AI-Powered TPA Services

Retirement plan administration used to be personal.

You knew your TPA. They knew your business. When you had a question, you picked up the phone and spoke with someone who actually understood your plan.

The downside? Everything was manual.

Reports were rebuilt by hand. Data was copied between spreadsheets. Routine tasks consumed hours of work that clients ultimately paid for.

As the industry evolved, many providers solved the efficiency problem by centralizing service. Work became distributed. Ticket systems replaced relationships. In some cases, administrative functions moved offshore. Today, many firms are layering artificial intelligence on top of those same processes—while charging much the same fees they’ve always charged.

We think there’s a better way.

Mission Retirement Consulting combines modern technology with experienced human oversight to bring back the best parts of the traditional TPA model: responsiveness, accountability, and real relationships.

Technology handles repetitive tasks.

Experienced professionals review the work, solve problems, and guide important decisions.

You shouldn’t pay professionals to copy numbers between spreadsheets.

You should pay them to solve problems.

What Does “AI-Powered” Actually Mean?

It does not mean your 401(k) is run by a chatbot.

It means we use modern tools to eliminate repetitive administrative work so experienced professionals can spend more time focused on what actually matters:

• Compliance and testing
• Strategic planning
• Contribution modeling
• Reviewing unusual situations
• Answering your questions
• Solving problems before they become expensive mistakes

Every deliverable receives human oversight.

No exceptions.

Pricing

Annual Administration: $2,295

Includes:

• Annual compliance testing
• Form 5500 preparation
• Participant notices
• Government filing support
• Cross-testing and contribution modeling
• Reasonable testing iterations
• Distribution and loan guidance
• Ongoing administration support

Pricing includes plans with up to 20 eligible employees.

Additional participants: $8/month per participant

One-time implementation fee may apply: $750–$1,500, depending on plan complexity.

Small plan accommodations may be available for businesses with fewer than 15 employees.

Provider Agnostic

Already have a provider you like?

If your recordkeeper allows independent TPAs to work with the plan, we’ll work with them.

We’re not interested in creating disruption simply to move your business onto a preferred platform.

Some providers restrict who can service their plans. If that’s the case, we’ll explain your options upfront.

If your current arrangement works, we’d rather improve the experience than force a change.

Is an Independent TPA Always the Right Answer?

No.

Independent administration often provides greater flexibility, customization, and a more personalized service experience.

But that doesn’t mean it’s the right fit for every employer.

Businesses with straightforward plan designs, larger internal HR teams, or competitively priced bundled arrangements may find that a bundled solution offers excellent value.

We’ll tell you what we think—even if the answer isn’t us.

Our job isn’t to sell independent TPA services at all costs.

Our job is to help you determine which approach makes the most sense for your business.

Transparent Compensation

Retirement plan fees shouldn’t require detective work.

Any revenue sharing associated with administration is either turned off or credited back to the plan whenever possible.

If we’re being paid, you’ll understand how much, how it’s calculated, and what you’re receiving in return.

We believe better technology should improve service and reduce costs—not simply increase provider profits.

Who We Help

Our services are often a good fit for businesses with 5 to 150 employees, including those who:

• Are starting a new 401(k) plan
• Feel frustrated by slow response times
• Aren’t sure what they’re paying their current providers
• Want an experienced point of contact who knows their plan
• Need more flexibility than a one-size-fits-all approach
• Value transparent pricing and practical advice

As organizations grow, the right solution may evolve.

We’ll help you figure out what that looks like.

Need More Than Administration?

If you’re evaluating providers, benchmarking fees, reviewing investments, or looking for fiduciary guidance, learn more about our 401(k) Advisory Services.

Because sometimes the problem isn’t administration.

Sometimes it’s making sure your entire retirement plan is working the way it should.

Let’s Talk

Whether you’re starting a new plan, reviewing your current arrangement, or simply wondering if you’re getting value for what you’re paying, we’re happy to have a conversation.

No pressure.

No canned sales presentation.

Just practical advice from someone who’s spent more than 25 years helping employers navigate retirement plans.

Because modern technology should make retirement plans easier.

Not more impersonal.

The same payroll data driving your paychecks is often driving your 401(k) contributions, eligibility tracking, employer match calculations, compliance testing, and annual reporting.

So when payroll gets messy, the retirement plan often gets messy too.

You just don’t see it right away.

Sometimes the damage doesn’t show up until year-end testing.

Sometimes it shows up during an audit.

Sometimes it shows up when an employee complains.

By then, nobody remembers where the problem started.

The Real Question

If payroll makes a mistake that affects your 401(k), who’s responsible?

Payroll?

The recordkeeper?

The TPA?

The advisor?

You?

Most business owners don’t know.

That’s the problem.

What I Do

I help business owners figure out:

• What’s actually broken
• Whether payroll is causing downstream 401(k) issues
• Who owns what
• What needs fixing
• Whether changing providers is worth it

Sometimes the answer is changing vendors.

Most of the time it isn’t.

Most of the time you just need someone looking at the entire system instead of one piece of it.

Before You Blow Everything Up

If you’re frustrated with payroll, let’s figure out whether the problem is:

• The payroll provider
• The 401(k) provider
• The advisor
• The TPA
• The process itself

Sometimes the culprit isn’t who you think it is.

And sometimes a payroll problem is really a retirement plan problem wearing a fake mustache.

📞 619-942-4510

✉️ jason@missionretirementplans.com

Here’s what most business owners don’t realize until something goes sideways:

When a mistake happens—wrong match setup, missing notices, late filings—your payroll provider is going to put up their hands and say:

“That’s not on us. You’re the plan sponsor.”

They’re not entirely wrong. But they also didn’t explain the rules, didn’t check the data, and didn’t tell you where the landmines were.

That’s where I come in: to spot problems before they happen, clean up the ones already in motion, and give you a plan that doesn’t rely on luck or autopilot.