Trinity Pension Group

What Trinity Pension Group does

Trinity Pension Group, LLC is a privately held third-party administrator (TPA) of employer-sponsored qualified retirement plans, founded in 1994 and operating as a National Benefit Services affiliate. The company functions as a non-producing TPA — it does not sell investment products or hold securities licenses — and instead focuses on plan design, administration, compliance testing, IRS reporting, distribution processing, and 3(16) fiduciary services delivered through one-on-one consultant relationships. Its service portfolio spans nine plan types including Traditional 401(k), Solo 401(k), Defined Benefit, Safe Harbor 401(k), New Comparability, Money Purchase, Age-Weighted Profit Sharing, Profit Sharing, and Cash Balance plans, supported by a team with over 400 years of combined industry experience and credentials including QPA, QKC, QKA, APR, and ERPA from ASPPA.

The company's go-to-market is sales-led and built on three primary customer segments: financial advisors (who use Trinity as a non-competing partner and bring consultants into client meetings), accounting professionals (who rely on Trinity for plan design and IRS corrections), and business owners (who purchase direct plan administration). Pricing is custom quote-based with multi-year contracts, and distribution is entirely direct — no resellers or distributors. The company serves 650+ clients across the United States with $1.25 billion in retirement plan assets under administration, and is one of fewer than 100 TPAs certified by the Center for Fiduciary Excellence (CEFEX).

The business model is professional services fee-for-engagement: revenue is generated per client based on plan complexity, participant count, and service scope. The team is organized around three Associate Directors (Business Development and two in Compliance Operations) plus senior plan consultants, plan consultants, and consultant support staff. Marketing relies on educational content (Employer Connect video series, annual plan limits, compliance calendars) and professional networking rather than paid advertising. The operating footprint is the U.S. with a mailing address in Kansas City, MO; client contact is routed through phone, email, and web-based channels. There is no mobile app, no public API, no disclosed integrations, and no AI/ML capabilities described in available materials.

Name

Trinity Pension Group

Legal name

Trinity Pension Group, LLC

Website

https://trinity401k.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

11–50 employees

Short description

Trinity Pension Group is a boutique non-producing third-party administrator (TPA) of employer-sponsored qualified retirement plans, founded in 1994 and serving 650+ clients including financial advisors, accounting professionals, and business owners across the United States.

Ownership category

akta.pro rank

Product category

Retirement Plan Third-Party Administration

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

akta.pro industry

PRIMARYFSAAANAC

Employee Benefit & Retirement Plan Trust Services

Financial & Insurance/Asset & Wealth Management/Trust & Fiduciary Services (Trust Companies, Estate & Custody Trusts)

SECONDARYBPAIAKAA

Pensions & Retirement Benefits Administration

Business & Public Services/Public Sector & Government Administration/Social Security, Benefits & Welfare Administration

Keywords

• Retirement plan administration
• Third-party administration
• 401(k) plan services
• Fiduciary services
• Pension plan consulting

Headquarters

HQ city

Jamestown

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. TPA Professional Services: Fees for third-party administration services including plan design consulting, plan administration, annual compliance testing, IRS reporting, distribution processing, and fiduciary services for employer-sponsored retirement plans.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Trinity Pension Group is a non-producing third-party administrator (TPA) that provides retirement plan administration, design, and consulting services for employer-sponsored qualified retirement plans. The firm serves financial advisors, accounting professionals, and business owners with plan design, ongoing administration, compliance testing, IRS reporting, and 3(16) fiduciary services across nine plan types including 401(k), Defined Benefit, and Cash Balance plans.

Product overview

Trinity Pension Group is a non-producing Third Party Administrator (TPA) specializing in employer-sponsored qualified retirement plans. The company offers a unified service portfolio centered on three core offerings: Plan Design & Consulting, Plan Administration, and HR Assist: 3(16) Fiduciary Services. They support over 9 different retirement plan types including Traditional 401(k), Solo 401(k), Defined Benefit, Safe Harbor 401(k), New Comparability, Money Purchase Pension, Age-Weighted Profit Sharing, Cash Balance, and Profit Sharing plans. The company, founded in 1994 and headquartered in Kansas City, MO, serves financial advisors, accounting professionals, and business owners across the country. Their service model emphasizes personalized one-on-one consultant relationships, with a team representing more than 400 years of combined experience. Educational resources include the Employer Connect video library, Annual Plan Limits reference charts, and Compliance & Reporting Calendar. The company holds CEFEX certification from the Center for Fiduciary Excellence.

