Charles OConnor

Administered high-volume, multi-state LOA and ADA cases from intake through return-to-work.

Partnered with HR, Payroll, vendors, and management to ensure compliance with FMLA, CFRA,

ADA, PDL, PFL, STD, LTD, and USERRA requirements. Maintained audit-ready documentation

and provided guidance to employees and leaders.

Administered day-to-day 401(k) operations including eligibility, enrollments, contributions,

participant transactions, loans, hardships, rollovers, distributions, and employee support. Managed

payroll-to-recordkeeper data integrations and bi-weekly employee file transmissions. Performed

payroll reconciliation and contribution remittance reviews. Coordinated annual Form 5500

preparation and filing activities, including census validation, audit support, and compliance reviews.

Supported ADP/ACP testing, nondiscrimination testing, top-heavy reviews, and plan document

maintenance. Partnered with Fidelity, payroll, HRIS, auditors, and external advisors to maintain

ERISA and IRS compliance.

Managed implementation and onboarding of 30–40 retirement plans simultaneously. Coordinated

plan setup, participant enrollment, payroll integration, asset transfers, and conversion activities.

Reviewed plan documents for 401(k), profit sharing, defined benefit, and multiple employer plans.

Served as liaison between plan sponsors, financial advisors, TPAs, and internal operational teams.

Administered over 70 qualified retirement plans including 401(k), profit sharing, 403(b), ESOP, and

defined benefit plans. Prepared and reviewed Form 5500 filings, Form 5558 extensions,

compliance reports, and supporting schedules. Conducted ADP/ACP, Top Heavy, Coverage,

401(a)(4), 402(g), and 415 compliance testing using ASC valuation software. Reviewed census

data, payroll records, and trust accounting information to ensure compliance and accurate

valuations. Coordinated annual audits with CPAs, actuaries, advisors, and plan sponsors.

Administered loans, hardships, rollovers, RMDs, distributions, and trust deposits while ensuring

compliance with IRS, DOL, and ERISA requirements.