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White Leaf - Assurance Retirement Group, LLC
Green Leaf - Assurance Retirement Group, LLC

Welcome to
ASSURANCE RETIREMENT GROUP, LLC

A professional, service-oriented
Third Party Administration firm,
serving clients locally & nationwide.

Lt Green Leaf - Assurance Retirement Group, LLC
Lt Green Leaf - Assurance Retirement Group, LLC
Lt Green Leaf - Assurance Retirement Group, LLC
Lt Green Leaf - Assurance Retirement Group, LLC
Lt Green Leaf - Assurance Retirement Group, LLC

26+ years of experience designing & administering qualified plans

Providing excellent service is the most important aspect
of our relationships

Full spectrum of services to support 401(k), Profit Sharing,
Money Purchase Pension, and Cash Balance Plans

Service-based fee structure (not a percentage of assets)

Owner Operated TPA Firm

A local touch,
no matter where you are!

WHY ARG?

You can benefit from our 26+ years of experience,
as well as from our service-oriented approach to retirement plan administration.

A 'local touch' service model, no matter where you are. Our client base includes Connecticut, Florida, Georgia, North Carolina, New York and South Carolina.

26+ years of experience designing and administering Qualified Retirement Plans: 401(k), Profit Sharing, Cash Balance.

We work seamlessly with your other advisors.

You will never fill out a 'questionnaire' for the administration of your plan, as Big Record Keepers require.

We offer a full menu of administrative tasks, to help take the burden off of you...

Lt Green Leaf - Assurance Retirement Group, LLC
Lt Green Leaf - Assurance Retirement Group, LLC
Lt Green Leaf - Assurance Retirement Group, LLC
Lt Green Leaf - Assurance Retirement Group, LLC
Lt Green Leaf - Assurance Retirement Group, LLC
Lt Green Leaf - Assurance Retirement Group, LLC

Plan Documents
IRS Form 5500 Prep
Full Scope of Testing
Record Keeping
Vesting Maintenance
Eligibility Determination, etc.

Assurance Retirement Group, LLC helps you find the right solutions for your specific retirement plan needs, and we make having a retirement plan HASSLE FREE!

SERVICES WE OFFER

Plan Design Feasibility:

Roth and Traditional 401(k),
New Comparability Profit Sharing,
Social Security Integrated Profit Sharing
Safe Harbors, Company Match,
and Cash Balance Pension Plans

Non-Standardized
Volume Submitter Document Preparation

(Client Specific; not Cookie Cutter)

Valuations at any frequency

Participant Distributions
& 1099-R's

Signature Ready
Annual IRS Form 5500

Ongoing Plan Operations:

Eligibility, Vesting, Loans,
Distributions, Retirement Age, etc.

Plan Terminations
& Plan Takeover

Required Discrimination Testing

DFVC & other
Compliance Resolutions

Annual Deduction Calculation
& Accrual Determination

(working closely with CPA)

Participant Disclosure
& Informational Meetings

Cash Balance Services

Blue Leaf - Assurance Retirement Group, LLC

SERVICES FOR ACCOUNTANTS
OR OTHER PROFESSIONALS

Administration of Retirement Plans
for your clients with a *Discount offered*
when you serve as the 
main contact for clients

ANNUAL LIMITS

2024 Benefit and Contribution Limits

Lt Green Leaf - Assurance Retirement Group, LLC
Lt Green Leaf - Assurance Retirement Group, LLC
Lt Green Leaf - Assurance Retirement Group, LLC
Lt Green Leaf - Assurance Retirement Group, LLC

401(k) Salary Deferral Limit:
$23,000 + $7,500 Catch Up

415 Limit Defined Contribution:
$69,000 (+ catch up deferrals, if applicable)

Highly Compensated = $155,000

Maximum Compensation Limit = $345,000

2025 Benefit and Contribution Limits

Lt Green Leaf - Assurance Retirement Group, LLC
Lt Green Leaf - Assurance Retirement Group, LLC
Lt Green Leaf - Assurance Retirement Group, LLC
Lt Green Leaf - Assurance Retirement Group, LLC

401(k) Salary Deferral Limit:
$23,500 + $7,500 Catch Up

415 Limit Defined Contribution:
$70,000 (+ catch up deferrals, if applicable)

Highly Compensated = $160,000

Maximum Compensation Limit = $350,000

              Long-Term Part-Time Employees:

Employees who work at least 500 hours per year, for 2 consecutive years, must be allowed to make 401(k) Deferrals to your Plan.
No employer contribution required.

Effective 1-1-25, count these LTPT employees starting with the 2023 year.

                Higher Catch-Up Contributions:

Beginning 1-1-25, if you are between the ages of 60 - 63, you may defer a higher catch-up 401(k) contribution than before. 

The additional catch-up contribution is limited to:  the greater of (1) $10k (indexed each year), OR (2) 50% more than the regular catch-up contribution for that year.  (The $10,000 option will be the greater choice for many years.)

For example, if you are 60, 61, 62, or 63 years old in 2025, you may choose to defer the normal $23,500 PLUS $10,000 as a catch-up 401(k) deferral.




 

Automatic Enrollment:

QACA feature is required for new plans that begin on or after 1-1-25.
2 Exceptions:
(1) small biz with 0-10 employees, and 
(2) businesses that have been in biz less than 3 years.

QACA = Qualified Automatic Contribution Arrangement. 

Your payroll manager must keep up with who has or has not turned in their 401(k) Deferral Election Forms. An employee will be automatically
enrolled into 401(k) plan if he/she has not completed a Deferral Election Form. 

The QACA must begin at a deferral rate of at least 3%, and must increase annually by 1% until reaching 10% max.

Roth RMDs:

There are NO Required Minimum Distributions from ROTH money.

SECURE ACT 2.0 INFO

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