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Why choose EPS? Our History Our Team About Us EPS is a boutique company that is specialized at client hand holding and attending to client’s individual needs and requests. We understand that all businesses are different and we customize the retirement plans to what best suits our clients’ objectives as opposed to the vanilla plans that our competitors provide. ​ EPS does not handle investments nor receive commissions or any form of disguised payments. We work as an independent actuarial and third-part administrator on a fee basis only. ​ As the rules and regulations regarding retirement plan benefits expand and become more complex, they have also become the focus of increased litigation and governmental regulation requiring increased administrative and legal attention. We work with our clients to make sure they are compliant with all IRS regulations. Get Started

Plan Design Plan Document Preparation & Maintenance Plan Administration & Compliance 401(k)/Profit Sharing Plan Consulting Actuarial Consulting Governmental Form Preparation Merger and Acquisition Consulting Plan Administration & Compliance Our client service is detail oriented and therefore, the management and administration plans are dealt with accordingly. Our teamwork is a fluid and timely. ​ In order to execute the plan according to the set parameters, our service includes data collection, valuation reports, employee profit sharing allocation, all kinds of testing required before the plan is executed, preparation of all kinds of forms (IRS or otherwise), Annual Summary Reports, PBGC Premium Filings, and other compliance or administrative services.

Our Clients I'm a Paragraph. Click me to add your own text and edit me. It’s easy. Just click “Edit Text” or double click me and you can start adding your own content and make changes to the font. It’s easy. Just click “Edit Text” or double click me. It’s easy. Just click “Edit Text” or double click me. CLIENT STORY // 01 I'm a paragraph. Click here to add your own text and edit me. It’s easy. Just click “Edit Text” or double click me and you can start adding your own content and make changes to the font. Feel free to drag and drop me anywhere you like on your page. I’m a great place for you to tell a story and let your users know a little more about you. ​ This is a great space to write long text about your company and your services. You can use this space to go into a little more detail about your company. Talk about your team and what services you provide. Tell your visitors the story of how you came up with the idea for your business and what makes you different from your competitors. Make your company stand out and show your visitors who you are. At Wix we’re passionate about making templates that allow you to build fabulous websites and it’s all thanks to the support and feedback from users like you! Keep up to date with New Releases and what’s Coming Soon in Wixellaneous in Support. Feel free to tell us what you think and give us feedback in the Wix Forum. If you’d like to benefit from a professional designer’s touch, head to the Wix Arena and connect with one of our Wix Pro designers. Or if you need more help you can simply type your questions into the Support Forum and get instant answers. To keep up to date with everything Wix, including tips and things we think are cool, just head to the Wix Blog! CLIENT STORY // 02 I'm a paragraph. Click here to add your own text and edit me. It’s easy. Just click “Edit Text” or double click me and you can start adding your own content and make changes to the font. Feel free to drag and drop me anywhere you like on your page. I’m a great place for you to tell a story and let your users know a little more about you. ​ This is a great space to write long text about your company and your services. You can use this space to go into a little more detail about your company. Talk about your team and what services you provide. Tell your visitors the story of how you came up with the idea for your business and what makes you different from your competitors. Make your company stand out and show your visitors who you are. At Wix we’re passionate about making templates that allow you to build fabulous websites and it’s all thanks to the support and feedback from users like you! Keep up to date with New Releases and what’s Coming Soon in Wixellaneous in Support. Feel free to tell us what you think and give us feedback in the Wix Forum. If you’d like to benefit from a professional designer’s touch, head to the Wix Arena and connect with one of our Wix Pro designers. Or if you need more help you can simply type your questions into the Support Forum and get instant answers. To keep up to date with everything Wix, including tips and things we think are cool, just head to the Wix Blog!

Plan Design Plan Document Preparation & Maintenance Plan Document Preparation & Maintenance Plan Administration & Compliance 401(k)/Profit Sharing Plan Consulting Actuarial Consulting Governmental Form Preparation Merger and Acquisition Consulting Once the plan is finalized, we prepare the document keeping in mind the IRS guidelines and changing rules. The document prepared by our team is fully customized and clearly outlines how the plan will work. ​ We provide our clients the service of submission of the document to the IRS. In case there are any regulatory changes or the client feels that the plan can be improved in any way, we make sure our team gets the job done. All necessary compliance documentation, as well as section edits and amendments are a part of the maintenance package that we offer. ​

Why choose EPS? We believe that collaboratively working with you is the key a successful plan. We listen to & understand your needs Big companies may treat all their clients the same. They may use standardized plans that can be applied to all their clients, but at EPS, we believe in the uniqueness of each company. ​ Our experts have one-on-one meetings with our clients to understand their requirements and vision. We plan according to your unique situation Once all the expectations and needs have been communicated, our experts sit together and create a tailored plan for each client. Each team member brings a unique perspective to the table due to their vast experience in the field. We make sure that each plan has a compliance and contingency plan in place. We give quick & effective solutions to all your queries We value the feedback of each client; therefore, all queries are promptly responded to. ​ If you think your plan needs tweaking, we are all ears to your suggestions and we make sure that all our clients get the most out of the retirement plan we have designed for them To ensure that the plan is a perfect fit for the client, we consider cost, tax savings, participation, benefits, and pension law. Email Subject Your message Send Email Thanks for submitting! For queries related to our services contact us today!