Differentiator

Problem solved

Functional benefit

Products and services

• Plan Design & Consulting Comprehensive retirement plan design and consulting services including plan installation, document services, HR assistance, plan corrections, mergers, and terminations, leveraging a team with more than 400 years of combined retirement plan experience.
• Plan Administration Full-service plan administration as a non-producing TPA offering annual administration, compliance testing, IRS reporting and consultation, and distribution processing for employer-sponsored retirement plans.
• HR Assist: 3(16) Fiduciary Services Fiduciary services allowing Trinity to assume most administrative responsibilities of operating retirement plans, including overall operational compliance, document compliance, IRS Form 5500 filing, distribution processing, and participant communications. Trinity is one of fewer than 100 TPAs certified by the Center for Fiduciary Excellence (CEFEX).
• Traditional 401(k) Plan Administration Administration of the most popular retirement plan allowing employees to make pre-tax or after-tax Roth contributions through payroll deductions, with employer matching options and catch-up contributions for employees age 50 and older.
• Solo 401(k) Plan Administration Administration for a plan covering one business owner who has no employees, may also cover the business owner's spouse, with the same requirements as other 401(k) plans but different contribution limit methodology.
• Defined Benefit Plan Administration Administration of a plan promising a specified monthly benefit payable at retirement, usually funded entirely by the employer, allowing sheltering more than annual Defined Contribution limits with substantially higher contributions.
• Safe Harbor 401(k) Plan Administration Administration of a 401(k) plan with specific provisions requiring certain employer contribution levels to non-highly compensated employees, eliminating annual nondiscrimination testing requirements.
• New Comparability / Cross-Tested Profit Sharing Plan Administration Administration of a Profit Sharing plan tested for nondiscrimination as though it was a Defined Benefit plan, allowing certain employees to receive much higher contribution allocations than standard nondiscrimination testing would permit.
• Money Purchase Pension Plan Administration Administration of a plan where all contributions are made by the employer with mandatory annual contributions based on a specific formula, unlike discretionary Profit Sharing plan contributions.
• Age-Weighted Profit Sharing Plan Administration Administration of a Profit Sharing plan using an Age-Weighted allocation formula that factors each employee's age and compensation rate, resulting in larger allocations to employees closer to retirement age.
• Profit Sharing Plan Administration Administration of the most flexible qualified plan available with discretionary employer contributions allocated to employees in proportion to compensation, with optional Social Security integration.
• Cash Balance Plan Administration Administration of a type of Defined Benefit plan resembling a Defined Contribution plan, where employee benefits are expressed as a hypothetical account balance receiving annual contribution credits and interest credits.

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Two partnerships are on record, tiered core.

• Center for Fiduciary Excellence (CEFEX)coreOthersCEFEX is an independent organization that certifies companies for fiduciary excellence. Trinity Pension Group is one of fewer than 100 TPAs to receive this certification, demonstrating their compliance with fiduciary best practices including processes, procedures, documentation, account security, and succession planning.
• National Benefit ServicescoreOthersTrinity Pension Group is a National Benefit Services company. National Benefit Services appears to be the parent organization under which Trinity operates, providing infrastructure and brand association.

Scale indicators5 records

Recent moves6 records

Expansion highlights3 records

Broad incumbents

• ADP Retirement Services: Integrated payroll and retirement plan recordkeeper serving small and mid-market employers, bundling 401(k) administration with payroll. Competes for the same business-owner segment Trinity targets but with much broader product suite.
• Fidelity Workplace Investing: Major integrated recordkeeper and plan administrator offering 401(k), 403(b), and defined benefit administration. Direct overlap with Trinity's plan administration services but at vastly larger scale with proprietary technology platforms.
• Ascensus: Largest independent TPA and recordkeeper in the US, serving retirement, education, and health savings plans. Competes with Trinity across multiple plan types but operates at significantly greater scale and product breadth.
• Principal Financial Group: Major recordkeeper and asset manager offering integrated retirement plan services including 401(k), defined benefit, and non-qualified plans. Competes in plan administration but with significantly broader investment and insurance product offering.
• Empower Retirement: One of the largest US retirement recordkeepers serving both employer plans and individual IRAs, with integrated TPA capabilities post-Great-West/PWBA acquisitions. Competes in recordkeeping and plan administration but operates at much larger scale.
• Vanguard (Retirement Plan Services): Large recordkeeper serving both employer-sponsored retirement plans and individual investors. Overlaps with Trinity in defined contribution plan administration, though Vanguard predominantly serves larger plans through its own platform.

Others

• Hub International: Large insurance brokerage and benefits consulting firm with retirement plan services including TPA and advisory offerings. Acts as a broker/consultant channel that often interfaces with TPAs like Trinity and competes indirectly for plan sponsor relationships.

Direct peers

• PenSys: Pension administration software and TPA service provider focused on defined benefit and 401(k) plans. Comparable boutique TPA positioning serving similar plan sponsor and advisor channels.
• Employee Benefits Corporation: Madison, WI-based boutique TPA specializing in retirement plan administration and compliance testing for small and mid-market employers. Closely comparable to Trinity in scale, service model, and target client segment.

Emerging players

• Guideline: Tech-forward 401(k) recordkeeper targeting small and mid-market employers with streamlined onboarding and flat per-participant pricing. Overlaps with Trinity on the small-business owner segment but with a fundamentally different technology-led, low-touch service model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/trinity-pension-group

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

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 Trinity Pension Group