401(k) Plan Administrator Job at CPS, Inc., United States

  • CPS, Inc.
  • United States

Job Description

DC Plan Administrator / Consultant

Remote or Onsite | Compensation Commensurate with Experience

An established, independent third-party administrator specializing in the administration and compliance of qualified retirement plans is seeking an experienced DC Plan Administrator/Consultant to join its team. Known for technical depth, long-term client relationships, and a collaborative culture, this firm goes beyond software output to truly understand the plans it administers — and values professionals who take pride in accuracy, client service, and continuous growth.

This is a senior-level individual contributor role for a technically strong, detail-oriented professional ready to own a book of business and build lasting client relationships.

What You'll Do

  • Serve as primary point of contact for an assigned book of qualified retirement plan clients, including sponsors, advisors, CPAs, and recordkeeping partners
  • Handle full-cycle annual plan administration — census review, eligibility, valuation, compliance testing, and year-end deliverables
  • Perform ADP/ACP, 401(a)(4), 410(b), top-heavy, 402(g), and 415 testing
  • Calculate employer contributions across pro-rata, permitted disparity, and new comparability/cross-testing formulas
  • Prepare and file Form 5500 and related schedules, coordinating with auditors on large plan filings
  • Review loan and distribution requests, including hardship withdrawals, RMDs, and QDROs
  • Interpret plan documents and review amendments/restatements
  • Identify operational failures and recommend corrections via EPCRS (SCP/VCP)
  • Support plan terminations and issue required participant notices (Safe Harbor, SAR, Fee Disclosure, Blackout)
  • Monitor legislative/regulatory changes to proactively advise clients

What You Bring

  • Minimum 3 years of A-to-Z, soup-to-nuts DC plan administration experience
  • Strong command of ADP/ACP, 401(a)(4), 410(b), top-heavy testing, and contribution allocation methods
  • Working knowledge of ERISA, IRS, and DOL regulations
  • Form 5500 preparation and filing experience
  • Strong plan document interpretation skills
  • Excellent communication with sponsors, advisors, and CPAs
  • Strong organizational skills managing multiple clients and deadlines
  • Proficiency in Excel and Microsoft Office
  • Ability to work independently in a fully remote setup

Nice to Have

  • FTWilliam or PensionPro experience
  • DB or cash balance combo plan experience
  • MEP, PEP, or 403(b) experience
  • Audited large plan experience

What's Offered

  • Remote or onsite flexibility
  • Manageable, well-supported client caseload
  • Competitive base salary based on experience and credentials
  • Comprehensive benefits: health, dental, vision, retirement
  • Long-term stability with a firm that promotes from within

If you're a credentialed DC administrator looking for a stable, growth-minded team that values your expertise, we'd love to hear from you.

Salary Range $75,000 - $85,000

Job Tags

Full time, Work at office, Remote work

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