C-Ben Group is a full-service retirement consulting firm and third-party administrator (TPA) in the San Francisco Bay Area. Our clients are sole-proprietors, small business owners, partnerships, corporations with hundreds of employees, non-profits, and governmental agencies. We are experienced in providing design, implementation, and ongoing administration services for 401(k), 403(b), 457(b), profit sharing, money purchase, pension, and cash balance plans.
If you are looking for a consultant and TPA for your retirement plan who is knowledgeable, responsive, and energetic, give us a call. We would love to hear from you!
Meet the Team
I have spent my entire career working on retirement plans, primarily as a consultant. I love consulting work because it combines my twin passions of working with people and solving problems.
I began my career as an actuary, consulting on pension plans. Then I took a break from consulting to join a large San Francisco company to manage their pension and 401(k) plans. After 8 years, I returned to consulting. Informed by my experience as a plan sponsor, I have a much better understanding of the challenges that my clients face. As their consultant and TPA, I know it is of utmost importance that we are customer-focused and responsive and that our work is done on time and on budget.
Now heading up my own consulting firm, I want our clients to feel that we have their backs and that we are contributing to the success of their retirement plans.
Cindy Low is the founder and president of C-Ben Group. Her No. 1 priority is to deliver high-quality and high-touch services to clients that meet or exceed their expectations. Previously, she was a senior consultant at a Bay Area TPA firm and a consulting actuary at two multinational human capital consulting firms. During her detour from consulting, she successfully managed multiple pension and 401(k) plans in a complex environment at a large San Francisco company, first as benefits manager and then as benefits director.
- University of California, Berkeley – BA, Applied Mathematics
- Associate of Society of Actuaries
- Enrolled Actuary
- Fellow of Conference of Consulting Actuaries
- Member of Western Pension & Benefits Council
- Member of WIPN (formerly Women in Pensions Network)
A retirement plan is a versatile tool that companies can use to recruit, retain and reward employees. Because money in these plans have tax-favored status, they are subject to a myriad of governmental rules and regulations. I enjoy being part of a team that works with our clients to ensure their retirement plans are designed to best fit their needs and operated in compliance with complex and ever-changing rules.
My specialty is helping clients correct any compliance or operational errors. I take pride in using my expertise and experience to help them resolve issues timely and cost-effectively. Of equal importance, I proactively work with clients to identify and implement procedures to eliminate or minimize future issues.
Debbie Hong is a Senior Consultant at C-Ben Group. She has worked on 401(k), profit sharing, 403(b), traditional pension and cash balance plans for over 25 years. Her analytical skills and work experience well position her to work with clients in plan design modeling, nondiscrimination testing and correction of plan errors in addition to supporting them in plan administration. Debbie began her career as an actuarial analyst at the San Francisco office of a multinational benefits consulting firm, followed by a long tenure at a boutique TPA firm in the Bay Area.
- University of California, Los Angeles – BS, Applied Mathematics
I have worked in the retirement plan industry for the last 15 years. I started out as an assistant to a group of senior plan administrators and progressively advanced to become a retirement plan consultant, managing the plan administration work on many 401(k) and pension plans.
I enjoy helping my clients understand and administer their retirement plans, and I am gratified to be able to help them resolve day to day issues. Customer service is a top priority for me. I want my clients to feel that they can always count on me.
Mia Jones is a consultant at C-Ben Group. She is an experienced retirement plan consultant and administrator with a passion for helping others. She has daily contact with her clients to ensure their retirement plans are in legal and operational compliance. Mia has much experience working on plans that require an independent audit, plans in a controlled group, and complex plans. Previously, she was an administrative consultant and senior plan administrator at various TPA firms in the San Francisco Bay Area.
- Contra Costa College – Accounting
- Qualified 401(k) Administrator
- Member of the American Society of Pension Professionals & Actuaries