Our Services

The Nydia Difference

At Nydia, we do more than retirement plan administration, we bring 30+ years of experience and our unique attention to detail to every client relationship. We call ourselves Retirement Plan Consultants (RPCs) instead of TPAs because of our consultative approach.

When you work with Nydia, your business isn’t just getting plan administration; we take the time to understand your business, and your personal goals so we can implement the right strategies to help you achieve your goals. The right retirement plan helps you to save on taxes, attract and retain the best people and do it all while staying totally compliant.

Barn Swallow in flight, Delta, BC, Canada

Plan Design and Implementation Services

Your retirement plan should reflect your business today and be ready for what’s next.

Whether you’re creating a new plan or enhancing an existing one, we make the process straightforward and effective. As your business grows and your team expands, we’re here to ensure your plan continues to serve you however many employees you add.

Custom plan design or redesign for Defined Benefit, Cash Balance, and Defined Contribution plans
New plan setup, takeover reviews, and conversion coordination (records, prior admin/actuary, legal/accounting)
IRS-approved plan and trust documents, Summary Plan Description (SPD), and plan EIN (as needed)
Amendments and full restatements on the IRS remedial amendment cycle
Clear scenarios to compare eligibility, vesting, funding commitments, and employer obligations
Transition planning when adding entities, changing ownership, or preparing for a transaction

Custom plan design or redesign for Defined Benefit, Cash Balance, and Defined Contribution plans
New plan setup, takeover reviews, and conversion coordination (records, prior admin/actuary, legal/accounting)
IRS-approved plan and trust documents, Summary Plan Description (SPD), and plan EIN (as needed)
Amendments and full restatements on the IRS remedial amendment cycle
Clear scenarios to compare eligibility, vesting, funding commitments, and employer obligations
Transition planning when adding entities, changing ownership, or preparing for a transaction

START A NEW PLAN TRANSITION AN EXISTING PLAN

Administration & Compliance

Keeping you compliant, prepared, and confident.

Compliance is complex, but it doesn’t have to be stressful. With decades of experience, our team ensures your plan runs smoothly within IRS and Department of Labor requirements.

Defined Contribution (401(k)/Profit Sharing)
- Apply eligibility and vesting rules; maintain participant accounts (for annual valuation plans)
- Annual compliance testing: coverage, nondiscrimination, ADP/ACP, top-heavy (§410(b), §401(a)(4), §401(k), §401(m), §416)
- Annual additions and deduction limit calculations (§415, §404)
- Year-end allocations, forfeitures, loans, distributions, and trust reconciliation
- Annual participant statements (and quarterly if applicable)
Defined Benefit / Cash Balance
- Accrued benefit maintenance and year-of-service/vesting application
- Coverage and nondiscrimination testing (§410(b), §401(a)(4), §401(a)(26)); top-heavy status
- §415 maximum benefit and §404 deduction limit calculations
Government Reporting & Notices (as applicable)
- Form 5500 (and Schedule SB for DB/CB), Summary Annual Report
- AFTAP certification, Annual Funding Notice (DB/CB), PBGC filings and premiums (if applicable)
- IRS Forms 1099-R, 945, 8955-SSA; safe harbor and auto-enrollment notices; QDIA and fee disclosures (if prepared by Nydia)
- Audit coordination if an independent CPA audit is required
Participant-facing administration
- Distributions and loans (procedures, calculations, amortization schedules)
- Hardship documentation support and rollover/§402(f) notices
- QDRO coordination and processing

Defined Contribution (401(k)/Profit Sharing)
- Apply eligibility and vesting rules; maintain participant accounts (for annual valuation plans)
- Annual compliance testing: coverage, nondiscrimination, ADP/ACP, top-heavy (§410(b), §401(a)(4), §401(k), §401(m), §416)
- Annual additions and deduction limit calculations (§415, §404)
- Year-end allocations, forfeitures, loans, distributions, and trust reconciliation
- Annual participant statements (and quarterly if applicable)
Defined Benefit / Cash Balance
- Accrued benefit maintenance and year-of-service/vesting application
- Coverage and nondiscrimination testing (§410(b), §401(a)(4), §401(a)(26)); top-heavy status
- §415 maximum benefit and §404 deduction limit calculations
Government Reporting & Notices (as applicable)
- Form 5500 (and Schedule SB for DB/CB), Summary Annual Report
- AFTAP certification, Annual Funding Notice (DB/CB), PBGC filings and premiums (if applicable)
- IRS Forms 1099-R, 945, 8955-SSA; safe harbor and auto-enrollment notices; QDIA and fee disclosures (if prepared by Nydia)
- Audit coordination if an independent CPA audit is required
Participant-facing administration
- Distributions and loans (procedures, calculations, amortization schedules)
- Hardship documentation support and rollover/§402(f) notices
- QDRO coordination and processing

Actuarial & Participant Services

Turning complex actuarial requirements into straightforward strategies.

For pension and defined benefit plans, actuarial expertise makes all the difference. Our actuaries deliver the insight and certifications you need to keep plans sustainable and compliant.

Actuarial services (DB/Cash Balance)
- Minimum required and maximum deductible contribution calculations
- Present value and lump-sum distribution calculations
- AFTAP, Schedule SB actuarial certification, actuarial valuation and reports
- Required accounting reports (ASC 715/960)
- Consulting with your CPA and advisor on tax-efficient funding
Plan changes & terminations
- Termination amendments and participant communications
- Final benefit calculations and distribution packages
- Final Form 5500 and PBGC post-distribution certification (if required)
Targeted consulting (as needed)
- Prior-year compliance reviews and corrective guidance
- Data reconciliation beyond standard scope
- IRS/DOL/PBGC inquiries and exams (assistance/representation)

Actuarial services (DB/Cash Balance)
- Minimum required and maximum deductible contribution calculations
- Present value and lump-sum distribution calculations
- AFTAP, Schedule SB actuarial certification, actuarial valuation and reports
- Required accounting reports (ASC 715/960)
- Consulting with your CPA and advisor on tax-efficient funding
Plan changes & terminations
- Termination amendments and participant communications
- Final benefit calculations and distribution packages
- Final Form 5500 and PBGC post-distribution certification (if required)
Targeted consulting (as needed)
- Prior-year compliance reviews and corrective guidance
- Data reconciliation beyond standard scope
- IRS/DOL/PBGC inquiries and exams (assistance/representation)

Schedule a Free Consultation

Our Services

The Nydia Difference

Plan Design and Implementation Services

Your retirement plan should reflect your business today and be ready for what’s next.

Custom plan design or redesign for Defined Benefit, Cash Balance, and Defined Contribution plans

New plan setup, takeover reviews, and conversion coordination (records, prior admin/actuary, legal/accounting)

IRS-approved plan and trust documents, Summary Plan Description (SPD), and plan EIN (as needed)

Amendments and full restatements on the IRS remedial amendment cycle

Clear scenarios to compare eligibility, vesting, funding commitments, and employer obligations

Transition planning when adding entities, changing ownership, or preparing for a transaction

Administration & Compliance

Keeping you compliant, prepared, and confident.

Defined Contribution (401(k)/Profit Sharing)

Defined Benefit / Cash Balance

Government Reporting & Notices (as applicable)

Participant-facing administration

Actuarial & Participant Services

Turning complex actuarial requirements into straightforward strategies.

Actuarial services (DB/Cash Balance)

Plan changes & terminations

Targeted consulting (as needed)

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