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ERISA Expertise LLC

Software Development & Training Services for Advisors and Plan Service Providers

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We Provide ERISA Expertise

ERISA Expertise empowers retirement, financial services and investment professionals, and retirement plan service providers with tools and technology to sell, administer and communicate qualified retirement plan benefits and features.

  • CE/CPE/CLE accredited consultative sales training programs and seminars 

  • Web-enabled tools & technology facilitate:

    - secure collection and dissemination of confidential privacy protected information

    - illustration of unprecedented retirement and estate planning opportunities

    - formulation of plan studies

    - drafting of plan documents

    - reporting and disclosure requirements


Plan Limits for 2008 & 2009







401(k) "catch-up"



Defined Contribution



Defined Benefit






Learn more about the 2009 Plan Limits

Pension Protection Act Provides Significant Planning Opportunities

PPA 2006 provides unprecedented retirement and estate planning strategies for small business owners (owner-only employers and employers with 1 to 500 employees) and high net worth individuals.  Retirement planning strategies that permit small business owners to shelter an additional $100,000 or more in their qualified retirement plans at little or no additional cost to fund employee benefits.  Estate planning strategies that permit high net worth individuals to transfer multi-millions to heirs that they receive 100% free of income tax.

The following contribution/benefit maximums are achieved under PPA 2006's new rules for combined plans (results subject to individual employer census):

Cash Balance Profit Sharing/401(k)    Plans


'09 Range of Contribution/Benefit


$49,000 - $101,000


$49,000 - $118,000


$49,000 - $139,000


$54,500 - $172,000


$54,500 - $208,000


$54,500 - $255,000


$54,500 - $268,000

News for March 03, 2021

Milberg quoted in

Forbes '09 Retirement Guide

Revised Limits for 2009

Learn more

Milberg on

About Barry R. Milberg

Roth 401(k) Analyzer V3.0

Free Webinar

Try it Now!

How to Avoid Roth 401(k)

Compliance and Administration Pitfalls

Register Now!

401(k) Deferrals are

"Plan Assets" After 7 Days

Learn more

Tools & Technology

Roth 401(k) Analyzersm

The first and only calculator to provide side-by-side graphic illustrations that compares projected distributions from a taxable pre-tax account (at 3 different tax rates) to tax-free distributions from a Roth account.

More than just a calculator, the Roth 401(k) Analyzer is a report generator tool that permits advisors, HR  profes-sionals, or plan participants themselves to prepare comprehensive analysis reports. Learn more

ERISASFVtm Secure File Vault

The first and only secure file vault designed to address the specific needs and desires of ERISA professionals and retirement plan service providers.

ERISAsfv facilitates secure collection and dissemination of confidential privacy protected information, and large files via the web using SSL encryp-tion to insure a secure environment.  Access to secure files is permitted by user level and file category as specified by the advisor, service provider and/or the client.  Learn more


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: