Hand Benefits & Trust, Inc.
Hand and Associates
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Hand And Associates, Inc.
For over 60 years, Hand and Associates, Inc., the "oldest" member of Hand Benefits & Trust, Inc. has provided professional expertise in the consulting, design and administration of Defined Benefit Retirement Plans and "traditional" defined contribution plans for tax exempt, governmental, and private sector employers.

Areas of Consulting Practice

Actuarial/Administrative Services

Participant Communication Services
Areas of Consulting Practice
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Plan Design Including:

Areas Of Consulting Practice
Pension Plans
  • Traditional Defined Benefit Plans
  • Cash Balance Plans
Profit Sharing Plans
Employee Stock Ownership Plans (ESOPs)
Employee Communications

Non-Qualified Deferred Compensation Plans
Supplemental Employee Retirement Plans
Rabbi Trusts
401(k) - Balance Forward Plans
Target Benefit Plans and Money Purchase Plans
Age-Related Profit Sharing Plans and Age Weighted Profit Sharing Plans
Actuarial/Administrative Services
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Assistance with IRS, DOL, PBGC audits
Actuarial audit and plan review services including plans involved in mergers, acquisitions and spin-offs
Benefits counseling Actuarial/Administrative Services
Plan documentation, Plan amendments, & IRS filings
Actuarial Valuation and Certification
  • Reporting/disclosure to IRS, PBGC, DOL
  • Custom-designed individual Statements of Benefits

Compliance with FAS 87
  • Preparation of annual report for financial disclosures of pension expense; year-end reconciliation of funded status
  • Assistance with auditor's review
Assistance with qualified domestic relations order administrative procedures and application
Studies for and implementation of early retirement benefit windows and COLAs
Assistance with corrections under the Employee Plans Compliance Resolution System
Plan termination, including:
  • Required plan documentation
  • Required communications to employees
  • Filing with PBGC & IRS
  • Benefit calculations & options for employees
  • Applicable employee forms for distributions
Participant Communication Services
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Participant Communication Services
Enrollment

Summary plan description, summary annual report, statement of benefits
Optional payout illustrations; benefits counseling
Employee meetings to provide communications on defined benefit and target benefit plans
Retirement planning consultations
Building A Stronger Future, One Generation At A Time
Copyright © 2004  Hand Benefits & Trust, Inc.