Learn the Success Mantra of Outsourcing & the range of services we provide | Know more about how TPAs reap the benefits of Outsourcing to SandMartin

1. Assisting TPAs for over 20 years
2013

3. 12,000+
10 Million+
Jobs Done
Jobs DoneCafeteria Plan Administration
Retirement Plan Administration
20,000+
1,00,000+
60,000+

4. Retirement Plan Administration
Preparation of
Plan Document
& Restatement
Census Data
Management
Payroll, Loan,
Distribution,
Contribution,
Rollover Processing
Comprehensive
Accounting for all
Plan Activity
Preparation
and Analysis of
various Year End
Compliance Tests
Signature ready IRS
From 5500, applicable
schedules and SAR
Annual report to
Client and Annual
statements to
participants
Other miscellaneous
work including
preparationof1099-R’s,
5558, 8955-SSA, 5330 etc.
In Defined Contribution plans, we have a dedicated team for both Balance Forward and Daily Valuation form of Record
Keeping. We provide end to end solutions to the TPAs making us a “one stop shop” for the entire 401(k) needs of a TPA
withunparalleledexperience&commitment.
PlanDocuments
SandMartin has been preparing Plan Documents for various TPAs'; we can prepare plan documents for Defined
ContributionPlansincludingVolumeSubmitterPlans.WealsoassistTPAs'ontherestatementoftheplandocuments.
Accounting
We do both individual as well as trust accounting for large number of plans depending on the plan type using trust
accounting software's like Trust Me etc. All the inflows and outflows of the plan are accounted for as per the broker
statementsandtheunrealizedgainsandlossesaredetermined.

5. After reviewing the beneficiary form, we also check the vesting schedule,
loans, if any, etc and process the distribution. The relevant tax as well as the
processing fee is taken into consideration while preparing the distribution
amountforthefinalcheck.Wealsopreparethe1099-Rform.
YearEndComplianceTesting
We have been handling the compliance testing for large number of plans as
pertheIRSguidelines.Thevariouscompliancetestsinclude:
· CoverageTest(410b)
· AnnualAdditionLimitationTest(415)
· MaximumEmployerDeductibleContributionTest(404)
· AverageDeferralPercentageTest(ADP)
· AverageContributionPercentageTest(ACP)
· Top-HeavyTest
We also provide the client with the corrective action for the HCEs in case the plan
failstosatisfyanyparticulartest.
IRSForm5500
We prepare signature ready Form 5500 and the applicable schedules for both
largeandsmallplansincludingSARthataredistributedtotheparticipants.
Softwaresused
Wecanworkonany401(k)administrationsoftwarethatisbeingusedbyaTPAs'as
wealreadyhaveproficiencyofworkingonmajorityof401(k)software'smentioned
below:
· SunGardCorbelRelius
· DATAIRPensionSystem
· TRUST.ME
· FTWilliams
PayrollandLoanProcessing
In the Daily Valuation form of record
keeping, we process payrolls for the
plans as per the census submitted by
the client. The census is then verified
and compared against the information
available in the record keeping
software. The participant's eligibility is
checked against the plan specifications
forenteringtheplan.
Allthecontributionsareinvestedasper
the participant direction & the trades
are sent to the broker for settlement.
We also process loans as per the loan
specifications of the plan and reconcile
thesameeverypaycycle.
Distribution
The services offered under this head
include generation of distribution form
& processing of all types of
distributionsnamely:
· Termination
· Hardship
· InService
· QDRO
· RequiredMinimumDistribution
· Death
· Corrective

6. Health and
Dependent Care
Tuition Claims
Commuter Choice Claim

7. l Eligibility Test, 25% Concentration Test, 55% Average
Benefit Test and 5% Owner Test.
Softwares
*All software's logos are the property of their
respective owners and should be treated as such.
We extensively use the Wex Health Platform for our claims processing
services. Having expertise in majority of the claims processing softwares used
in US we also operate on PowerFlow, DataPath, Inter Count, Intacct, Doc
Record,CobraPoint,Prismaswellasseveralothersoftwares.
ClaimsProcessingandAdjudication
WehavebeenhandlingFSA,HRA&HSA
claims for large number of clients. The
processing includes reimbursing out of
pocket claims and adjudicating debit
card transactions. We also generate
participant's check as well as denial
letters. In case of ineligible swipe we
offset the clam by either processing a
refund check or participants submits a
new receipt of an eligible expense of
the same amount or participant can
charge back the amount to the debit
cardfromthesamemerchant.

