Business Details
41 Years
experience
Expert Retirement Plan Services for Small Employers
Limestone Pension Associates was founded in 1985 by Robert E. Smith to provide specialized retirement plan solutions for small employers. Our firm focuses on custom plan design, consulting, and administration for businesses seeking to establish or enhance qualified retirement programs. We serve clients ranging from single-participant plans to organizations with thousands of employees, emphasizing long-term relationships built on trust and expertise. Our services include plan documentation, actuarial certifications, compliance testing, and government filings like Form 5500. We maintain independence by not offering investment advice or holding plan assets, ensuring unbiased guidance tailored to employer objectives.Our team collaborates with CPAs, legal professionals, and investment advisors to streamline retirement plan management for clients. We prioritize direct client access, prompt communication, and education to help businesses understand and optimize their retirement programs. With decades of experience, we specialize in advanced plan structures like New Comparability Profit Sharing while maintaining flexibility for standard designs. Our service model adapts to nationally recognized 401(k) platforms and trustee-directed investment approaches. Headquartered in Wilmington, Delaware, we deliver personalized administration through dedicated plan specialists who develop deep familiarity with client operations.
Services
401(k) Plan Design
Defined Benefit Plans
Compliance Testing
Government Filings
Actuarial Certification
Details
- Year established: 1985
Highlights and features
- We have 40+ years of experience in qualified retirement plan administration
- Our team provides direct access to plan specialists who know your program
- We maintain independence by not offering investment advice or holding assets
- We specialize in advanced plan structures like New Comparability Profit Sharing
- Our service model adapts to both national 401(k) platforms and trustee-directed plans
Services
401(k) Plan Design
Custom 401(k) plan design tailored to employer objectives, including Roth and Safe Harbor options. Our specialists develop structures that align with business goals while maintaining compliance with IRS regulations. We provide ongoing support for plan modifications as businesses evolve.
Defined Benefit Plans
Comprehensive defined benefit plan administration including actuarial calculations and funding strategies. We handle complex compliance requirements and annual valuation processes to ensure regulatory adherence while optimizing retirement benefits for business owners and employees.
Compliance Testing
Thorough coverage and nondiscrimination testing for qualified plans. Our experts ensure plans meet IRS requirements through precise calculations and documentation, including top-heavy testing and corrective contribution analysis to maintain tax-qualified status.
Government Filings
Complete preparation of Form 5500 series filings and 1099-R tax reporting. We manage annual government submissions with accuracy and timeliness, including audit support and correction program participation to maintain regulatory compliance.
Actuarial Certification
Professional actuarial certifications for plan funding requirements and benefit calculations. Our specialists perform precise valuation analyses to support defined benefit plans, ensuring mathematical accuracy and regulatory compliance for annual reporting obligations.
People
Christopher Maradie
QPA, QKC, QKA
Certified retirement plan specialist with expertise in qualified plan administration and compliance. Provides technical guidance for complex plan structures and client education initiatives.
Bradbury Arnold
Esq.
Legal expert specializing in retirement plan documentation and regulatory compliance. Offers specialized knowledge in plan design and fiduciary responsibilities.
Jeanne Schanzenbach
QPA, CPC, ERPA
Certified professional with extensive experience in plan administration and government reporting requirements. Focuses on compliance testing and client service coordination.
Questions
What types of retirement plans do you specialize in?
We work with 401(k) plans, defined benefit programs, cash balance plans, and profit-sharing arrangements including New Comparability designs.
Do you work with small businesses only?
Our focus is on small employers but we handle plans ranging from single participants to thousands of employees.
How do you maintain independence?
We don't provide investment advice or hold plan assets, ensuring unbiased recommendations for retirement plan solutions.
What compliance services do you provide?
We handle coverage testing, nondiscrimination analysis, top-heavy determinations, and all required government filings including Form 5500.
How are client relationships structured?
Each plan is assigned a dedicated administrator who develops specialized knowledge of your business and retirement program.
What geographic areas do you serve?
While based in Delaware, we serve clients nationwide through our flexible service model.
