401(k) Administration in Denver, CO
Denver employers do not usually have a 401(k) problem — they have an unassigned-responsibility problem. The recordkeeper holds the money, the advisor picks the funds, and the plan document quietly names the business owner as plan administrator. That signature is where the personal liability sits. Admin316 takes it: we are appointed as your ERISA 3(16) plan administrator and 402(a) named fiduciary, we run the compliance calendar, and we sign and file the Form 5500.
Colorado added a state-run retirement mandate, so a lot of Denver employers started a 401(k) quickly to opt out — and quickly-started plans are the ones with the thinnest documentation.
What we take over for a Denver plan sponsor
| Responsibility | Typical arrangement | With Admin316 |
|---|---|---|
| Named plan administrator in the document | The business owner or HR director | Admin316, appointed in writing |
| Form 5500 signature and filing | Owner signs whatever the TPA prepares | We prepare, sign and file it |
| Participant notices and disclosures | Scattered between HR, payroll and recordkeeper | Tracked and delivered on the statutory calendar |
| Eligibility, entry dates, vesting | Spreadsheet maintained by whoever is available | Monitored against the plan document each payroll |
| Compliance testing and corrections | Discovered late, corrected under pressure | Run early, corrected through EPCRS/VFCP when needed |
| Distributions, loans, QDROs, force-outs | Owner approves and hopes it matches the document | Reviewed and approved as fiduciary |
Why Denver employers call us
Technology, aerospace and engineering
Equity and bonus compensation plus fast hiring distort testing and push plans past the audit threshold.
Construction and outdoor-industry manufacturing
Seasonal crews and rehires make service crediting, entry dates and deposit timing the recurring findings.
Cannabis-adjacent, hospitality and food service
High-churn hourly workforces make long-term part-time eligibility and notice delivery the hardest part of the year.
Professional services and healthcare practices
Owner-heavy censuses make top-heavy and coverage testing the design driver.
The three findings that generate the most sponsor pain, in every state: late deferral deposits (the DOL treats employee money not deposited as soon as administratively feasible as a prohibited transaction), missed deferral opportunities for newly eligible or long-term part-time employees, and Form 5500 filings that do not reconcile to the trust statement. All three are correctable — and all three are cheaper to fix voluntarily than to be found with.
How onboarding works
Questions Denver plan sponsors ask
4639 Corona Dr #26, Corpus Christi, TX 78411 · serving Denver and the Front Range
Hours: Monday–Friday, 8:00 a.m.–5:00 p.m. Central
Phone: (361) 271-1211 · Independent ERISA fiduciary since 1997
Also serving Aurora, Lakewood, Boulder, Centennial, Littleton, Fort Collins and Arapahoe and Jefferson Counties.
