Integrated Pension Design

What Integrated Pension Design does

Integrated Pension Design, Inc. is a privately held, boutique actuarial consulting firm incorporated in New York that delivers retirement plan administration and consulting services to U.S. businesses ranging from sole proprietors to companies with over 1,000 employees. Founded in 1985 by a former NASA mathematician from the Apollo 14 mission, the firm has operated for nearly four decades with a focus on personalized, custom plan design rather than standardized offerings. Its service portfolio spans four interconnected lines: plan design and implementation (initial consultation, custom plan documents, IRS determination support); plan administration (both defined contribution plans such as 401(k), Safe Harbor, and Profit Sharing, and defined benefit plans such as Traditional DB and Cash Balance); annual compliance testing and government reporting (ADP/ACP testing, IRS Form 5500 preparation, PBGC filings, Summary Annual Reports); and ongoing consulting (strategic reviews, audit support, plan corrections, mergers and terminations).

The firm operates from two physical offices — Long Island (East Northport) and New York City — supported by a toll-free number for clients outside New York. Its technology stack consists of specialized compliance and administration software for nondiscrimination testing, benefit calculations, trust accounting, and government reporting; no proprietary platform, AI capabilities, or public API surface is disclosed. Revenue is generated entirely through professional services on a quote-based pricing model, with prospective clients requesting proposals via the company website. The go-to-market motion is consultative and sales-led, relying on the firm's reputation, referrals, and the personal touch of its actuarial team rather than any formalized marketing or channel program. Customer segmentation is horizontal by size tier, with a particular emphasis on business owners and key employees seeking sophisticated plan structures that exceed standard contribution limits.

Name

Integrated Pension Design

Legal name

Integrated Pension Design, Inc.

Website

https://intpen.com

Company type

Private

Founded year

1985

Operating status

Operating

Headcount range

1–10 employees

Short description

Integrated Pension Design is a New York-based boutique actuarial consulting firm, founded in 1985, that provides custom retirement plan design, administration, compliance testing, and consulting for 401(k), profit sharing, defined benefit, and cash balance plans to U.S. businesses from sole proprietors to 1,000+ employee companies.

Ownership category

akta.pro rank

Product category

Retirement Plan Administration and Actuarial Consulting

NAICS

Insurance and Employee Benefit Funds (5251), Accounting, Tax Preparation, Bookkeeping, and Payroll Services (5412)

SIC

Investment Advice (6282), Services-Management Consulting Services (8742)

akta.pro primary industry

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)

akta.pro secondary industries

Corporate Retirement Plan Advisory RIAs (ERISA 401(k)/403(b)) (FSAAACAF), Pensions & Retirement Benefits Administration (BPAIAKAA)

Keywords

• Retirement plan administration
• Actuarial consulting
• 401(k) plan services
• Defined benefit plans
• Qualified plan compliance

Headquarters

HQ city

East Northport

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Retirement Plan Administration Services: Full-service administration for defined contribution plans (401(k), Safe Harbor, Profit Sharing) and defined benefit plans (Traditional DB, Cash Balance), including recordkeeping, participant tracking, funding calculations, and compliance support.
2. Actuarial Consulting Services: Expert consulting services including strategic plan reviews, plan amendments, mergers and terminations, IRS and DOL audit support, benefit studies and projections, compliance resolution services, and plan redesign consulting.
3. Plan Design & Implementation Services: Initial plan design consultation, custom plan document preparation, IRS determination letter support, and participant communication materials for new plan implementations or plan takeovers from other providers.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels1 record

Core offering

Integrated Pension Design is a boutique actuarial consulting firm that administers and consults on qualified retirement plans for U.S. businesses. Its core work spans designing custom 401(k), Safe Harbor 401(k), profit sharing, traditional defined benefit, and cash balance plans, administering day-to-day plan operations (eligibility, contributions, vesting, distributions, participant statements), running annual nondiscrimination and top-heavy testing, preparing IRS Form 5500 and PBGC filings, and providing ongoing strategic consulting including audit support, plan amendments, mergers, terminations, and complex compliance corrections.

Product overview

Integrated Pension Design offers a comprehensive suite of retirement plan services through its core platform of four interconnected service lines: Plan Design & Implementation (covering initial consultation through plan document preparation), Plan Administration (managing both defined contribution and defined benefit plans), Annual Compliance Testing & Government Reporting (handling IRS/DOL/PBGC requirements), and Consulting Services (strategic reviews, audit support, and plan corrections). The company specializes in customized plan design, offering specific plan types including 401(k), Safe Harbor 401(k), Profit Sharing, Traditional Defined Benefit, and Cash Balance plans—all administered through personalized actuarial and consulting services tailored to each client's unique goals.

Differentiator

Problem solved

Functional benefit

Products and services

• Plan Design & Implementation Comprehensive retirement plan design and implementation service for businesses establishing a new qualified plan or taking over a plan from another provider. Includes initial consultation, custom plan design, plan document preparation, IRS determination letter support, and participant communication materials.
• Plan Administration Full-service ongoing administration for both defined contribution plans (401(k), Safe Harbor, Profit Sharing) and defined benefit plans (Traditional Defined Benefit, Cash Balance). Covers eligibility tracking, contribution allocation, trust accounting, vesting calculations, distributions, and participant statements.
• Annual Compliance Testing & Government Reporting Annual compliance testing and government reporting service covering nondiscrimination testing, IRS Form 5500 preparation, contribution deductibility calculations, Top-Heavy and coverage testing, ADP/ACP testing, PBGC premium filing, and Summary Annual Report preparation.
• Consulting Services

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves4 records

Expansion highlights3 records

Direct peers

• Mercer: Global consulting firm with a substantial retirement and actuarial consulting practice serving corporate plan sponsors—competes head-to-head with IPD on plan design, compliance, and consulting engagements for mid-market employers.
• Milliman: Major actuarial consulting firm with a dedicated retirement practice providing plan design, funding valuations, and compliance support—directly comparable to IPD's actuarial consulting and DB plan administration services.
• TAG Resources: Mid-sized third-party administrator providing retirement plan design and administration for small businesses—closely comparable to IPD in scale, service mix, and target customer.
• Ascensus: Largest independent retirement plan administrator in the U.S., offering 401(k), 403(b), and defined benefit plan administration and consulting for small-to-mid-sized employers—directly overlapping IPD's core service mix and customer segment.
• July Business Services: Independent TPA providing retirement plan administration, compliance testing, and consulting for small-to-mid-sized employers—a like-sized peer competing in IPD's core market.
• Aon (Retirement Solutions): Aon's retirement consulting practice provides actuarial, plan design, and compliance services to corporate plan sponsors—comparable to IPD's consulting pillar, though at materially larger scale.

Broad incumbents

• Fidelity Workplace Investing: Fidelity's workplace retirement division is one of the largest 401(k) recordkeepers serving employers of all sizes, including small businesses—a broad incumbent against which IPD competes for DC plan administration business.
• Paychex Retirement Services: Paychex bundles 401(k) administration with payroll and HR for small businesses—directly competes for IPD's small-business segment but with a tech-enabled, integrated stack that IPD does not match.
• Empower Retirement: One of the largest U.S. retirement plan recordkeepers serving small-to-mid-sized employers with 401(k) and related services—overlaps IPD's DC plan administration offering but at much larger scale and with broader investment capabilities.
• Principal Financial Group: Large retirement plan provider offering recordkeeping, administration, and consulting for small-to-mid-sized businesses—competes with IPD across the full DC/DB plan administration stack.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/integrated-pension-design

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Integrated Pension Design