As part of our professional consulting and management services, Pentec, Inc. provides qualified defined contribution plans. Our administrators and consultants are experts in the following defined contribution plans: 401(k) Savings and Investment Plans 403(b) Plans including new comparability plans Profit Sharing Plans Money Purchase Plans

Pentec, Inc. provides consulting and actuarial services relative to the ongoing administration of these plans. We help you designand implement a plan customized to meet your objectives. We monitor your plans to keep them update for legislative changes, and we provide general plan administration with include:

The preparation of annual returns/reports for submission to the proper governmental regulatory authorities; The completion of annual actuarial valuations and reports, including: The reconciliation of reported assets and employee census, The determination of Plan's compliance with minimum participation and coverage requirements as well as the non-discrimination requirements of the applicable sections of the Internal Revenue Code, The allocation of employer contribution(s) and forfeitures(s), The review of the Internal Revenue Code, Section 415 limitations to insure allocations do not exceed these parameters, The allocation of earnings and/or losses among individual accounts, and The determination of vested and non-vested portions of each individual's account; The determination of the recommended and required annual employer contribution to the Plan and the maintenance of the Minimum Finding Standard Account; The maintenance of participant loan accounts; and The preparation of individual employee benefit statements.

Contact Information:

Pentec, Inc. 72 Queen Street PO Box 653 Southington, CT 06489 Phone: (860) 628-2555 Fax: (860) 628-5155

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