DC Plan Administrator / Consultant (100% Remote)

CPS Inc.; Nashville (TN); Remote; USD 70,000 - 80,000; Full time

Benefits offered by this job

Health insurance

Retirement plan

Fully remote

Job summary

CPS Inc. is seeking an experienced DC Plan Administrator/Consultant to lead full lifecycle retirement plan administration remotely for a book of qualified plan clients. This senior IC role requires owning client relationships and ensuring accuracy and compliance across all deliverables.

You will handle census reviews, testing, filings, and participant reporting while coordinating with sponsors, advisors, and CPAs. Strong communication, Excel proficiency, and independent work are essential.

Qualifications

• 2+ years of full A-to-Z retirement plan administration experience.
• Proficient in ADP/ACP, 401(a)(4), 410(b), top-heavy testing, and employer contribution allocation methods.
• Working knowledge of ERISA, IRS, and DOL regulations governing qualified plans.
• Experience preparing and filing Form 5500 and related schedules.
• Strong plan document reading and application skills.
• Excellent written and verbal communication with sponsors, advisors, and CPAs.
• Strong organizational skills and ability to manage multiple clients and deadlines.
• Proficiency in Microsoft Excel and the Office suite.
• A fully functioning remote work setup.
• Ability to work independently with minimal supervision.

Responsibilities

• Serve as the main contact for clients, including plan sponsors, financial advisors, CPAs, and recordkeeping partners.
• Handle full-cycle annual administration from census review to year-end deliverables.
• Scrub and reconcile census data for accurate testing and valuations.
• Perform annual compliance and nondiscrimination testing (ADP/ACP, 401(a)(4), 410(b), top-heavy, 402(g), 415).
• Calculate employer contributions across allocation methods (pro-rata, permitted disparity, cross-testing).
• Prepare and file Form 5500 and schedules, coordinating with auditors for large plans.
• Prepare valuations, benefit statements, and participant account reporting.
• Review loans and distributions (hardships, RMDs, QDROs) for compliance.
• Interpret plan documents and amendments with internal teams as needed.
• Identify operational failures and recommend corrections via EPCRS (SCP, VCP).
• Assist clients with plan terminations and related compliance.
• Provide required notices and disclosures (safe harbor, SARs, fee disclosures, blackout notices).
• Monitor regulatory developments and advise clients on plan changes.

Skills

Retirement plan administration

ADP/ACP testing

ERISA knowledge

Plan document reading

Client communication

Tools

Excel

PensionPro

FTWilliam

Job description

DC Plan Administrator / Consultant (100% Remote)

Location: Fully remote

Compensation: $70,000 - $80,000

About Us

We\'re an established, independent third-party administrator specializing in the administration and compliance of qualified retirement plans. We pride ourselves on technical depth, long-term client relationships, and a collaborative team. We go beyond software output to truly understand the plans we administer, and we value people who take pride in accuracy, client service, and continuing to grow professionally.

About the Role

We\'re looking for an experienced DC Plan Administrator/Consultant to serve as the primary point of contact for an assigned book of qualified plan clients. This is a senior-level individual contributor role for a technically strong, detail-oriented professional who enjoys owning client relationships and the quality of their work. If you\'ve handled full A-to-Z administration at a TPA and can explain complex concepts clearly to sponsors, advisors, and CPAs, we\'d love to hear from you.

What You\'ll Do

• Serve as the main contact for your clients, including plan sponsors, financial advisors, CPAs, and recordkeeping partners


• Handle full-cycle annual administration, from census review and eligibility determination through valuation, testing, and year-end deliverables


• Scrub and reconcile census data to ensure accurate testing and valuations


• Perform annual compliance and nondiscrimination testing, including ADP/ACP, 401(a)(4), 410(b), top-heavy, 402(g), and 415


• Calculate employer contributions across allocation methods, including pro-rata, permitted disparity, and new comparability/cross-testing


• Prepare and file Form 5500 and related schedules, coordinating with independent auditors on large plan filings


• Prepare valuations, benefit statements, and participant account reporting


• Review loan and distribution requests, including hardships, RMDs, and QDROs, for compliance with plan documents and the Code


• Interpret plan documents and review amendments and restatements, working with legal and internal teams as needed


• Identify operational failures and recommend corrections through EPCRS, including SCP and VCP


• Assist clients with plan terminations and related compliance


• Provide required participant notices and disclosures, such as safe harbor notices, SARs, fee disclosures, and blackout notices


• Monitor legislative and regulatory developments and advise clients proactively on needed plan changes


• Manage your workflow and meet regulatory filing deadlines consistently

What You Bring

• Required: At least 2 years of full A-to-Z retirement plan administration experience


• Proficiency in ADP/ACP, 401(a)(4), 410(b), and top-heavy testing, and in employer contribution allocation methods


• Working knowledge of ERISA, IRS, and DOL regulations governing qualified plans


• Experience preparing and filing Form 5500 and related schedules


• Strong plan document reading and application skills


• Excellent written and verbal communication with sponsors, advisors, and CPAs


• Strong organizational skills and the ability to manage multiple clients and deadlines


• Proficiency in Microsoft Excel and the Office suite


• A fully functioning remote work setup


• The ability to work independently with minimal supervision

Preferred

• Experience with FTWilliam or PensionPro


• Experience administering defined benefit or cash balance combo plans


• Experience with MEP, PEP, or 403(b) plans


• Experience with audited large plan administration

What We Offer

• A fully remote position


• A manageable, well-supported client caseload


• Competitive base salary based on experience and credentials


• A comprehensive benefits package, including health, dental, vision, and retirement contributions


• Long-term stability with a firm that values tenure and promotes from within