Summary
Overview
Work History
Education
Skills
Timeline
Generic

Jennifer De Freitas

Concord

Summary

Retirement Plan professional with proven ability to manage complex retirement plans. Expertise in plan administration, consulting, client relations, and regulatory compliance, Successfully streamlined administrative processes and enhanced client satisfaction through effective communication and problem-solving.

Overview

36
36
years of professional experience

Work History

Benefits Analyst

Visa
01.2025 - Current
  • Benefits Administrator of company’s retirement plan.
  • Providing support and assistance with administration of company’s defined benefit plan to include benefit calculations, benefit payments and support.
  • Review of retirement plan calculations and packets, set up of distributions with plan record keepers.
  • Support to employees with plan questions and distributions.
  • Internal support with invoices, statement reconciliation and special projects.
  • Assistance with Plan Audit

Retirement Plan Consultant

FuturePlan by Ascensus
02.2022 - 01.2024
  • Assigned Consultant to 115 401(k) retirement plans.
  • Point of contact for Plan Sponsors, financial advisors, and record keepers.
  • Provided daily support and assistance to plan sponsors with plan questions.
  • Facilitated annual data collection, testing results and contributions between plan sponsor and overseas team.
  • Reviewed and filed annual Form 5500’s and extensions.
  • Assisted plan auditors with plan questions and issues, assisted with preparation of Schedule H.
  • Provided review and distribution of annual plan valuation reports, participant statements and annual testing results to plan sponsors.
  • Assisted plan sponsors with Cycle 3 document questions and plan document restatements.
  • Provided plan design review and facilitated amendment requests.

401(k) Compliance Specialist

Human Interest
01.2021 - 02.2022
  • Team Lead for 401(k) Compliance Department.
  • Guided and supported implementation and customer success with document transfer of 2400 401(k) retirement plans.
  • Assisted/ trained Customer Success to assist with client escalations and provided resolutions.
  • Liaison between retirement consultant and customer support and testing team.
  • Compliance resource for outside departments.
  • Assisted in recommending and retention of ERISA counsel for plan issues.
  • Drafted plan amendments and review/training of new staff on documents system.

Retirement Plan Administrator

Relation Insurance Services
01.2018 - 12.2020
  • Preparation of client 401(k), Profit Sharing and Defined Benefit annual valuations; calculation of contributions and distributions; preparation of distribution documentation; reparation of participant loan documents.
  • ADP/ACP testing on 401(k) plans; preparation of annual Form 5500 Return/Report and other government forms 5330, 945 and 8955. Handling of government audits.
  • Calculation of benefit and contribution maximums; plan proposals; problem identification and resolution; client and employee level communications.
  • Preparation of plan documents for DB/DC combo and 401(k).
  • Internal reviewer of annual plan valuation deliverables and plan document restatements.

Employee Benefits Trust Administrator

Mechanics Bank Wealth Management
01.2013 - 01.2018
  • Client contact and administrator of employee benefit accounts including Defined Benefit, 401(k) and ESOP’s.
  • Provided day to day administration of company’s defined benefit plan to include benefit calculations, benefit payments, account reconciliations and plan audit.
  • Knowledgeable of regulatory compliance as required by ERISA, DOL and IRS.
  • Experienced in plan audit, 5500 and PBGC filings.
  • Review of retirement plan calculations and plan amendments.

Assistant to Plan Administrator

Northern California Pipe Trades
10.2007 - 04.2012
  • Conducted and successfully implemented search for new custodial service provider.
  • Reviewed and redrafted company policy & procedure and HIPAA compliance manual.
  • Served as senior reviewer of pension department Taft Hartley retirement plans benefit calculations, appeals and accounting.

Assistant to Plan Administrator

Carpenter Fund Administrative Office of Northern California
09.2002 - 06.2007
  • Assisted with support of Taft Hartley Multi-Employer retirement plan.
  • Provided education to staff employees regarding their 401(k) benefits plan.
  • Responsible for implementation of new 401(k) service provider, including staff communications, on-site education meetings and compliance notices.
  • Resource to Plan Administrator on compliance issues.
  • Attended quarterly Board of Trustee meetings and prepared minutes.

Pension Compliance Specialist

The Segal Company
10.1995 - 05.2002
  • Client contact for actuarial and employee benefits consulting firm.
  • Responsible for client retirement plan administration and compliance Taft Hartley Retirement Plans.
  • Restated plan documents for IRS favorable determination, prepared plan amendments and updated client Summary Plan Description.
  • Peer review of plan restatement.
  • Peer review of benefits calculations.
  • Kept clients advised of legislative changes affecting retirement plans.

Sr. Pension Consultant

Trust Fund Administrators, Inc.
11.1989 - 12.1994
  • Processed retirement applications and 401(k) distributions; processed employer contributions and trust accounting for Taft Hartley multiemployer retirement plans.
  • Assisted plan participants with health & welfare benefits, COBRA and open enrollment.
  • Training and supervision of new staff.

Education

Associate of Arts Degree -

City College
San Francisco, CA
01.2001

Skills

  • Datair
  • FT Williams Documents
  • Microsoft Excel
  • Benefits administration
  • Benefits explanation
  • Documentation and reporting
  • Termination procedures
  • Problem-solving
  • Form 5500 preparation
  • Department of labor regulations
  • Distributions oversight
  • Loan administration
  • Plan document interpretation
  • Non-discrimination testing
  • Trust accounting
  • Organizational skills

Timeline

Benefits Analyst

Visa
01.2025 - Current

Retirement Plan Consultant

FuturePlan by Ascensus
02.2022 - 01.2024

401(k) Compliance Specialist

Human Interest
01.2021 - 02.2022

Retirement Plan Administrator

Relation Insurance Services
01.2018 - 12.2020

Employee Benefits Trust Administrator

Mechanics Bank Wealth Management
01.2013 - 01.2018

Assistant to Plan Administrator

Northern California Pipe Trades
10.2007 - 04.2012

Assistant to Plan Administrator

Carpenter Fund Administrative Office of Northern California
09.2002 - 06.2007

Pension Compliance Specialist

The Segal Company
10.1995 - 05.2002

Sr. Pension Consultant

Trust Fund Administrators, Inc.
11.1989 - 12.1994

Associate of Arts Degree -

City College

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Jennifer De Freitas