8. Other Services
TaxandAccountsOutsourcingforCPAFirms,USA
SandMartin has established a reputation in assisting accountancy practices in US on virtually all accounting processes
ranging from bookkeeping to finalization and tax return preparer for individual/business. We manage your accounts/tax
work with the highest level of professionalism, accuracy, timeliness, and quality, thus freeing you to focus on the more
importantstrategicwork.
We have been involved in a host of services for CPA Firms in US and some of them in which our credentials are credited at
large,are:
Year End
Finalization
Monthly
Management
Accounts
Preparation of
EOY financial
statements
Bookkeeping &
A/cs processing
from incomplete
records
Accounts
Receivables/
payables
Corporate Tax
returns
(1120, 1120S)
Partnership
Tax returns
(1065)
Billing services
& invoice
processing
Individual Tax
returns (1040)
Reconciliation
jobs

9. Assistance in Setting up BPO/ITES Set
upServices
SandMartinprovideassistancetoForeign
/ Domesticclients in implementation of a
complete business intelligence solution
followed by continued post-
implementation services. We provide
vendors with a virtual extension of their
design & development centers, products
& services, customized solutions, quality
assurance, project management, system
integration,BPOandITES.
InternationalConsulting
SandMartin is a premier Consultancy
Firm rendering niche, quality Services in
areas of Entry Level Business Strategy for
Foreign Corporate willing to set up their
base in India, Joint Ventures,
Collaborations– both Financial &
Technical,Mergers&Acquisitions(M&A),
Management Consultancy, Information
Technologyetal.
ManagementConsultancy
Management Consulting is the key area
in which the firm provides services
including General Management
Consultancy, Business Advisory services,
Risk Identification & Advisory Services,
Liaison Services, Management
Information Systems, Systems Design &
Control,Information&SystemAudits.
ArrangingJointVentures/ Collaborations
The firm is actively involved in locating Joint Venture Partners for Foreign
Companies in line with the parameters asked for by the client in terms of
Company Size, Financial Strength, Industry, etc. Once the parties are finalized,
the firm prepares the collaboration agreement & processes the various forms
that might be required for investment purposes including Consultations and
follow ups with Reserve Bank of India both at New Delhi & Mumbai & The
Foreign Investment Promotion Board [FIPB]. Due Diligence and other services
inthisregardarealsoprovided.
The Company is actively engaged in providing almost all the financial Non-Fund
based Services to Foreign Companies and individuals as well as NRIs and OCBs.
Expertiseintermsofinterestofforeigncompanies/individualareasfollows:-
· Preparation of survey reports for the purpose of assessing economic
viabilityofenteringintoabusinessventure.
· Assistance in providing financial and investment information
regardingtheprospectiveIndianpartner.
· FormulatingandadvisingonthetypebusinessentityandentryintoIndia.
· Formation of the organization and obtaining various government
approvalsincidentalornecessaryinconnectionwiththeventure.
Investment&PortfolioManagement
Investment consultancy in shares, securities, Government bonds, units, post
office certificates & real estate besides helping in purchase/sale of securities
including new issues, etc. Placement of Inter-corporate Deposits, Financing &
Leasingisalsoarrangedforclients.
LegalandTaxationServices
Consultancy in all legal & taxation matters both Direct & Indirect Taxes
including Customs, FEMA, FCRA, Excise, Service Tax, VAT, Company Law,
Competition Law & other allied laws including representation before
authorities.

