Business Details
Your Trusted Partner for Customized Retirement Plan Solutions
Journey Retirement Plan Service was founded on the principle of transforming retirement plans from burdens into strategic benefits. With over 50 years of combined experience in qualified retirement plan servicing, our team specializes in creating customized 401(k), 403(b), 457, and defined benefit plans tailored to evolving business needs. We prioritize building strong client relationships, leveraging modern technology through accessible participant and sponsor portals, and maintaining strict IRS compliance.Our approach combines personalized service with innovative solutions, ensuring businesses of all sizes receive transparent pricing and expert guidance. As an independent third-party administrator, we focus on unbiased recommendations, seamless payroll integrations, and comprehensive supportfrom plan design to ongoing compliance management. Our mission is to simplify retirement planning while delivering exceptional value to clients and their employees.
Services
401(k) Plan Design
Compliance Management
Participant Services
Accounting Services
Sponsor Portal Access
Highlights and features
- We offer over 50 years of combined experience in qualified retirement plan servicing.
- Our tech-driven participant and sponsor portals provide seamless retirement plan management.
- We specialize in IRS-compliant, custom-tailored retirement plans for businesses of all sizes.
- Our transparent fee structure ensures affordability without hidden costs.
- We maintain proven partnerships to deliver cutting-edge retirement strategy innovations.
Services
401(k) Plan Design
We specialize in creating customized 401(k) plans tailored to business needs. Our designs maximize contributions, ensure IRS compliance, and adapt to changing regulations. Clients receive unbiased recommendations and ongoing support to optimize retirement benefits for employers and employees.
Compliance Management
Our compliance experts ensure retirement plans meet federal regulations. Services include annual testing, 5500 filings, and document amendments. We monitor evolving laws to maintain plan qualification status and protect clients from penalties through proactive management.
Participant Services
We provide direct support to plan participants through online portals, distribution assistance, and educational tools. Our services include loan processing, enrollment guidance, and personalized communication to help employees make informed retirement decisions.
Accounting Services
We handle accounting for 401(k), profit-sharing, and defined benefit plans. Services include contribution processing, participant statements, and financial reporting. Our streamlined processes ensure accuracy and transparency in managing retirement plan assets.
Sponsor Portal
Our digital sponsor portal offers employers real-time plan management capabilities. Features include payroll integrations, compliance tracking, and document access. This tool simplifies administrative tasks and enhances communication between businesses and their retirement plan provider.
People
Nicolas Pospiech
President
Nicolas founded Journey RPS after 16 years in retirement plan administration. He holds an ASPPA QKA designation and previously led retirement services for a Grand Rapids firm. He oversees operations and consulting services for partners.
Annette Leech
Director Of Compliance
Annette manages compliance for all plan types, including 401(k) and defined benefit plans. She specializes in government filings, daily operations, and plan document amendments to ensure regulatory adherence and client satisfaction.
Miles Leech
Director of Innovation & Workflow
Miles leads technology development, including participant portals and reporting systems. He streamlines processes to make retirement plans accessible for small and medium businesses while maintaining industry-leading innovation standards.
Rashel Pospiech
Contributions & Training Specialist
Rashel processes contributions for 401(k) and 457 plans. She manages new enrollments and creates training materials to ensure accurate payroll integration and effective communication for plan sponsors.
Questions
What retirement plans do you specialize in?
We specialize in 401(k), 403(b), 457, profit-sharing, and defined benefit plans. Our services include custom design, compliance management, and ongoing administrative support tailored to business needs.
How do you ensure plan compliance?
We monitor federal regulations, perform annual testing, file IRS Form 5500, and update plan documents. Our compliance experts proactively address regulatory changes to maintain qualification status and avoid penalties.
What technology tools do you offer?
We provide participant and sponsor portals for real-time access, seamless payroll integrations, and custom reporting systems. These tools simplify plan management for employers and enhance participant engagement.
Do you serve small businesses?
Yes, we offer affordable solutions for small and medium businesses. Our streamlined processes and transparent pricing ensure accessible retirement benefits without compromising quality or compliance.
How do I start a retirement plan?
Contact us for a consultation. We'll assess your business needs, recommend a plan design, handle setup, and provide ongoing support to ensure your retirement plan meets regulatory requirements and employee needs.
