PAS & Open Architecture Approach

Plan Administration Solutions

Nonqualified plans play an important role in distinguishing a company's compensation and reward strategies. Retirement Capital Group (RCG) offers companies the capacity to manage all types of nonqualified plans, including 401(k) mirror/excess plans, Deferred Compensation Plans, Supplemental Executive Retirement Plans (SERP), Retention Trusts, and Insured Security Option Plans (ISOP). To offer an effective nonqualified plan, plan administration plays a critical role in delivering an exemplary experience to plan participants and plan sponsors, therefore RCG has taken a unique approach to providing plan administration services.

Retirement Capital Group's solution to Plan Administration

 At RCG we place the highest value on doing what's best for our clients. Our goal is to exceed the expectations of plan sponsors and their employees. RCG's approach to Plan Administration is a consultative process where we evaluate Third Party Administrator (TPA) firms to provide administration solutions well matched to the unique needs and wants of each company. We understand that each company has a unique plan design, corporate culture and employee needs that can only be met with a customized administration solution shaped exclusively for the company. Whether the company has designed a simple annual valuation fixed interest plan or a more customized daily valuation plan with multiple company matches and vesting schedules, we will provide the most optimal plan administration solution.

Each Client has a choice at Retirement Capital Group

We have created a proprietary database of high quality Third Party Administrators (TPA) serving the nonqualified plan industry. This provides each company with flexibility during the administration phase of their plan and for the life of their plan -- with RCG's experts serving as your guide, each client company can select a TPA that offers the services they need to match their goals, and our clients can be confident that their selected administrator has been comprehensively researched by RCG. If our clients are not satisfied at any time, we will facilitate a change.

Multiple Solutions for each client

Different TPAs utilize a different approach and solution to plan administration. Through RCG's open architecture approach to plan administration, RCG is able to offer multiple solutions to each client's unique needs and wants.

Full Service Solution

 Together, RCG and the selected TPA offer clients a uniquely flexible nonqualified plan administration solution with the expertise of two highly respected providers.

RCG's Role: As your primary contact, we focus on the success of your plan - drawing on our expertise in plan design, benefit security solutions, and plan administration solutions to help you design a plan that's tailored to your needs and flexible enough to keep pace with legislative changes. RCG orchestrates various plan elements - from contribution sources, vesting schedules, matching programs, and deemed investment options - and identifies the benefit security solutions, trust services and plan administration services you need to implement a nonqualified plan offering that is both appealing to employees and efficient to administer.

Selected TPA's Role: The selected TPA provides the technology to record keep the plan. RCG PAS Certified TPAs utilize web-based administration systems that offer a seamless flow of plan information to both the plan sponsor and participant.

Web-based Plan Administration Solutions

RCG PAS Certified administrators also provide the following services to our clients:

• Daily account valuation
• Real time, daily, online report generating for plan sponsor and plan participants
• Automatic Dollar Cost Averaging Capability
• Technology to track all classes of mutual funds, stocks, and interest rates
• Technology to track unlimited number of vesting schedules and contribution sources
• Display and track multiple distribution elections and balances
• Daily Asset/Liability Matching Services
• Research Information on Deemed Investment Options
• Online Enrollment
• Customize Plan Reallocation Schedules
• Integration of Nonqualified Defined Benefit and Defined Contribution Plan on one platform
• Integration of Nonqualified Plan and Qualified Plan on one technology platform

Screening Third Party Administrators (TPAs)

In our comprehensive research and evaluation process, we screen and monitor TPAs based on these main factors:

1.  Stability - Low turnover of plan administrator and stability in management
2.  Experience - Experience and expertise in nonqualified plan administration
3.  Technology - Flexible administration system with highest level of security

 To ensure that each client continues to receive first-class plan administration service through the life of its plan, RCG devotes considerable resources to monitor each TPA. We conduct annual plan sponsor and participant surveys and meet with each TPA to rate overall performance compared to similar firms in the industry. To make sure that our clients take advantage of state-of-the-art technology and best practices in plan administration, we continuously identify and monitor TPAs.