PENSION SERVICES

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Retirement plan experts who speak English

When it comes to retirement plans there are many options to choose from.

We'll design an Employee Benefits plan that's tailored for your needs. For Example:

Defined Benefit Plans

401(k) Plans

Profit Sharing Plans

Money Purchase Plans

Target Benefit Plans

Employee Stock Ownership Plans (ESOP)

We can also work with you to discuss the design, funding, and administration of your Health and Welfare Benefit plans. At Metro, we understand that no two companies are exactly alike. We'll work with you and the other members of your team to set up a plan that's customized to meet your needs. And we'll keep that plan running smoothly, making appropriate changes as time goes by.

The first thing we'll do is take the time to learn about your business.

While we possess extensive retirement plan expertise, the most important expertise--the knowledge of your business-- resides with you. We can design an almost limitless variety of employee benefit plans. And we can explain the basics in a short time. But first we need to learn about your business.

So we'll ask you questions. What are your goals and priorities? Are you trying to:

Reward Certain Employees

Create Work Incentives

Minimize Turnover

Attract Key Employees

Minimize Taxes

Adapt Rapid Growth?

And we'll listen to your answers to find out who you are and where you're going. Only then will we dip into our expertise and design a custom plan.

We'll make sure your plan is implemented smoothly.

We'll prepare and file the appropriate plan documents, and we'll obtain IRS and Department of Labor approval on your behalf. Of course, we'll supply Summary Plan Descriptions for your employees to read. But we can also talk to your employees. Because nothing solves problems like understanding. If your employees understand the plan up front, you're not likely to have problems down the line.

Our Administrative Services will keep you up to date.

Where will we be down the line? Right there with you--to ensure that everything runs smoothly and your plan continues to meet your needs.

You'll always know the status of your plan.

You'll receive easy-to-read Management Reports. Metro will take care of discrimination testing to make sure your plan meets all IRS requirements. And, of course, we'll prepare the appropriate government forms on a timely basis.

And your employees will always know where they stand.

Every time you receive an Allocation Report or Actuarial Valuation, they'll receive participant statements explaining the benefits they've earned. For example, in the case of a 401(k) defined contribution plan, their statements will tell them how much they've saved, how much the company has contributed on their behalf, and how much of that contribution is vested. They'll know everything they need to know.

We'll keep your plan humming so it will never be out of date.

Of course, we'll make sure the government receives everything it needs (in language it understands) to keep your plan in good working order. We'll fine-tune your plan so that it steers smoothly through an ever-changing regulatory maze. We'll make any structural changes necessary to accomodate changing corporate goals. And we'll explain it all to you. (In English, of course.)

We'll keep you up to date on new developments in Employee Benefits.

Every quarter, you'll receive our newsletter. Just a few pages of readable, useful (and occasionally amusing) information about changing practices and laws. It'll keep you up to date on what's coming down the pipeline and what, if anything, you should do.

Our services are designed to make your life easy and worry free.

Metro Benefits' consulting practices are guided by your desires and your peace of mind. We meticulously design plans to meet your goals. We take great pains to make sure that your plan runs smoothly--so that you won't have to worry about plan administration.

We'll meet with you because we believe that periodic face-to-face meetings allow us to keep up with your changing needs.

And, as regulations change, we'll keep you informed - suggesting plan revisions in the comfort of foresight, not the crisis of retrospect.

Together we'll explore new ideas and concepts.

So we can help you continue to provide the kind of employee benefits plan that will help insure a solid foundation for your company's growth.

What should you do?

If what you've read makes sense to you, give us a call. We'll be happy to answer questions and provide additional information.

Better yet, invite us to come and see you in person. That way you'll get to see how we work. And how we can work for you!

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Retirement plan experts who speak English