10. In terms of logistics involved to do
Outsourcing,it'ssimple.MostoftheTPA
firms are already equipped to start
outsourcing at any point of time. Few of
the most popular and preferred method
isexplainedbelow:
Logistics
Online Method*:
TPA firm scans the data & upload it in a
dedicated network drive on their server
for SandMartin to access or access to
DMSisgiven(likeSingleview)
SandMartin connects to TPA firm's
computer/serversusingsecuredVPN/
RDP/Citrix/gotomyPC®connection
SandMartin complete the work on &
log out from remote TPA firm to
reviewtheworkdonebyus
Hereitisexplained:
· TPA Firms give us access to their server through a secured remote
connection with the user name & password. (If you are currently
accessing your office computer remotely or from home, it's the same
technologywewouldberequiring)
· We are given access to one of the drives where clients' data (including
scanned source documents needed like Adoption Agreement. Broker
statement,etc)areplaced.Incaseofclaimsprocessingwecanbegiven
accesstoeithertheDMSortheoutlookwheretheclaimsarereceived.
· Short cuts are also created for various softwares for administration
purposelikeRelius,DATAIR,Lighthouse1,etcontheDesktopforouruse.
· We use source documents and programmes on TPA's server and
workandleavethedatathere.
· Allqueriesrelatingtothejob,etc.aresentthroughe-mailfromourside.
· We are not given any right to even cut or copy the data from your
servertoourserveroranywhere.
· For additional security the clients who use RSA secure ID for login to the
administrationsoftwarecanprovideustheaccesstothesameviaawebcam.
In the above method, you would notice that clients' data is not leaving your
own US server and sits only there till the job is completed. Only difference is
thatinsteadofsomebodyworkinginhouseweworkfromhereinIndia.
Youdon'tneedtospendanadditionalTaxsoftwarelicensesaswemayusethe
same license you currently have because of the difference between yours and
oursworkingtimings

11. Pricing Models
FTE (Full Time Employee) basis: SandMartin dedicates staff
members/team to your work. You will deal with the same staff and build
the rapport required to produce a long lasting outsourcing relationship.
Advantagesinthismethodare:
· Quick TAT: It takes almost same amount of time to turn around the
job as somebody in your office might have taken. There is no more
pullingofresourcesfromageneralpooleverymonth
· People working here become extension of your office, part of your
team,inactualsenseyouhaveaglobalteamthisway
For good volume of work, we recommend FTE pricing model which is
economical in comparison to Hourly Rate. FTE gives you 150 hours per
monthandthebillingismonthly.Youmayhireaslowas1FTEtostartwith.
Pay as you go: You pay for hours that you want in advance, say 100 hrs in a
month. We dedicate a resource pool to you for 100 hrs that only works on
your job till 100 hrs are exhausted. If there are more hours put in than 100,
we bill you extra for that. Advantages of this system are Quick TAT and in
summaryitisminiversionofFTEmodel.
Per Plan/Claims Basis: You pay for the number of Plan’s/ Claim’s that you
haveoutsourcedontheagreedbillingcycle.
We are a premium outsourcing
solutions company which gives a
managed solution where all work is
reviewed before it comes to you by a
Qualified Manager/ Equivalent by
experience, with a quick review by
somebody in your firm - are ready to
file, etc. Our rates include the
managers' cost to provide managed
solutions with variety of different
pricing models available with different
chargeoutrates.
There are different pricing model we
have for you to choose from, ranging
from FTE to Hourly. Here is a brief
descriptionofall.

