About Us

Administrative Retirement Services, Inc. (ARS) is a full service third-party administrator that was founded in 1998, with the goal of providing reasonably priced, creative plan design ideas for small to mid size companies. ARS currently administers over 400 plans with over $500,000,000 in plan assets. 

ARS assists plan sponsors in all aspects of retirement programs, from plan design, document preparation, annual compliance testing and reporting to investment solutions.  ARS administers all types of qualified plans such as:  401(k), Safe Harbor, Profit Sharing, Cross Tested, Sole 401(k), SIMPLE, Safe Harbor Flip Flop, 403(b), 457, Cash Balance and Defined Benefit.

We have an experienced, qualified staff, unparalleled by our competition.  All ARS administrators have bachelors or masters degrees, have successfully completed the American Society of Pension Professionals & Actuaries (ASPPA) QKA designation and have multiple years of experience specific to retirement plan administration.  Our credentials also include 1 CPA, 1 ERPA and 1 actuary. 

We represent clients on IRS & DOL audits and prepare IRS & DOL corrections, such as Self Correction and Voluntary Compliance Program Submissions.  

We prove our quality service by boasting client retention beyond 8 years.  When a client calls, a specific plan administrator familiar with the plan and company answers.  If there is ever a question, that person is 100% accountable and will ensure satisfaction and resolution.

ARS Philosophy

Our philosophy at ARS is to carefully listen to the client's objectives and design a customized retirement program which fits a company's needs and those of its employees. We believe a retirement plan is something which should continually evolve as the company and Internal Revenue Code changes.

ARS believes plan design and administration are the most important areas of a retirement program. The plan design must take into consideration the plan sponsor's objective and current tax legislation. The plan administration must be done timely and accurately, so as not to affect the plan's qualification status. Pertinent plan aspects, such as top heavy rules and plan testing requirements, must be communicated in a clear and concise manner.

ARS employs caring professionals who work exclusively on retirement plans and provide personal service in a timely manner.

ARS works with plan sponsors, accountants, attorneys, insurance agents and investment advisors. We assist plan sponsors in all aspects of retirement programs, from plan design to investment solutions to administration.

Overview of Services

  • Administrative Retirement Services, Inc. (ARS) sponsors all necessary plan documents conforming to all current IRS law. ARS will establish your plan on an approved prototype or individually designed plan document. The design of the plan will be specific to the client’s objectives and demographics. ARS also prepares all desired plan amendments.

  • Annually ARS calculates the plan contributions based on the owner’s Plan objectives with an emphasis on maximizing benefits to business owners.

  • ARS preforms all necessary plan testing, included but not limited to ADP/ACP testing (applicable to 401(k) plans), Minimum Participation and Coverage testing (§410), Annual addition of benefits and allocations testing (§415) and Top heavy testing (§416).

  • Preparation of Form 5500 and related schedules. Preparation of Summary Annual Report for participants. Preparation of appropriate PBGC form (for defined benefit plans only). ARS has never had a client pay a penalty for filing a late 5500.

  • ARS represents clients on IRS & DOL audits. We preform all types of plan corrections using IRS & DOL programs that requalify plans that have document or procedural failures. We handle all types of plan termination services. We work with a number of excellent investment advisors, insurance agents, accountant and attorneys that we can recommend for a number of additional services.

Getting Started with ARS

Get started by reviewing our Plan Types page.

When you are ready to begin working with ARS, complete our online company questionnaire. ARS will respond with a retirement plan proposal tailored for your company or organization.

If you have any questions, please contact us for more information, or call us at (630) 942-0010 x102.