---
title: "Third Party Administrator Louisville"
date: 2015-01-28
author: "Robbie Petrillo"
---

# Third Party Administrator Louisville

Pinnacle Plan Design is a third party administrator (TPA) for employer-sponsored qualified retirement plans. We specialize in retirement plan design, administration and actuarial consulting. Pinnacle is proud to offer retirement plan administration services in Louisville, KY (Kentucky), as well as nationally.

### Safe Harbor 401(k) Plans

Employee deferral and employer match contributions to a 401(k) plan must comply with non-discrimination rules. Annually, the average of the deferral rates of Highly Compensated Employees (HCEs) is compared with that of the Non-highly Compensated Employees (NHCEs), and if the spread between the two averages is too great, corrective steps (often refunds to HCEs) are required. This comparison is referred to as the Average Deferral Percentage (ADP) test. A similar test is performed on the employer match (as a rate of pay), referred to as the Average Contribution Percentage (ACP) test.

However, there are “safe harbor” design options that, when incorporated into a 401(k) plan, effectively allow the plan to bypass the ADP test and, potentially, the ACP test. The main tenet of the safe harbor includes a commitment by the plan sponsor to make an employer contribution that vests at an accelerated rate.

To see if a 401(k) plan is the right plan for your firm, please contact us.

### Contact: Third Party Administrator Louisville

Pinnacle Plan Design is proud to offer retirement plan administration services in Louisville, KY (Kentucky), and surrounding areas including Lexington, Fayette, Bowling Green, Owensboro, Jeffersonville, Newburg, Fern Creek, Clarksville, Lyndon, Valley Station, and New Albany.

"\*" indicates required fields

 

Email

This field is for validation purposes and should be left unchanged.







Name\*   First    Last 



Email\* 



Phone\*



Company



Message\*







 Submit