12. SandMartin in News
SandMartin has been covered by the International Accounting journals worldwide. Our accolades and coverage in
AccountancyAge,CAMagazine,recentcasestudyby20-20ofCBW,speakvolumesaboutouroutsourcingcapabilities.
Corporate International Magazine of UK stated SandMartin as "One stop
shop" for all accounting and taxation needs for CA/CPA Firms. Also applauded
that SandMartin has considerable experience in providing individual and
corporatetaxservicestoCA/CPAfirmsabroad."
CA Magazine, A leading Accountancy Magazine published by Institute of
Chartered Accountants of Scotland (ICAS) - carried an article on outsourcing
during recession where SandMartin has been applauded as “One of the longest
establishedIndianOutsourcingServiceProvidersforFinance&Accounts".
Accountancy Age a UK Accountancy magazine carried an exclusive article
about SandMartin & how we have been into KPO industry from the very
beginning and applauded SandMartin as “One of the first ones to hoist the
flag of accounts outsourcing to India”. It also talks about founder of
SandMartin; Mr. Sunil Goel who had a vision to provide these outsourcing
serviceslongtimeback,whenoutsourcingwasunheardof.
Journal of Accountancy published a case study “Over Night In India” in the
June 2000 edition, elaborating on ease and benefits of outsourcing to
accounting firms in the USA, and highlighting the contribution of SandMartin
totheoutsourcingindustryandtotheirclientsintheUSA.
A Plus is an official magazine of the Hong Kong Institute of Certified Public
Accountants published an article”Offshored Audits: Boon or Bane?” wherein
Mr. Sagar Ahuja (AVP) SandMartin argues that worries about quality are
unwarranted. He makes a comparative analysis of examination process and
explains that tough process of CA exams conducted in India leads to emergence
ofhighlyefficientCharteredAccountantswhoproduceveryhighqualitywork.
The 20-20 Innovation published an article Plunge into Success in the August, 2012
editionofitsnewsletter“TheInnovator”explaininghow CBW,a20-20memberfirm
wasabletoreapthebenefitsofSandMartin’suniqueFTEModelofOutsourcing.
*Alllogosarethepropertyoftheirrespectiveownersandshouldbetreatedassuch.
Innovation
CorporateINTL
AccountancyAge
DRIVING BUSINESS SUCCESS

13. Infrastructure
HumanResource
We have a dedicated team of over 200+
trained professionals in US/UK/
Australia laws relating to pension,
income tax, corporate laws & softwares,
etc. These consist of CAs, CPAs, ACCAs,
MBAs(Finance&Marketing),Company
Secretaries, Law Graduates, Software
Programmers&Graduates.
In order to achieve the highest levels of
quality&efficiencyweensurecontinuous
improvements in the employee's
knowledge base & client satisfaction
through a comprehensive training
schedule maintained for each employee.
This is supported by the latest
equipments likewebmeeting,webinars,
voicechats,etc.
A.NoidaOffice
· In the Noida office the total
covered/built-up area is over
16,000sq.ft.comprisingof4floors.
· Processareaisatotallyrestricted
zone where none other than the
employees who have been
assignedthetaskarepermitted.
· Lockers are provided before the
entranceofeachprocessingzonefor
theconvenienceoftheemployeesto
safe deposit their personal
belongings, mobiles, PDA, ladies
handbags,Tiffin,etcbeforeentering
theirrespectiveworkareas.
· We have 3 large conferences cum Training Rooms and another 3
medium size Conference Rooms. Conference cum training rooms is
located on each floor along with LCD Projectors and LED TVs for
trainingandVideoConferencingpurposeswiththeclients.

14. B.Mumbai &GurgaonOffices
We have opened new branches in
Mumbai & Gurgaon, the offices are
equipped with state of the art facilities
which are in line with ISO 27001. The
offices are controlled and operated by the
standard procedures aligned with our
corporateofficeinNoida.Wehavetapped
the best & experienced talent in industry
forourMumbai&Gurgaonoffices.
C.CCTVSurveillance
· Complete state of the art CCTV system with several Motion detection cameras installed at strategic location in
consultation with security advisors for observing the movements of our own employees as well as visitors. Up to
64 cameras at a time can be viewed by the management and security personnel on their computer screens for
closemonitoring.
D.Telecommunications
· AdvancedDigitalEPABXsystemwithfacilitytoterminateVOIPlinesalso.
· CompleteSoftwareforloggingdetailsofcallsreceived/madealongwithtime/extension/duration.
· VOIPlineswithlocalUSNumberstomake/receivecallsto/fromUSClients.
E.LeasedLine/E1Connectivity
· High speed dedicated leased line of more than 20 Mbps (1:1) for fast and round the clock connectivity on fiber
network from TATA Communications Limited having access and control over multiple inland and submarine
cables providing an uptime guarantee of 99.5%. Backup Lines are from different vendor comprising of leased
line,DSL,tobeusedincaseprimarylineisdown.
F.AccessControl
· Visitorsarescreenedatthemaingatebythesecurityguardandonlyafterascertainingthepurposeareallowedentry
andonlytothezonerequiredandaregivenspecialVisitors'accesscards
· Accessgatesareequippedwithstateoftheartbiometricsystemallowingaccesstoonlythezonehehasbeenallocated.
Itworksfrombothsidesatentryaswellasatexitanddirectlyrecordstimesofeveryentry/exit.

