Affordable 401(k) Audits—Fast, Accurate, ERISA-Compliant
Surprised you need a 401(k) audit? You’re not alone. We make it simple—with clear pricing, expert guidance, and on-time filings.
Use our 401k audit pricing tool for a free quote and schedule a free consultation today
Why your plan may need an audit
If your 401(k) plan has 100+ eligible participants, ERISA typically requires an annual audit. Some smaller plans may also benefit from a voluntary review to confirm compliance and protect participants’ savings.
Why it matters
- Avoid penalties: Late or inaccurate filings can trigger steep DOL penalties.
- Ensure accuracy: Catch and correct contribution, eligibility, and distribution errors.
- Demonstrate fiduciary care: Build trust with employees and stakeholders.
Not sure whether you cross the threshold or qualify for the 80–120 participant exception? We’ll check that for you during your free consult.
What you get with CMR Associates
- ERISA-Compliant Audits (including ERISA §103(a)(3)(C) audits when applicable)
- Form 5500 & Schedules Support to meet filing deadlines
- Operational Review for eligibility, contributions, match/true-up, loans, and distributions
- Risk & Controls Assessment to flag prohibited transactions and process gaps early
- Clear Findings & Action Plan so you know exactly what to fix, and how
- Expert Guidance on plan design changes and ongoing compliance
How it works (simple 4-step process)
- Scope & Quote: Use our 401(k) audit pricing tool for an instant estimate.
- Kickoff: Secure PBC (“Provided-By-Client”) checklist and data room setup.
- Testing & Review: We perform financial and compliance testing and coordinate with your recordkeeper/custodian.
- Deliver & File: Final report, management letter, and support for your Form 5500 filing.
Typical timeline: We align to your filing date and keep you moving with weekly updates.
Pricing
We’re built for value: fixed-fee, transparent pricing with no surprises.
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Why companies choose CMR
- Specialized 401(k) audit expertise with efficient remote delivery
- Nationwide service across diverse industries
- Partner-level attention without the big-firm overhead
- Proven track record in retirement plans, IRS resolution, and strategic tax
Founded in 2014 by Charles Renwick, CPA, CMR Associates serves clients across 31 states with a distributed team that delivers speed, quality, and savings.
What we need from you (PBC checklist highlights)
- Plan documents & amendments
- Prior year audit (if applicable) and 5500
- Annual census, payroll files, and contribution data
- Recordkeeper and custodian reports
- Loan, eligibility, and distribution support
(We’ll provide a streamlined checklist and secure portal.)
401k Audit – Frequently Asked Questions
Generally, plans with 100+ eligible participants need an annual audit. There’s also an 80–120 participant rule that can allow plans hovering near 100 to keep their prior filing status—ask us to review your participant counts and filing history.
We perform ERISA-compliant audits, including ERISA §103(a)(3)(C) audits when appropriate, coordinating directly with your recordkeeper and custodian.
Most audits complete in a few weeks once we receive your PBC items. We’ll map milestones to your filing deadline and give weekly status updates.
Yes—our team supports Form 5500 and related schedules so your filing is complete and on time.
You’ll receive clear findings with practical fixes. We can also help you implement corrections and tighten processes.
We offer fixed-fee pricing based on plan size and complexity. Use the quote tool for an instant estimate.