Reyes Luz Email and Phone Number

Benefits Analyst for over 10 years in the defined contribution and health and welfare fields.Experienced in the following areas:Administration of defined contribution plans, including determination of benefit payments and minimum distribution amounts;Annual valuation and allocation of balance forward defined contribution plans;Processing of distributions and loans;Preparation of annual reporting forms 5500 and required schedules for qualified plans and health and welfare plans;Annual compliance testing to ensure compliance with the minimum coverage rules of IRC Section 410(b), the top-heavy rules of IRC Section 416, minimum participation rules of IRC Section 401(a)(26), the limitations on contributions and benefits under IRC Section 415, the non-discrimination rules of IRC Sections 401(k), 401(m) and 401(a)(4);Provide assistance to clients in filing for compliance under the DOL and IRS resolution programs with regard to plan operational failures and fiduciary violations;Provide assistance preparation of summary plan descriptions (SPDs) and summary of material modifications (SMMs);Provide assistance in filing for favorable determination letters with the IRS;Provide assistance in cases of plan audits performed by the DOL and IRS;Provide assistance in cases of plan terminations including filing with the IRS.

Benefits Analyst for over 10 years in the defined contribution and health and welfare fields.Experienced in the following areas:Administration of defined contribution plans, including determination of benefit payments and minimum distribution amounts;Annual valuation and allocation of balance forward defined contribution plans;Processing of distributions and loans;Preparation of annual reporting forms 5500 and required schedules for qualified plans and health and welfare plans;Annual compliance testing to ensure compliance with the minimum coverage rules of IRC Section 410(b), the top-heavy rules of IRC Section 416, minimum participation rules of IRC Section 401(a)(26), the limitations on contributions and benefits under IRC Section 415, the non-discrimination rules of IRC Sections 401(k), 401(m) and 401(a)(4);Provide assistance to clients in filing for compliance under the DOL and IRS resolution programs with regard to plan operational failures and fiduciary violations;Provide assistance preparation of summary plan descriptions (SPDs) and summary of material modifications (SMMs);Provide assistance in filing for favorable determination letters with the IRS;Provide assistance in cases of plan audits performed by the DOL and IRS;Provide assistance in cases of plan terminations including filing with the IRS.