Retirement Plan Consultant Combo Plans

DEFINITI LLC • Erie, PA

3d • Remote

About The Position

The Retirement Plan Consultant (RPC) Combo Plans is responsible for day-to-day management of an assigned caseload of 130–150 Defined Benefit, Cash Balance, and 401(k) combination plans, serving as the single point of contact for assigned clients. The role supports plan administration and compliance, including interpreting plan provisions, preparing trust accounting, conducting annual compliance testing, and preparing and filing Form 5500 and related schedules. The consultant works closely with an assigned Actuarial Analyst and Consulting Actuary.

Definiti is a national retirement services company that helps clients manage and administer retirement plans. It describes itself as remote-first, with most roles fully remote, and supports professional growth through training and industry credentials and certifications. Remote employees are expected to work productively from a suitable home office, stay available during designated local business hours, and use virtual-meeting and file-sharing tools to collaborate with colleagues.

Requirements

• High school diploma or GED.
• 401(k) plan compliance-testing experience.
• At least 3 years of retirement industry experience in financial services operations.
• Broad knowledge of the retirement plan industry.
• Ability to understand plan documents, including Basic Plan Documents, Adoption Agreements, Summary Plan Descriptions (SPD), amendments, Summary of Material Modifications (SMM), and annual notices.
• Ability to understand the annual plan lifecycle, including data collection, eligibility, compliance testing, trust accounting, and Form 5500 preparation and filing.
• Proficiency with Microsoft Office applications.
• Demonstrated excellence in written and verbal communication.
• Detail-oriented, strong organizational skills, and solutions-oriented approach.
• Understanding of requirements for QDRO support.
• Willingness to obtain the ASPPA QKA designation or NIPA equivalent.
• Ability to build rapport remotely and work productively with limited in-person interaction.
• Access to a reliable, consistently strong, high-speed internet connection suitable for remote work.
• Ability to designate a quiet, well-lit workspace with as few distractions as possible.
• Availability during designated business hours in the employee’s local time zone.
• Accustomed to using Microsoft Teams or similar virtual-meeting applications for video meetings and chat.
• Accustomed to using file-storage and file-sharing tools such as Microsoft SharePoint.

Nice To Haves

• Bachelor’s degree.
• Experience with Cash Balance and Defined Benefit plans.
• ASC software experience; equivalent software such as Datair may be considered.
• Familiarity with Microsoft Teams is a plus.

Responsibilities

• Manage an assigned caseload of 130–150 combination plans, primarily Cash Balance/401(k) plans, and serve as the single point of contact.
• Accurately interpret and apply plan document provisions.
• Ensure compliance with Department of Labor and IRS requirements.
• Prepare and review 401(k) Plan Trust Accounting.
• Conduct annual compliance testing for assigned clients, including 402(g), 415(c), 410(b), ADP/ACP, plan limits, and Top Heavy testing.
• Prepare and file Form 5500 and related schedules.
• Work closely with the assigned Actuarial Analyst and Consulting Actuary.

Benefits

• 401(k) with up to a 4% employer match.
• Flexible PTO that does not accrue.
• 12 paid holidays and 2 paid floating holidays.
• Birthday holiday.
• Paid parental leave.
• Medical, dental, and vision plan options, including company-subsidized premiums.
• Company-paid life insurance.
• Company-paid short-term disability insurance.
• Bonus plan eligibility.
• Virtual-first work philosophy for most jobs.
• Professional growth support through comprehensive training and industry credentials and certifications.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED