participant Deferrals

by Andrea Smith |
Good news for 401(k) Plan Sponsors! Under new rules issued by the Department of Labor (DOL) beginning March 17, 2025, Plan Sponsors can now self-correct prohibited transactions resulting from the late funding of employee deferrals and certain participant loan failures. A new streamlined process will allow Plan Sponsors to correct those issues without filing under the DOL’s Voluntary Fiduciary Correction Program (VFCP) and provide fiduciary risk relief related to the correction of the prohibited transactions.

Important Retirement Plans Updates in 2025

by Andrea Smith |
New year, new rules, and new limits. In an increasing effort to help employees save for their retirement future, the SECURE 1.0 and SECURE 2.0 legislative acts contain several changes affecting retirement plans sponsors and participants. Over the next few months, we will deliver a series of articles which will take deeper dives into some of the newest rules and opportunities for retirement plans.

2025 Plan Limitations Reference Guide

by Andrea Smith |
Keep up-to-speed on employee benefit plan changes with our annual Employee Benefit Plan Limitations & Quick Reference Card.

Understanding the Impact of Workforce Reductions on 401(k) Plans

by Kernutt Stokes |
Employee turnover often triggers a wave of issues for a company and its human resources department. Even 401(k) retirement plans — one of the most sought-after employee benefits — can be impacted when a substantial number of employees are involuntarily terminated. This can constitute a partial 401(k) plan termination where full vesting of the affected employees must occur to satisfy legal and regulatory requirements, yet partial terminations are often easy to overlook.