I have over five years of experience in retirement plan administration, specializing in 401(k) and 403(b) plans. My expertise includes ensuring compliance with ERISA, IRS, and DOL regulations. I have successfully managed plan audits, prepared Form 5500 filings, and conducted annual non-discrimination testing. Additionally, I have worked closely with clients to resolve compliance issues and implement corrective measures. My proactive approach ensures plans remain compliant while meeting the needs of participants and employers.

I stay current on regulatory changes by subscribing to industry newsletters, attending webinars, and participating in professional organizations like ASPPA and NAPA. I also regularly review updates from the IRS, DOL, and ERISA. Networking with peers and attending conferences helps me gain insights into emerging trends. This continuous learning ensures I provide accurate, up-to-date advice to clients and maintain compliance with evolving regulations.

In one instance, a client’s plan failed ADP/ACP testing, risking penalties. I analyzed the data, identified highly compensated employees contributing disproportionately, and recommended a corrective distribution process. I also suggested implementing a safe harbor plan to prevent future issues. The client avoided penalties, and the plan remained compliant. This experience highlighted my problem-solving skills and ability to deliver practical solutions under tight deadlines.

I believe in simplifying complex concepts through clear, relatable communication. I use workshops, one-on-one meetings, and digital tools to educate participants about contribution limits, investment options, and tax implications. I tailor my approach to different demographics, ensuring all participants understand their benefits. By fostering financial literacy, I empower individuals to make informed decisions, ultimately improving retirement outcomes and plan satisfaction.

I focus on auto-enrollment, employer matching, and targeted communication campaigns. Auto-enrollment significantly boosts participation, while matching contributions incentivize higher savings. I also create personalized messages highlighting the benefits of participation and long-term financial security. Regularly reviewing plan design and participant feedback ensures the strategy remains effective. These approaches have consistently increased participation rates in plans I’ve managed.