05/28/2025

Important SECURE 2.0 Update

Under the SECURE 2.0 Act Provision 603, starting in 2026, individuals earning $145,000 or more in FICA wages will need to make catch-up contributions as Roth contributions. For new and existing plans, please review to determine if Roth options need to be included.

Ascensus Retirement Services

Ascensus, a leading retirement plan solutions provider, will act as the pre-approved sponsor for your client's retirement plan document. As one of the largest qualified retirement plan platforms in the country, we offer many plan design options to help create a plan that meets anyone's needs.

Forms

Ancillary Forms Available

These forms are provided for qualified retirement plan administrators to use in the course of administering their plans. The plan administrator should keep copies of these completed forms.

- Sample Board Resolution
  
  C corporations, S corporations, and LLCs can use this form to document their plan-related decisions.
- Participant Notice of Blackout
  
  This notice must be provided to participants if certain transactions are suspended during a transition to a new provider.
- ERISA Section 404(c) Employee Information Sheet
  
  This form provides the required information to participants for the employer to comply with ERISA Sec. 404(c).
- ERISA 404(c) Employer Guidelines
  
  This guide helps employers understand and comply with the requirements of ERISA Sec. 404(c).
- Designation of Beneficiary Form
  
  Participants use this form to name beneficiaries for their accounts.
- Document Service Agreement (DSA)
  
  Document Service Agreement outlines Ascensus’ and the employers' responsibilities.
- Owner-Only (Individual 401(k)) Plan Design Questionnaire
  
  A 401(k) plan designed for sole proprietors with no employees, or for owners and their spouses, offering elective deferrals and/or profit sharing contributions.
- 401(k) Profit Sharing & Money Purchase Plan Design Questionnaire
  
  A 401(k) Profit Sharing plan is designed for businesses with employees, offering elective deferrals, profit sharing contributions, and employer matching contributions. (Elective deferrals and employer match are not allowed in a profit sharing only plan.) A Money Purchase plan requires a fixed annual employer contribution. (Elective deferrals and other discretionary employer contributions are not allowed in a money purchase pension plan).
- SIMPLE 401(k) Notice
  
  Employers with a SIMPLE 401(k) plan must distribute this notice annually to plan participants.
- Automatic Rollover Notice
  
  Employers use this form to notify plan participants of automatic rollover provisions applicable to their plan.
- Successor Trustee for Individual (k) plans
  
  Plan Sponsors use this form to designate a Successor Trustee
- 401(k) Safe Harbor Contribution Notice
  
  Employers with a 401(k) safe harbor plan must distribute this notice annually to plan participants.
- QRP Update Request Form
  
  Plan Sponsors use this form to request changes to their contact information and/or to update provisions within their existing Adoption Agreement serviced at Ascensus.

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