Our Story & Purpose
At TLC4 Prevailing Wage, we bring over 16 years of specialized experience in retirement planning and prevailing wage compliance. Our team has worked with two leading nationwide retirement plan providers, giving us a broad and insightful perspective on the industry.
Our expertise is further supported by education in compliance from the Department of Labor, ensuring that we adhere to the highest standards of regulatory requirements. We are committed to delivering tailored retirement solutions that meet the unique needs of your business, backed by a deep understanding of both industry practices and compliance standards.
Whether you're a prevailing wage contractor or prefer to avoid public projects, we can design and manage a competitive and compliant retirement plan that aligns with your company’s objectives.
Working With Us
For Public Works Contractors:
There are MANY benefits to implementing a prevailing wage plan. As a contractor working 20% or more on state/federal government work, there are quite a few advantages to the company, employee and owners/highly compensated employees that can assist to move your business forward:
- Save on payroll burden, WC, GL, FICA, FUTA, SUTA
- Fringes help pay for company sponsored employee benefits
- Become more competitive when bidding; WIN more bids!
- Assists with allowing highly compensated/owners to put more money into their 401k
- Employee receives pre-taxed retirement plan
- Compliance is top priority at TLC4 Prevailing Wage, we keep you updated on current legislation/regs
- Level the playing field between union/open shop companies
For those looking for a company retirement plan:
Our 401k plans are the best value for your hard earned dollars, while maximizing your returns
- Ensures your employees receive required notices and educational communications
- Online enrollment
- Auto-enrollment and auto-increase tracking
- Deferral recordkeeping
- Comprehensive IRS/Department of Labor (DOL) plan testing and compliance counseling
- File form 5500
- ERISA 404(c)
"I contracted with Tracy's firm to manage my employee benefits. She is very knowledgeable and knows her business well. I have worked with her in this organization and she is very passionate about her work and is a real joy to be around. You can only improve when Tracy is on your team. "
"Tracy is very personable and a knowledgeable person about the business she is in. She is able to clearly provide the answers to any questions about the Benefit Plan that she promotes. She fully supports her clients as well as the organizations to which they belong. I look forward to continuing to work with Tracy in the future. "
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Membership/Licenses:
--NJ IEC - Independent Electrical Contractors
--LICA NJ Land Improvement Contractors
--State of NJ Life & Health Insurance Producer License