Actuaries Unlimited, Inc. is a third-party pension administration and consulting company that has been in business for over fifty years. Located in Encino, California, Actuaries Unlimited, Inc. provides a comprehensive spectrum in actuarial and retirement benefits consulting services including administration, compliance, plan documentation, design, consulting and tax form filing.

We service more than 2,200 qualified retirement plans (Defined Benefit, Cash Balance, Profit Sharing, Money Purchase Pension, and 401(k)) for companies ranging in size from 1 to 500 employees. We primarily work with prominent clients in the entertainment, medical, and legal industries, as well as accounting, real estate, engineering, architecture, business consulting, manufacturing, distribution and retail.

New Plan Design

We take the time to work with our clients and their advisors to tailor new plan designs to fit their unique needs. Our plan design team is one of the most creative in the business. We think outside the box. Our goal is always to devise new and adaptive strategies to bring our clients’ tax savings. Already have a qualified plan? No problem! We’d love to show you how a creative, efficient re-design can boost your retirement strategy.

Our plan designs include:

  • Defined Benefit Pension Plans
  • Cash Balance Pension Plans
  • 401(k) Plans
  • Profit Sharing Plans
  • Money Purchase Pension Plans

Administration Services

Like any other investment strategy, maintaining a qualified retirement plan takes know-how. At Actuaries Unlimited, Inc., our plan administrators guide you through every step of the process. We complete annual valuations of your plan along with the yearly employee reports and notices, election forms and tax filings required to maintain compliance with Internal Revenue Service and Department of Labor regulations.

Our administrative services include:

  • Plan Document
  • Summary Plan Description
  • IRS Submission
  • Actuarial Valuation and Comprehensive Report
  • Individual Benefit Statements
  • Summary Annual Report
  • Annual Funding Notice
  • IRS Form 5500 and Related Schedules
  • Actuarial Certification (Schedule SB and AFTAP)
  • PBGC Forms and Certification
  • Pension Accounting Disclosure Requirements

3rd Party Certifications

All Defined Benefit Pension Plans and Cash Balance Pension Plans must be certified on an annual basis to stay compliant with the IRS. Only an actuary can certify these documents.

Our in-house actuaries will review the following for your cash balance pension and defined benefit pension plans:

  • Accrued benefit calculations
  • Minimum required contributions and maximum deduction limits (funding calculations)
  • Non-discrimination testing
  • PBGC calculations and forms

Once all actuarial items are reviewed, we will provide you with a signed AFTAP certification, Schedule SB, and PBGC forms (if applicable).

Distributions & Other Plan Services

AUI provides plan services that go far beyond the annual filings. From inception to termination, we’ve got you covered. We provide the plan and trust documents and any necessary plan amendments or restatements. We prepare the required paperwork for distributions and the associated tax filings. We work with employers to establish beneficiary designations. And if the time comes that a retirement plan no longer fits your business strategy, we make sure that the plan is terminated appropriately and promptly.

Our Distributions and Other Plan Administration Services include:

  • Plan Document
  • Summary Plan Description
  • Minimum Required Distributions
  • IRS Forms 1099-R
  • IRS, DOL and PBGC Plan Audits
  • Resolving Compliance Issues
  • Plan Mergers
  • Plan Terminations

IRS Audits

Audits happen. If your plan is randomly chosen for an IRS audit, we will take the lead. Our office will review the IDR (Initial Data Request) from the IRS. We will then work with you to prepare plan and corporate documents and respond to the IRS request. From there, we will handle all correspondence with the IRS agent on behalf of your plan.