Designed. Administered. Defended.
VFG TPA Services LLC designs and administers qualified retirement plans for businesses across the country, from solo 401(k)s to multi-hundred-participant plans, with the same hands-on team at every size.
What We Handle
Plan Design
401(k), Roth, Safe Harbor, 403(b), profit sharing, and defined benefit and cash balance plans, matched to your workforce and tax picture.
Annual Administration
Census processing, contribution calculations, reconciliations, participant statements, and required notices.
Compliance & Testing
Nondiscrimination and top-heavy testing, contribution limit monitoring, controlled group analysis, and Form 5500 preparation and filing.
Plan Documents
Plan documents, restatements, amendments, summary plan descriptions, and required disclosures.
Cash Balance & Owner-Focused Plans
Cross-tested and combination designs built to maximize owner contributions, with actuarial and PBGC support.
Takeovers & Corrections
Mid-year and year-end plan takeovers, provider transitions, and IRS and DOL correction programs.
Who We Work With
- Business owners who want larger tax-deductible contributions
- Companies starting a first plan, including New Jersey employers with 10 or more employees that must offer a plan or register for RetireReady NJ (threshold lowered from 25 by law signed January 20, 2026)
- Sponsors unhappy with a bundled payroll provider
- Insurance advisors, wealth advisors, recordkeepers, and CPA firms seeking a TPA partner.
Talk to Our Retirement Plan Team
Whether you’re starting a plan, fixing one, or moving one, tell us where things stand.