Employee Benefits Consultants
- Company typePrivate
- Founded1989
- HeadquartersSt Louis, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
Employee Benefits Consultants firmographics
Firmographics- Name
- Employee Benefits Consultants
- Legal name
- Employee Benefits Consultants, Inc.
- Website
- https://ebenefits-inc.com
- Company type
- Private
- Founded year
- 1989
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Employee Benefits Consultants industry classification
Industry- Product category
- Retirement Plan Administration
- NAICS
- Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)
- SIC
- Services-Management Consulting Services (8742)
- akta.pro primary industry
- Benefits Administration (BPACAPAC)
- akta.pro secondary industries
- Benefits Administration & Enrollment Support (BPAAAIAB), Employee Benefit & Retirement Plan Trust Services (FSAAANAC)
Keywords
Where Employee Benefits Consultants is headquartered
LocationHeadquarters
- HQ city
- St Louis
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Employee Benefits Consultants business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Others
Revenue model
- Third-Party Administration (TPA) Services: Professional services revenue from providing retirement plan design, administration, and compliance services to small and mid-sized businesses. Services include plan consulting, annual administration, non-discrimination testing, and Form 5500 preparation.
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
Employee Benefits Consultants product offering
Product offeringCore offering
Employee Benefits Consultants, Inc. (EBC) is a third-party administrator (TPA) specializing in retirement plan design and administration for small to mid-sized businesses. The firm delivers plan consulting and design, annual administration, non-discrimination testing, Form 5500 preparation, and annual reporting for a portfolio of employer-sponsored retirement plans including Traditional 401(k), Safe Harbor 401(k), Profit Sharing, Defined Benefit, Cash Balance, and 403(b) plans.
Product overview
Employee Benefits Consultants, Inc. (EBC) is a Third Party Administrator (TPA) offering a portfolio of employer-sponsored retirement plans including Traditional 401(k), Safe Harbor 401(k), Profit Sharing, Traditional Defined Benefit, Defined Benefit/Defined Contribution Combo, Cash Balance, and 403(b) plans. The company provides end-to-end retirement plan services encompassing Plan Consulting & Design, Retirement Planning for profit sharing components, Annual Administration, and Annual Reports. EBC operates as a family-owned firm founded in 1989, specializing in serving small to mid-sized businesses with professional, individualized plan design, compliance, and administrative support.
Differentiator
Problem solved
Functional benefit
Products and services
- Traditional 401(k) A qualified retirement plan allowing employees to contribute a portion of their wages to individual accounts, with potential employer matching contributions. Designed and administered by EBC for small to mid-sized business owners.
- Safe Harbor 401(k) A 401(k) plan with automatic enrollment and mandatory employer contributions that satisfies IRS non-discrimination testing requirements.
- Profit Sharing A defined contribution plan where employer contributions are discretionary based on company profitability, allocated among eligible participants.
- Traditional Defined Benefit A pension plan guaranteeing specified retirement benefits based on factors such as salary history and years of service, funded by employer contributions.
- Defined Benefit/Defined Contribution Combo Plan A hybrid plan combining features of both defined benefit and defined contribution plans to provide guaranteed benefits along with individual account flexibility.
- Cash Balance A defined benefit plan that credits participant accounts with pay credits and interest credits, providing predictable retirement benefits similar to a savings account.
- 403(b) A retirement plan for employees of public schools and tax-exempt organizations, similar to a 401(k) but designed for the nonprofit sector.
- Plan Consulting & Design Advisory services including review of company objectives, comprehensive fact finding, analysis of desired benefit levels, consultation with business advisors, and preparation of plan proposals.
- Annual Administration Ongoing administrative support including answering plan questions, serving as liaison between employer and service providers, assisting with distributions and loan processing, and managing yearend procedures including non-discrimination testing.
- Annual Reports Year-end reporting services including plan specifications, employee census, contribution reports, applicable testing, Form 5500 preparation, and Summary Annual Reports for participants.
Companies that use Employee Benefits Consultants
Customer profileSegments1 record
Ideal customer profiles1 record
Employee Benefits Consultants technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Employee Benefits Consultants partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered moderate and core.
- National Institute of Pension Administrators (NIPA)moderateEBC holds membership in NIPA, a professional organization for pension administrators. This membership demonstrates industry standing and provides access to professional development and industry resources.
- CIMA CompaniescoreEBC holds Professional Liability Insurance for Pension Professionals with CIMA Companies, providing error and omissions coverage essential for operating as a third-party administrator.
- Registered Investment Advisors and Brokers NetworkcoreJim Graham, founder and President, has developed professional relationships with Registered Investment Advisors and brokers over many years. This network serves as the primary referral source for new client acquisition, with marketing efforts primarily referral-based.
