Senior DC Plan Administrator — Fully 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

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.