THE
GO-TO WORKPLACE
401(k) + 403(b) RESOURCE
FOR SMALL BUSINESSES, MEDIUM-SIZED COMPANIES, SELF-EMPLOYED AND NON-PROFITS
20
Years of ERISA Knowledge
98%
Client Retention
300+
Clients & Partners
100+
Annual Hours Saved by Employers
WHAT WE DO
Strategic Consulting
& Compliance Administration
As a strategic partner, we work with corporations and nonprofit 501(c)(3) organizations to navigate ever-changing retirement plan rules. From customized plan design to innovative consulting and government reporting, we help keep your plan competitive, streamlined, and compliant.
HOW WE DO IT
Expertise + Focus + Collaboration
At NESA, we simplify retirement planning with a blend of industry expertise and a collaborative approach. We work closely with your HR team, financial advisor, recordkeeper, and payroll provider to ensure a seamless, compliant, and optimized plan. From design to administration, we handle it all, making retirement solutions easy and effective for your business or organization.
①
We get you set up
We get to know your business or organization, design or re-design your plan, show how NESA works, and gather everything we need from you.
②
We do the heavy lifting
We manage day-to-day operations of your plan and provide ongoing consulting, so you can focus on what matters most.
③
We deliver your annual package
Each year we perform the required non-discrimination testing, prepare government forms, and deliver the annual administration package "signature-ready."
CLIENTS AND PARTNERS
Join Hundreds of Clients + Parters Who Trust NESA
We partner with small businesses and nonprofits that are shaping their communities and investing in their employees’ futures. Our client partners share a commitment to making a difference and ensuring their hard-working people are set up for long-term financial success.
We greatly appreciate NESA’s expertise, creativity and guidance. My organization haven’t looked back since we started working with NESA! True retirement plan experts. Mizan and his team always go above and beyond. We are a very happy client.
David Garcia, Executive Director
Society of St. Vincent de Paul
I’m so fortunate to have made Mizan and his team’s acquaintance. In the many years we have worked together, I continue to admire their experience, responsiveness, and proactive support. My clients welcome this type of relationship. It gives them comfort in knowing their guidance is consistent and on-going.
Ed Albrecht, Investment Advisor
Financial Pointe
The start-up process was a breeze, and I can count on NESA to work collaboratively with me to find quick and creative solutions whenever I need their assistance. I can relax knowing that our retirement plan is managed by Mizan and his team. I give them my highest recommendation!
Talia Emery, President
BeAlluring Remedy Skin + Body
FAQs
Still Have Questions About NESA?
Because 401(k) and 403(b) plans aren’t exactly a “set it and forget it” deal. There are nondiscrimination tests to pass, fiduciary responsibilities to uphold, and government forms to file—just to name a few. That’s where we come in.
At NESA, we live and breathe retirement plans, handling the complexities so you don’t have to. Not only does this help keep your plan fully compliant, but it’s often more cost-effective than managing everything in-house. Bottom line? You get more time to focus on what you do best while we take care of the rest.
We are students of the profession. Our staff have either earned multiple credentials from the IRS and American Society of Pension Professionals (ASPPA) or are currently working toward earning their credentials. We are one of the only few in the country to have the ERPA designation from the IRS which allows us to talk to or represent our clients in front of the IRS and DOL. Current credentials include:
- Enrolled Retirement Plan Agent (ERPA): Provided by the IRS, allows us to represent our clients in front IRS or DOL.
- Qualified Pension Administrator (QPA): Provided by ASPPA, shows general expertise with retirement plans.
- Qualified 401(k) Administrator (QKA): Provided by ASPPA, shows expertise with 401(k) plans.
- Tax-Exempt & Governmental Plan Consultant (TGPC): Provided by ASPPA, shows expertise in nonprofit space, such as 403(b) and 457(b) plans.
You bet! We prepare your signature-ready Form 5500. Additionally, NESA Plan Consultants will submit/file the forms with the DOL on your behalf. We also prepare the Summary Annual Report for each client. This service is included in our annual fee.
Offering a retirement plan can be a win-win for both businesses and organizations and their employees. Research shows that when employees feel they are on track for a meaningful financial future, they have greater job satisfaction and loyalty to their organization. And for employers offering a 401(k) or 403(b) has shown to help attract and retain top talent.
What’s more, businesses starting a new plan are eligible for various tax credits and those providing matching contributions are also eligible for tax deductions. Win-win for everyone involved, wouldn’t you agree?
Small businesses can take advantage of three key tax credits to offset retirement plan costs:
- Startup Credit – This credit enhances the existing start-up credit by covering 100% (up from 50%) of qualifying expenses, up to $5,000 per year, for eligible employers.
- Auto-Enrollment Credit – Employers who add automatic enrollment to their retirement plan can claim a tax credit of $500 per year for up to three years.
- Employer Contribution Tax Credit – A newly introduced credit that rewards employer contributions. Businesses can receive tax credits of up to $1,000 per eligible employee per year for five years.
Credit Amounts Based on Business Size:
- Businesses with 50 or fewer employees – 100% credit for qualifying expenses, up to $5,000 annually for three years.
- Businesses with 51 to 100 employees – 50% credit on the first $10,000 of qualifying expenses, capped at $5,000 annually for three years.
At NESA, we believe financial advisors and CPAs are the unsung heroes of a great retirement plan—and we’re here to make their lives easier too. We handle the heavy lifting on plan design, compliance, and administration, so they can focus on guiding their clients. Need custom reports? We’ve got them. Compliance questions? Consider them answered. Whether it’s streamlining contributions, maximizing tax benefits, or ensuring a seamless experience, we work hand-in-hand with advisors and CPAs to keep everything running smoothly. Think of us as the behind-the-scenes support team that helps everyone shine.
NESA works closely and directly with auditors to streamline the audit process, saving valuable time for employers/plan sponsors every year. Because NESA and the auditor speak the same 401(k) or 403(b) language, the collaboration is seamless, ensuring an efficient and effective audit experience. This is a service we provide at no additional cost.
An audit is generally required for 401(k) and 403(b) with 100 or more participants with account balances at the beginning of the plan year.