15. PhysicalSecurity
· AccesstoworkareasiscontrolledbystateoftheartBiometricSystem
whereeveryentrytoandexitfromworkisdulyrecorded.
· Lockersareallottedtoeveryemployeetoensurethathedoesn'tcarry
his/herpersonalbelongingsontheshopfloor.
· Latest Close Circuit TV (CCTV) installed in al rooms and important
publicareaslikepassages,conferencerooms,openarea,etc
· Latest DVR facility to simultaneously record 72 Video channels of
CCTVwithacapacityofretainingtherecordingsupto45days
· Fire security and alarm system consisting of smoke and heat
detectors, sensors, and a complete control panel in the Guard Room.
Fire-fightingequipmentsarealsoinstalled.
· 24-hoursSecurityGuardatthebuilding.
Data/NetworkSecurity
· Every employee has it's unique username and password to access
his/herworkstation
· Electronic Devices such as mobile phones, PDA etc are not being
allowed on the production floor and the USB ports and other media
drivesaredisabled.
· Access to local drives of our server is restricted based on the process
theemployeeassignedto.
· Appropriatebackupmechanismtopreventdataloss.
· Weeklyupdationoftheantiviruspatternoneverysystem.
Confidentiality
· Every employee signs a Non-Disclosure Agreement at the time of
recruitment&anybreachofthesameleadstoterminationofemployment.
· Restricted access to internet websites and the same are allowed only
ifitisaprocessrequirement.
G.Powersupply
· Adequate power connections
areinstalledinthepremisesand
refinedusingservostabilizers.
· Entire operations are backed
by UPS to protect all the
computersandserveretc.
· Two Diesel generating sets are
installed to ensure continuity of
workduringpowerdisruption.
H.FireFighting
· The building is fitted with Smoke
and Heat Detectors at several
places on each floor along with
hooters linked to central fire
alarmpanelinthesecurityguard
roomonthegroundfloor.
SandMartin has implemented various
controls and monitors it continuously
to ensure security is delivered as per
thecommitments.

16. OUTSOURCING EXPERTS
Get in Touch With Us
info@sandmartin.com
www.sandmartin.com
0800 097 4145
+44 20 7993 0603
+44 20 7691 9657
+61 28 307 3842
+1 315 359 4326
+1 212 320 0359
:
:
:
:
:
:
Phone
Fax
Phone
Phone
Fax
UK
UK
Aus
US
US
719, C-Wing, 215 Atrium Andheri Kurla Road
Andheri (East), Mumbai - 400093
Phones: +91-22-66953000-03
Fax: +91-22-66953007
MumbaiNoida
C-14, Sector 7
Noida - 201301(UP)
Phones: +91-120-4033000, 4266500
Fax : +91-120-4033030
New Delhi
86, Paschimi Marg, Vasant Vihar
New Delhi-110057
Phone: +91-11-41663000
Fax : +91-11-41662000
Gurgaon
Units 917-920,
Spaze I-Tech Park
Sohna Road, Sector 49
Gurgaon, Haryana - 122001
Towers B3 & B4
The success mantra for TPAs in today’s business is:
Do what you do best... and Outsoruce the rest...