Scale indicators2 records
Recent moves5 records
Expansion highlights3 records
Employee Benefits Consultants competitors and assessment
Company assessmentDirect peers
- Sentinel Pension Advisors: Boutique retirement plan administration and consulting firm serving small/mid-sized plan sponsors with defined contribution and defined benefit plans. Comparable in niche specialization, plan-type breadth, and target client profile to EBC.
- PenServ Plan Services: Independent retirement plan TPA offering plan design, administration, and consulting for qualified plans. Closely comparable in scale, segment focus (small/mid-market), and family-/founder-led operating model.
- Ascensus: Largest independent retirement plan TPA in the U.S., providing plan design, administration, and compliance services across defined contribution, defined benefit, and IRA products. Most directly comparable in business model — third-party administration of qualified plans — though materially larger and more diversified than EBC.
Broad incumbents
- Empower Retirement: One of the largest U.S. retirement plan recordkeepers and administrators, serving plans of all sizes including small/mid-market through both recordkeeping and TPA functions. Comparable as a competing administrator but at significantly greater scale and with bundled technology.
- Principal Financial Group: Large retirement plan recordkeeper and administrator with significant small/mid-market presence. Comparable in offering full-service plan administration across defined contribution and defined benefit, though operating at meaningfully greater scale.
- ADP Retirement Services: Retirement plan administration bundled with ADP's payroll and HR services for small/mid-sized businesses. Comparable in target market (small/mid employers) and plan types offered, though differentiated by payroll integration and technology stack.
- Schwab Retirement Plan Services: Recordkeeper and administrator for employer-sponsored retirement plans, with strong RIA/broker channel relationships. Comparable as a competing administrator and overlapping referral channel with EBC's RIA-driven GTM, though at much larger scale.
- Fidelity Retirement Services: Major retirement plan recordkeeper and administrator serving workplace plans from small businesses to enterprise. Comparable in serving the same plan-sponsor buyer, but operates at much larger scale and offers integrated investment recordkeeping plus administration.
Others
- Wolters Kluwer Retirement Plan Software: Provider of plan-document, compliance-testing, and Form 5500 software used by many small TPAs (including likely EBC itself). Comparable as a participant in the same retirement-plan administration ecosystem, though as an enabling software vendor rather than a competing TPA.
Emerging players
- Paychex Retirement Services: Retirement plan administration offered alongside Paychex's payroll and HR platform, primarily targeting small businesses. Comparable in small-business client focus and bundling with payroll-adjacent services, though newer and more limited in complex plan types.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Employee Benefits Consultants social profiles
Digital presenceEmployee Benefits Consultants financial estimates
Financial estimateRevenue estimate
Valuation estimate
Employee Benefits Consultants leadership team
Management profileNumber of profiles
Profiles1 record
Employee Benefits Consultants funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Employee Benefits Consultants M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Employee Benefits Consultants
What does Employee Benefits Consultants do?
Employee Benefits Consultants, Inc. (EBC) is a third-party administrator (TPA) specializing in retirement plan design and administration for small to mid-sized businesses. The firm delivers plan consulting and design, annual administration, non-discrimination testing, Form 5500 preparation, and annual reporting for a portfolio of employer-sponsored retirement plans including Traditional 401(k), Safe Harbor 401(k), Profit Sharing, Defined Benefit, Cash Balance, and 403(b) plans.
Is Employee Benefits Consultants a public or private company?
Employee Benefits Consultants is a private company. It is classified as family owned and is currently operating.
When was Employee Benefits Consultants founded?
Employee Benefits Consultants was founded in 1989. It employs 1 to 10 people.
Where is Employee Benefits Consultants based?
Employee Benefits Consultants is headquartered in St Louis, United States, in the North America region.
How does Employee Benefits Consultants make money?
One revenue line is on record: third-Party Administration (TPA) Services.
Who are Employee Benefits Consultants's main competitors?
Direct peers on record are Sentinel Pension Advisors, PenServ Plan Services and Ascensus. Broad incumbents are Empower Retirement, Principal Financial Group, ADP Retirement Services, Schwab Retirement Plan Services and Fidelity Retirement Services. Wolters Kluwer Retirement Plan Software is listed as an others. Paychex Retirement Services is listed as an emerging player.
Does Employee Benefits Consultants have an API?
No public API is recorded for Employee Benefits Consultants.
What industry is Employee Benefits Consultants in?
Employee Benefits Consultants's product category is Retirement Plan Administration. Its primary akta.pro industry code is BPACAPAC, Benefits Administration, with a secondary code of BPAAAIAB, Benefits Administration & Enrollment Support. Its NAICS code is 524292 and its SIC code is 8742.