About Us
At Southern Pension Services, we understand your retirement plan is one of the largest benefits you provide your employees. Our business is to assist you in managing the operation and maintenance of your plan by providing accurate, responsive, and helpful plan administration services.
Reba Cardillo, ERPA, QPA™, QKC®
Founder/Consultant
Reba Cardillo founded Southern Pension Services in 1997 with the goal of creating an independent, customized, and client-focused third-party plan administration firm. Reba began her career in the retirement plan industry in 1992 as a qualified pension plan administrator at Dun & Bradstreet Pension Services, Inc. She was responsible for administering plans in accordance with ERISA regulations and compliance testing guidelines, and plan design implementation and ongoing plan evaluations. Reba was selected to manage an administration team that serviced a 401(k) Plan product sold nation-wide where she employed her administration expertise and work-flow management knowledge. Throughout her career, she has designed, implemented, and administered thousands of employer-sponsored qualified retirement plans that included a wide range of private and non-profit industries.
Reba is a graduate of the University of South Florida in Tampa, Florida where she was awarded a Bachelor of Science degree in accounting. She is designated as an Enrolled Retirement Plan Agent (ERPA), qualifying her to practice before the Internal Revenue Service on certain retirement plan issues as outlined under the U.S. Treasury Department Circular 230. She also holds the professional designations of Qualified Pension Administrator (QPA™) and Qualified 401(k) Consultant (QKC®) from the American Society of Pension Professionals and Actuaries (ASPPA). Reba is a member and 2009-2010’s past President of Florida West Coast Employee Benefits Council (FWCEBC). She is also a member of the American Society of Pension Professionals and Actuaries (ASPAA), Tampa Bay Pension Council, and Women in Retirement Council (WiRC).
Pete Cardillo, MBA, QKA®,
President/CEO
Pete Cardillo, joined SPS in 2018 bringing many years of experience in 401(k) retirement plan services ranging from managing and installation and conversion of retirement plans from different investment providers to consulting daily with Plan Sponsors on the operation of their retirement plans. Mr. Cardillo joined Southern Pension Services as Vice President responsible for the company’s growth strategy. As President and CEO, in addition to the company’s growth strategy driven by marketing and sales, he works closely with business owners, advisors, and investment providers to ensure that clients’ retirement plans work in the best interest of employers and their employees.
He earned a Finance degree from the University of Colorado – Leeds School of Business – and an MBA Degree from the University of Tampa. He also holds the professional designation of Qualified 401(k) Administrator (QKA®) from the American Society of Pension Professionals and Actuaries (ASPPA). Besides being involved in national professional organizations, such as ASPPA and TPABenchmark, Mr. Cardillo is actively involved in the local professional community as a member and 2023-24’s past President of Florida West Coast Employee Benefits Council (FWCEBC) and the Tampa Bay Pension Council. He frequently volunteers his time and resources to national and local organizations in support of the private retirement system.
Plan Consultants
Our Plan Consultants are career administrators with over 100 years of combined retirement plan administration experience and are responsible for the timely and accurate on-going plan administration and annual report for our clients. Our consultants hold degrees in business, such as accounting and finance. Our Plan Consultants remain updated on the latest pension legislation and laws affecting retirement plans by attending seminars and workshops, completing continuing education courses, and pursuing professional designations through ASPPA. Southern Pension Services is committed to training and education for our consultants; they receive over 40 hours a year in continuing education.
Southern Pension Services
Engaging Southern Pension Services as your Third-Part Plan Administration (TPA) provider will ensure your retirement plan meets the compliance and annual reporting requirements set by the IRS and DOL.