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Milberg Consulting LLC

Plan Design, Compliance & Administration

Note our new address and
We no longer update all information on this website.
Please contact us if you desire an update
relative to any information provided.

Retirement Plans for Small Businesses

Milberg Consulting LLC provides consulting, compliance and remediation services for employer/plan sponsors of qualified retirement plans.

  • We design retirement plans that save taxes to justify the cost associated with plan establishment, operation and employee benefits.
  • We use technology to deliver on-time and cost effective services.
  • We focus on the distinctive needs of small businesses. Learn more about Qualified Retirement Plans for Small Businesses
  • Our Senior Management's 75+ year combined industry tenure provides assurance that your plan achieves its intended objectives while maintaining its qualified status.

Conversions to Roth IRAs

Starting January 1, 2010, you can convert your pre-tax IRA to a Roth IRA, regardless of your modified adjusted gross income.


Blue Bell, PA (Dec. 28, 2009)-Barry Milberg, 29-year veteran of the pension compliance services industry-announces the launch of a new website to share information and opinions on the news rules for Roth IRA conversions.

Milberg, a nationally recognized expert on qualified retirement plans is quoted on the benefits of the Roth 401(k) in Forbes and Newsweek magazines, the Wall Street Journal, LA Times,, and

Contact Barry R Milberg at:

(800) 965-0988 ext. 101 or

Consulting Services

Qualified Retirement Plan Design Milberg Consulting (MCLLC) conducts comprehensive feasibility and analysis studies to determine the appropriate plan design for each individual client situation.

As opposed to trying to sell you a particular plan or product, our study process helps you focus your needs and objectives for establishing and maintaining a plan. Each study includes:

  • Information on available plan types, benefits and features
  • Commentary on the suitability of certain benefits and features (e.g., inclusion of a loan feature)
  • Optimal Plan design(s) to benefit from tax and retirement savings opportunities available under current law and regulations
  • A “Tax-wise” Plan analysis
  • Comments & recommendations for consideration
  • A fee schedule outlining the cost to establish and maintain the proposed plan(s)

Qualified Retirement Plan Establishment  MCLLC drafts the documents to establish your qualified plan (plan document and trust agreement, summary plan description, plan amendments and plan restatements). When applicable, we prepare the requisite forms to submit the plan to the Internal Revenue Service.

Roth 401(k): Retirement and Estate Planning Opportunities

Starting January 1, 2006, employers may add a Roth 401(k) option to their new or existing plans.  A Roth 401(k) feature permits after-tax salary deferrals by all eligible plan participants, regardless of their adjusted gross income.

Investment income in Roth 401(k) accounts is 100% income tax-free, and qualified Roth 401(k) distributions are 100% income tax-free. Learn more

The Roth 401(k) offers participants benefits never before available; benefits that are now available indefinitely since the Pension Protection Act of 2006 extends Roth 401(k) beyond plan years ending in 2010. Learn more

Learn more about Roth 401(k) at:

News for February 24, 2021

Revised Limits for 2018

Learn more

About Barry R. Milberg

Conversions to Roth IRAs

Solo 401(k) is a "Qualified" Plan Don't Wait to Exceed $250,000 Before Filing Form 5500

Learn more

401(k) Deferrals are

"Plan Assets" After 7 Days

Learn more

Plan Limits for 2017 & 2018







401(k) catch-up



Defined Contrib.



Defined Benefit






Access 2018 Limits Article and Charts

Combined Cash Balance Pension
Profit Sharing/401(k)    Plans


Estimates for 2017


$69,824 - $123,824


$89,452 - $143,452


$114,646 - $168,846


$146,999 - $206,999


$188,553 - $248,553


$241,924 - $301,924


$249,458 - $309,458

Access 2017 Combined Cash Balance Pension and Profit Sharing/401(k) Plans' Maximum Benefits & Contribution Limits

Administration, Actuarial Recordkeeping & Compliance

Annual Services include but may not be limited to:

  • Employee and employer Data Request
  • Administrative Report includes:
    • - Cover Letter and Executive Summary
    • - Trust income statement & balance sheet
    • - Summary of Plan Specifications
    • - Employee Eligibility Determination
    • - Contribution Calculation by Money Type
    • - Allocation of Investment Gains/Losses
    • - Calculation of Vested % and Amount
    • - All 401(k) and Nondiscrimination Testing
    • - Top-heavy, Coverage & Cross-testing
    • - Actuarial Calculations, if applicable
  • Participant Certificates
  • DOL/IRS Form 5500 with all attachments
  • DOL Disclosure to Participants
  • IRS Form 1096/1099-R

Remediation Services  Milberg Consulting also assists employer/plan sponsors with non-compliant plans resulting from failure to comply with the rules and regulations governing qualified plans.

Contact us for additional information on non-compliant plan remediation or relief from fiduciary violations.