Est. 2026 · St. Petersburg, Florida
A design firm that happens to do administration.
Opus Plans is a third-party administrator (TPA) for small-business retirement plans, based in St. Petersburg, Florida, delivering remotely across the state. We design and run 401(k) and cash-balance plans for owner-led firms (dental and medical practices, law firms, accounting firms, veterinary clinics, and specialized trade businesses such as HVAC). The design decides what a plan can do; the administration keeps it exactly on the rails, every year. Most firms sell the second without ever doing the first.
New firm, institutional standards.
Opus Plans is new. The standards behind it are not. We spent a decade building a bespoke recruitment firm for institutional clients, and we have carried its technology, speed, service, and processing standards into plan administration. The work here is deterministic (census in, tests, contribution calculations, filings out), so we built a services-first, deliberately efficient firm around it: automated where the work should be automated, and staffed with people where it shouldn't.
What to expect.
Personal service when it matters, and a firm that otherwise sits in the background so you can do what you do best: grow your practice and run your business. We work closely with your CPA, never around them, so the plan is built to fit your numbers, your year, and your plans for the practice.
The method is unglamorous and repeatable. We read public filings before we take a minute of your time. We do the mathematics on your actual census, not a template. And we treat deadlines as the product, which means tests, notices, amendments, and government filings, on time, every year. What you buy from us is the absence of problems.
Who checks the work.
We never hold plan assets; custodians and recordkeepers do. What you entrust to us is the work itself, and the work is checked. Every design is reviewed by our senior consulting advisor, a credentialed QPA, before anything ships. Cash-balance certifications are signed by our consulting enrolled actuary.
The people.
Head of Clients
Avinash Nandakumar
Built and exited a sovereign-advisory firm; builds process businesses. Married to a physician who looked into setting up her own practice, he knows the payroll-for-retirement question from the owner's side of the table, and he's the one on your call who gives you a number, or a no.
Twenty minutes with your CPA on the line settles it.
No fee for the call. No obligation. If the numbers don't work, we'll tell you.