Long Term Part Time Employees What Is Changing? 401(k) plans no longer can have a service condition that prevents an employee from making 401(k) salary deferrals if they have worked for your company at least 500 hours for 3 consecutive years. Example: Your 401(k) plan requires employees to complete a year of service (1,000 hours) before they are eligible to participate. You hired a part-time employee on 1/1/2021 who works 700 hours per year. Assuming this employee meets all other eligibility conditions, he or she will be eligible to make 401(k) deferrals begin ning on 1/1/2024 (assuming your plan is using a calendar year plan year). ​ Beginning in 2025, this requirement changes to cover employees who have worked for your company at least 500 hours for 2 (instead of 3) consecutive years. Employees who do not meet the normal 1,000-hour year of service requirement, but do meet this new minimum service requirement are called “Long-Term Part-Time Employees” or LTPTEs. Any non-service conditions, such as excluding hourly employees, salaried employees, interns, or highly-compensated employees, are still permitted as long as it is not a “disguised service condition”. Exclusions of “part-time employees” and “seasonal employees” generally are considered to be service conditions, and therefore are subject to the new rules. ​ What Are Your Options? You generally have two options, each with pros and cons outlined below: ​ 1. Keep the plan’s existing service condition except that anyone who meets the LTPTE definition is allowed to make 401(k) salary deferrals to the plan. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2. Modify the plan’s existing service condition to ensure all employees are able to make 401(k) salary deferrals before they meet the LTPTE definition. ​ Pros Limits number of part-time workers eligible for the plan, which reduces administration cost and small account balances. Ensures nondiscrimination testing and top heavy minimum contributions are not impacted. Cons Must track hours and ensure LTPT employees are identified and offered enrollment timely. Due to complexity, errors are more likely to occur requiring corrections and increasing costs. LTPTEs must earn vesting service for each year they work at least 500 hours. If your plan has a vesting schedule, these employees will vest in any company contributions much more rapidly than other participants unless you accelerate vesting for the full-time participants. Pros Simplifies administration by permitting a single eligibility criteria (or easier to administer criteria), which may avoid errors in the future. Complex eligibility and accelerated vesting rules applicable to LTPTEs will not apply to the plan; participants will be treated uniformly for plan-purposes. Cons May impact nondiscrimination testing, particularly if the plan is not a safe harbor plan. If the plan is safe harbor, this may increase required company contributions. May increase number of accounts, which may increase audit/administration costs. LTPTE-EPS.pdf

Annual Limits For any participant born after 1974, the maximum dollar amount of employee Pre-Tax and/or Roth After-Tax 401(k) contribution is $23,000 . For any participant born in 1974 or earlier, an additional $7,500 “catch-up” contribution may be made, for a total Pre-Tax and/or Roth After-Tax 401(k) contribution of $30,500 . The annual compensation limit has been increased from $330,000 to $345,000 for plan years beginning in 2024. Annual Limits 2024.pdf

Our Clients I'm a Paragraph. Click me to add your own text and edit me. It’s easy. Just click “Edit Text” or double click me and you can start adding your own content and make changes to the font. It’s easy. Just click “Edit Text” or double click me. It’s easy. Just click “Edit Text” or double click me. CLIENT STORY // 01 I'm a paragraph. Click here to add your own text and edit me. It’s easy. Just click “Edit Text” or double click me and you can start adding your own content and make changes to the font. Feel free to drag and drop me anywhere you like on your page. I’m a great place for you to tell a story and let your users know a little more about you. ​ This is a great space to write long text about your company and your services. You can use this space to go into a little more detail about your company. Talk about your team and what services you provide. Tell your visitors the story of how you came up with the idea for your business and what makes you different from your competitors. Make your company stand out and show your visitors who you are. At Wix we’re passionate about making templates that allow you to build fabulous websites and it’s all thanks to the support and feedback from users like you! Keep up to date with New Releases and what’s Coming Soon in Wixellaneous in Support. Feel free to tell us what you think and give us feedback in the Wix Forum. If you’d like to benefit from a professional designer’s touch, head to the Wix Arena and connect with one of our Wix Pro designers. Or if you need more help you can simply type your questions into the Support Forum and get instant answers. To keep up to date with everything Wix, including tips and things we think are cool, just head to the Wix Blog! CLIENT STORY // 02 I'm a paragraph. Click here to add your own text and edit me. It’s easy. Just click “Edit Text” or double click me and you can start adding your own content and make changes to the font. Feel free to drag and drop me anywhere you like on your page. I’m a great place for you to tell a story and let your users know a little more about you. ​ This is a great space to write long text about your company and your services. You can use this space to go into a little more detail about your company. Talk about your team and what services you provide. Tell your visitors the story of how you came up with the idea for your business and what makes you different from your competitors. Make your company stand out and show your visitors who you are. At Wix we’re passionate about making templates that allow you to build fabulous websites and it’s all thanks to the support and feedback from users like you! Keep up to date with New Releases and what’s Coming Soon in Wixellaneous in Support. Feel free to tell us what you think and give us feedback in the Wix Forum. If you’d like to benefit from a professional designer’s touch, head to the Wix Arena and connect with one of our Wix Pro designers. Or if you need more help you can simply type your questions into the Support Forum and get instant answers. To keep up to date with everything Wix, including tips and things we think are cool, just head to the Wix Blog!

