National Pension Consultants, LLC - Qualified Plan Design & Administration

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2435 Route 6
Brewster, NY 10509

phone: (845) 278-4700
fax: (845) 278-2109

Our Affiliations

ASPPA Member

NAACI - National Association of Actuaries and Consultants


Welcome to National Pension Consultants, LLC

National Pension Consultants, LLC has been offering creative plan design, proactive consulting, compliance implementation and administrative services since 2002. We are committed to providing these services to our clients in a timely, accurate and cost effective manner.

Our benefit professionals are dedicated to helping employers implement retirement plans that promote corporate goals and objectives, control costs and provide the best possible solutions in an ever changing regulatory environment.

National Pension Consultants Principals Lorraine Kelly, Stephen Mosso and Michael Donahue along with their team of talented actuarial and administrative staff take the confusion out of plan administration duties and decision making by providing our clients with the consulting and technical expertise they need. We are committed to maintaining state of the art computer systems and applications for administrative procedures which permits us to process our clients work more efficiently and ensures the highest standards of quality.

Our Services

We design, implement and administer retirement and employee benefit plans with the understanding that each client needs a plan that meets their goals for retirement. Because we are a full service consulting and administration firm, partnering with us ensures that the needs of you and your employees will be met. We offer a full range of employee benefit plan services. Including but not limited to:

  • Plan Design and Implementation
  • Defined Contribution Plan Recordkeeping & Administration
  • Defined Benefit Plan Actuarial Services & Administration
  • Annual Compliance Testing & Government Reporting
  • Consulting Services


Our newsletter covers topics of interest to retirement plan sponsors and their advisors. Every other month another online newsletter, called Benefit Insights®, is added to our newsletter library.

Click the topic below to read the newsletter.

Newsletter Topic Date
Automatic Enrollment is on the Rise
Protect Your 401(k)
Spring 2019
It's Testing Season!
Know Your Options
The 401(k) Turns 40
Winter 2019
Hardships Get a Little Easier
Helping Hands
'Tis the Season
Port in the Storm
Fall 2018
The Retirement Income Gap
Helpful Hints for Plan Sponsors
Summer 2018
Who is an Employee?
HSA vs 401(k)
Spring 2018
Navigating Distributions
Under the New Tax Law
Winter 2018
End of the Year Checklist
iWork: The Next-Gen Workforce
December 2017
Fiduciary Rule Round Up
Houston, We Have a Problem...
September 2017
Retirement Plan Rx June 2017
Benefit Communications in an Electronic World April 2017
Dealing with Uncashed Distribution Checks and Missing Participants February 2017
Rules and Taxation of 401(k) Distributions December 2016
Keeping Abreast of Plan Loan Rules October 2016
DOL Issues New Fiduciary Rule August 2016
Fun with Forfeitures June 2016
A Fresh Look at Your Form 5500 Filing April 2016
Part-Time Employees in 401(k) Plans February 2016
Determining Retirement Plan Compensation December 2015
A Plan Fiduciary's Responsibilities October 2015
The IRS is Back with Some Brand New Corrections August 2015
The Right Combination for Your Retirement Plan July 2015
The Best Plan to Drive Your Retirement Needs June 2015
Automatic Enrollment for 401(k) Plans April 2015
Timing is Everything February 2015
Year-End Compliance Testing Overview December 2014
Hardship Distributions from 401(k) Plans October 2014
The Ultimate Plan Sponsor Checklist August 2014
Ready or Not, Here it Comes...the PPA Plan Restatement June 2014
The Continuing Evolution of the Safe Harbor 401(k) Plan April 2014
Boomerang Employees: Rehires and Retirement Plans February 2014
Down with DOMA December 2013
How Do You Spell Relief? E-P-C-R-S October 2013
Cross-Testing: The Right Tool for Many Jobs August 2013
Under Control or Out of Control June 2013
When Good Loans Go Bad April 2013
Don't let Missing Participants and Small Balances become a Big Problem February 2013
The IRS Meets Letterman December 2012
How to Survive a Visit from the IRS or DOL October 2012
Top Heavy Impact on 401(k) Plans August 2012

Contact Us

If you would like to learn more about National Pension Consultants, LLC and the services we offer – please contact us at

    © 2017 Benefit Insights, LLC