ERISA Pension Law

The Employee Retirement Income Security Act (ERISA) sets standards of protection for employees enrolled in most retirement plans nationwide.The Brevard County law firm of Frese, Whitehead, Anderson & Henderson, P.A., advises and assists employers throughout Florida with ERISA law involving retirement plans and pension plans of all kinds. Whether you need to develop pension plans for the physicians in your burgeoning medical practice or you want to ensure that your existing retirement plans are compliant with the ever-changing regulations, we are here to provide the knowledgeable business law guidance you seek.

Defined Benefit Plans Vs. Defined Contribution Plans

While defined employee benefit plans promise to provide a specific benefit amount to retired employees, defined contribution plans are much more diverse. The latter include:

  • 401(k) plans
  • Profit-sharing plans
  • Employee stock ownership plans (ESOPs)
  • Simplified employee pension plans (SEPs)
  • Savings Incentive Match Plans for Employees of Small Employers (SIMPLEs)

With extensive experience in this highly complex area of law, Frese, Whitehead, Anderson & Henderson, P.A.‘s ERISA lawyers are available to assist employers with the following:

  • Designating plan trustees and fiduciaries
  • Providing relevant documents to participants, including a:
    • Summary Plan Description (SPD)
    • Summary of Material Modification (SMM)
    • Individual Benefit Statement (IBS)
    • Automatic Enrollment Notice
    • Summary Annual Report (SAR)
  • Managing vesting, funding and accrual of benefits
  • Establishing a claims and appeals process
  • Completing a Voluntary Fiduciary Correction Program (VFCP) or Delinquent Filer Voluntary Compliance Program (DFVCP)

Contact Us

Call an ERISA and pension law attorney at Frese, Whitehead, Anderson & Henderson, P.A., at 321-984-3300 or contact our Melbourne office online.

To Our Valuable Clients:

The federal government has recently enacted legislation to assist citizens and businesses facing uncertain financial challenges due to COVID-19. We are here to help answer questions and guide you through the details of the various processes to procure financial assistance from our government. The acts are very new and more will probably be coming. But they currently provide for dollar for dollar tax credits for payroll for COVID19 related payroll, cash advances and loans that have tremendously favorable terms and in some cases, total forgiveness of the debt.

Please stay as safe as possible during this terrible crisis and if we can help you with questions about the new federal assistance laws, please contact us.

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