A Note Regarding COVID-19

Our Services

  • Retirement plan services

    401(k) and Profit Sharing Plan

    One of the most popular and common types of company-sponsored retirement plans available today, a traditional 401(k) plan allows participants to reduce their current taxable income levels by deferring pre-tax income into the plan. Those contributions enjoy tax-deferred savings until withdrawn at retirement.

  • Cash Balance Retirement Pension Plans

    There are two general types of pension plans — defined benefit plans and defined contribution plans. A cash balance pension plan is a pension plan under which an employer credits a participant's account with a set percentage of his or her yearly compensation plus interest charges.

  • 403(b) Plans

    Falling under the auspice of ERISA and Non- ERISA plans, a 403(b) plan offers a means for employees of non-profit organizations - sometimes referred to as 501(c)3 organizations - to defer pretax income into a tax-deferred retirement savings account.

  • Plan Terminations

    Once a company has decided to terminate its employee retirement plan, it is necessary to complete the administration of the plan and ensure terminations are completed in compliance with ERISA and IRS requirements as quickly as possible.

  • Special Project Staffing

    Special Project Staffing Coming Soon..

  • DOL Audit Guide

    Every year the Department of Labor (DOL) and the Internal Revenue Service’s (IRS) Employee Plans Compliance Program (EP) perform thousands of audits of employee benefit retirement plans.

  • Compliance Resolution

    Even the IRS and DOL recognize that mistakes can happen. If a plan sponsor finds that their plan is not in compliance, there are several programs available that the Ryding Company can assist you with, to help correct problems and bring the plan back into compliance.

  • Plan Sponsor Workshops

    The Ryding Company places a high value on education, and we don’t just focus on our employees! Currently, we offer an in-depth, six-hour workshop that focuses on the complexities of administering 401(k) and 403(b) plans.

  • Annual Plan Reviews

    Don’t forget to invite Julie Tucker to your Annual Plan Review! As the financial advisor, you can focus on investments, and Julie will highlight plan design and compliance.

  • 3(16) Fiduciary Services

    ERISA Section 3(16) states the definition of “Plan Administrator” as responsible for the daily operation of the plan. A Plan Administrator under ERISA 3(16) is identified in the Plan Document and if the Plan Document is not specific, the Plan Sponsor is considered to be the 3(16) fiduciary.

401(k) and Profit Sharing Plan

401k Retirement Plans

A company 401(k) plan for your employees is one of the most popular and common of company-sponsored retirement plans available today. They can be a great way to encourage your employees to save for their retirement as they allow your team members to put money aside in a tax-deferred plan. READ MORE

Cash Balance Retirement Pension Plans

Cash Balance Retirement Pension Plans

There are two general types of pension plans — defined benefit plans and defined contribution plans. Defined benefit plans provide a specific benefit at retirement for each qualified employee, while defined contribution plans specify the amount of contributions to be made by the employer READ MORE

Meet with Professionals

Ryan J. Pedroza

President/Chief Executive Officer, ERPA, QPA, APA

(801) 391-5785

1. I love spending time with my Family. 2. Love the Steelers. 3. Love coaching Football
Danielle Sesock

Senior Vice President of Sales, ERPA

(805) 267-2935

1. I love spending time with my Family. 2. Love the Steelers. 3. Love coaching Football
Phillip S. Packard
RVP of Sales and Client Relations, Hawaii, CBC

(808) 585-1510

Holly Nickels
Chief Financial Officer

(805) 267-2911

SOME IMPORTANT STATISTICS

Let us Help you

Years in Business
Average Years of Experience In the Industry
Current Plan Participants
Over $3.3 Billion in Plan Assets

Current Areas We Serve

Current Areas We Serve
If you’re outside one of these areas, give our main office line a call and we’ll connect you to the correct department
“I just wanted to take a moment to give HUGE thanks and appreciation for Stephanie and all her hard work, great attitude and customer service. It is rare these days to receive a high quality of customer service, you certainly have this with her and I wanted you to know! JOB WELL DONE STEPHANIE.”
– Jen Carafelli Office Manager, AAA Development, Inc.
“Just wanted to shoot you a note to let you know that Danielle is fabulous to work with. Consistently on top of things and goes beyond the required to help out. I wanted to make sure that she was recognized for her wonderful work because sometimes the little things ….”
– Tyler G., FM Financial Services, Inc.
“We appreciate your firm’s professionalism, knowledge and politeness. You always answer our questions promptly and clearly, and we feel confident that the administration of our company savings plan is in good hands. Thank you.”
– Robyn P., Vision Mechanical Services

It’s time to make sure your future is waiting for you when you’re ready for it.

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