Plan Design Plan Document Preparation & Maintenance Plan Administration & Compliance 401(k)/Profit Sharing Plan Consulting Actuarial Consulting Governmental Form Preparation Merger and Acquisition Consulting Actuarial Consulting Due to the ever-changing economic and finance market, actuarial consulting has become a very valuable part of making any finance related plan. Our team uses advanced data tools in order to forecast risk before any investment is made. With the help of these tools, we offer our clients contingency plans. This gives the retirement plan an edge and the financial outlook of our client more solidity.

Our Clients I'm a Paragraph. Click me to add your own text and edit me. It’s easy. Just click “Edit Text” or double click me and you can start adding your own content and make changes to the font. It’s easy. Just click “Edit Text” or double click me. It’s easy. Just click “Edit Text” or double click me. CLIENT STORY // 01 I'm a paragraph. Click here to add your own text and edit me. It’s easy. Just click “Edit Text” or double click me and you can start adding your own content and make changes to the font. Feel free to drag and drop me anywhere you like on your page. I’m a great place for you to tell a story and let your users know a little more about you. ​ This is a great space to write long text about your company and your services. You can use this space to go into a little more detail about your company. Talk about your team and what services you provide. Tell your visitors the story of how you came up with the idea for your business and what makes you different from your competitors. Make your company stand out and show your visitors who you are. At Wix we’re passionate about making templates that allow you to build fabulous websites and it’s all thanks to the support and feedback from users like you! Keep up to date with New Releases and what’s Coming Soon in Wixellaneous in Support. Feel free to tell us what you think and give us feedback in the Wix Forum. If you’d like to benefit from a professional designer’s touch, head to the Wix Arena and connect with one of our Wix Pro designers. Or if you need more help you can simply type your questions into the Support Forum and get instant answers. To keep up to date with everything Wix, including tips and things we think are cool, just head to the Wix Blog! CLIENT STORY // 02 I'm a paragraph. Click here to add your own text and edit me. It’s easy. Just click “Edit Text” or double click me and you can start adding your own content and make changes to the font. Feel free to drag and drop me anywhere you like on your page. I’m a great place for you to tell a story and let your users know a little more about you. ​ This is a great space to write long text about your company and your services. You can use this space to go into a little more detail about your company. Talk about your team and what services you provide. Tell your visitors the story of how you came up with the idea for your business and what makes you different from your competitors. Make your company stand out and show your visitors who you are. At Wix we’re passionate about making templates that allow you to build fabulous websites and it’s all thanks to the support and feedback from users like you! Keep up to date with New Releases and what’s Coming Soon in Wixellaneous in Support. Feel free to tell us what you think and give us feedback in the Wix Forum. If you’d like to benefit from a professional designer’s touch, head to the Wix Arena and connect with one of our Wix Pro designers. Or if you need more help you can simply type your questions into the Support Forum and get instant answers. To keep up to date with everything Wix, including tips and things we think are cool, just head to the Wix Blog!

Max Contribution Limits & Associated Tax Savings calculator Enter age between 33 and 70 to see how much you can contribute and save in taxes for next 10 years Are you ready to Start a new Retirement Plan and save money? Click the button below to contact us now! info@epusa.net Mail Phone 305-895-4949 Contact US The calculations presented serve as mere illustrations and offer general information rather than tailored legal or tax advice. They are not intended, nor should they be considered as providing legal or tax advice or guidance. It is advisable to consult a tax professional to ascertain the exact amount of your tax credit.

Plan Design Plan Administration & Compliance Our Services Actuarial Consulting Plan Correlation & Government Filing Other Plan Related Services At EPS we understand the intricacies of designing all retirement plans. The rules defined by IRS and the Department of Labour are meticulously followed to make your retirement plan a success. ​ To be ready for retirement is a valued feat at our company. We assure assistance to our employers from the very beginning of any and all administrative programs which include 401(k), mergers, acquisition, actuarial consulting and more.