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Plan Administration

Taking the worry out of plan operation

INTRUST does more than just provide participant recordkeeping services. The INTRUST team can positively impact all facets of plan administration and plan management by providing a prototype or volume submitter document, participant recordkeeping services, annual compliance testing and other plan administration services.

Our full-service solutions are delivered by a team of retirement professionals who are 100% focused on helping you run your retirement plan. We bring substantial depth of experience to each client relationship, including six Qualified 401(k) Administrators (QKAs) and five team members each with 20+ years of experience.

Our goal is to take the worry out of plan operation. We know that running a business can be time consuming and all encompassing. We’re confident we can make it easier for plan sponsors to understand and operate their plan. Putting it all together – it’s what we do best. Learn more about our approach to plan administration:

  • Annual 410(b) coverage testing
  • Annual salary deferral 402(g) limit
  • Annual 415 testing
  • Annual ADP and ACP non-discrimination testing
  • Annual top heavy testing
  • Annual deduction limits
  • Annual allocation and reconciliation of employee and employer contributions
  • Determination of employee eligibility
  • Comprehensive audit package and 5500 Preparation
  • Plan’s Summary Annual Report
  • Review and processing of Hardship and In-Service requests
  • Consulting services with respect to discrimination testing and coverage
  • Consulting services regarding normal administrative activities in the day-to-day operation of the plan
  • ERISA compliant individual participant statements
  • Develop, implement and administer Loan policy and program
  • Develop, implement and administer Qualified Domestic Relations Order policy and program
  • Develop and deliver required annual notices
  • Develop and deliver Annual Participant Fee Disclosure statement
  • Develop and deliver enrollment materials and other plan forms to Plan Administrator
  • Develop and make available all distribution and withdrawal forms
  • Approve or deny distribution and withdrawal requests
  • Daily valuation and same-day trading of participant accounts
  • Initiate buy/sell orders for permissible transactions
  • Maintain records of participant accounts, deposits, withdrawals, investment gains/losses, and investment election percentages
  • Provide integrated DVC payroll upload capabilities
  • Prepare and distribute plan’s distribution election forms
  • Prepare all required plan reconciliations
  • Provide a self-directed Brokerage Window
  • Interactive website and 24-hour voice response unit
  • Call center with access to live operators
  • Allocate participant contributions
  • Provide consulting services as requested

Our tried and tested team is innovative. They look for opportunities to discover new paths and processes that will make your plan operate more smoothly and optimally. The INTRUST support team is always focused on:


It’s the INTRUST Difference: We make it easy to operate your plan

We have designed our business operations to ease the stresses and complications of retirement plan sponsorship. Here’s how we do it:

  • You have one point of contact at INTRUST for questions about your plan
  • You have direct access to our experienced professionals
  • We specialize in the retirement business. That’s all we do. We offer experience, expertise and a genuine passion for getting things done right—the first time
  • We take on ERISA 3(16) responsibilities specific to loan policy, QDRO procedures and approval, annual notices, participant notices, distribution processing and a myriad of details you won’t have to manage
  • We offer a fiduciary partnership that will help keep your plan in compliance. We manage it all, from plan design to fund choices to daily administration to participant education
  • You focus on your business. We focus on your retirement plan—that’s our business
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