The full spectrum of qualified plans, administered independently.
401(k), safe harbor, cash balance, 403(b), profit sharing, and Solo 401(k). We design them, administer them, and keep them compliant. No investment sales, no recordkeeper affiliation, no bundled products.
Based in Chicago · Serving the Midwest · Available nationally
The full spectrum of qualified plan administration
TPA People, Inc. administers every major type of qualified retirement plan, from the simplest startup 401(k) to sophisticated cash balance combinations. We don’t sell investments or push proprietary products. We design, administer, and maintain plans that work for the people inside them.
Whether you’re an employer looking to attract and retain talent, a financial advisor building a book of retirement plan business, or a self-employed professional maximizing your tax-advantaged savings, the right plan structure makes a measurable difference. We’ll help you find it.
401(k) / Safe Harbor 401(k)
The foundation of most employer-sponsored retirement programs. A Safe Harbor design eliminates the most burdensome annual discrimination testing while allowing key employees to maximize contributions. Ideal for businesses of any size that want a compliant, low-maintenance plan with meaningful employer matching.
Start a 401(k)
Launching a retirement plan for the first time? We guide employers through plan design, document preparation, recordkeeper selection, and IRS compliance from day one. SECURE 2.0 tax credits can offset startup costs for eligible small employers, often making the first three years effectively free.
Move My 401(k)
Leaving an employer, closing a business, or consolidating old accounts? We administer rollover plans for individuals and businesses transitioning from one plan to another. Rollovers done correctly protect tax-deferred status and preserve your options. Rollovers done incorrectly create taxable events and penalties. We make sure it is done correctly.
Solo 401(k) / MEAP
The highest-contribution retirement vehicle available to self-employed individuals. Through our proprietary MEAP program, we deliver professionally administered Solo 401(k) plans to sole proprietors, 1099 contractors, and single-member LLCs, with contribution limits that can exceed $72,000 annually.
Learn more →Cash Balance Plan
A defined benefit plan that pairs naturally with a 401(k) to dramatically increase pre-tax contributions for high-earning owners and key employees. Cash balance plans are complex to design and administer, and that is exactly the kind of work we do every day.
403(b) / 457(b)
Qualified plan administration for nonprofit organizations, schools, and government entities. These plans carry unique compliance requirements that differ meaningfully from private-sector 401(k) rules. We know the difference.
Profit Sharing / 409A
Flexible, discretionary contribution structures that allow employers to reward employees based on company performance. We handle plan design, allocation formulas, and annual compliance.
Digital Payroll Integration
Digital payroll is not a plan type, it is a capability. TPA People, Inc. works with payroll providers to streamline contribution remittance, reduce administrative burden, and eliminate the manual errors that cause compliance headaches. Ask us about your current payroll setup when you request a consultation.
Ready to build, fix, or move a retirement plan?
Let’s talk. Tell us where your plan stands today and we’ll tell you, straight, what good administration looks like from here.