Dunbar, Bender & Zapf, Inc., located in downtown Pittsburgh,
Pennsylvania, has been providing full-service employer sponsored retirement
plan administration and consulting since 1991. Dunbar, Bender & Zapf, Inc.
assists employers in the design, implementation, administration and
communication of a wide range of retirement plans. We are committed to
providing these services to our clients in a timely, accurate and
Our benefit professionals are dedicated to helping employers implement
retirement plans that promote corporate goals and objectives, control costs
and give employees a sense of security.
Dunbar, Bender & Zapf, Inc. takes the confusion out of plan
administration duties and decision making by providing our clients with the
consulting and technical expertise they need. We are committed to
maintaining effective state-of-the-art computer systems and applications for
administrative procedures which permits us to process our clients work more
efficiently and ensures the highest standards of quality.
Dunbar, Bender & Zapf, Inc.'s greatest resource is its team of
experienced professionals. Our clients are served by employees who have
professional qualifications and whose backgrounds include many years of
experience in the pension and retirement field. Currently, we staff 50
employees with six principals, three with over 30 years of experience. Our
staff includes three enrolled actuaries. We also employ 19 ASPPA-designated
members (10 Certified Pension Consultants, 6 Qualified Pension
Administrators, three Members of the Society of Pension Actuaries
(M.S.P.A.)) and two Certified Employee Benefit Specialists. Our
professionals are committed to providing our clients with friendly,
courteous and responsive personalized service of superior quality.
MARK K. DUNBAR,
As an Enrolled Actuary and Senior Consultant, Mark possesses broad experience as
a pension consultant, spanning over 30 years in the employee benefits field. His
responsibilities have encompassed all phases of the retirement planning process,
from the development of new business to plan design and technical research. Mark
has specialized in the design options available under qualified retirement
plans. Mark is a frequent speaker at seminars in both western Pennsylvania and
A life-long Pittsburgher, Mark is a 1976 graduate of Indiana University of
Pennsylvania, earning a B.A. degree in Mathematics. Mark is President of Dunbar,
Bender & Zapf, Inc. In addition to his duties at Dunbar, Bender & Zapf, Inc.,
Mark is a Member of the American Academy of Actuaries, a Member of the American
Society of Pension Professionals & Actuaries (ASPPA), and an Enrolled Actuary.
Mark was elected to ASPPA's Board of Directors in 2006 and is a co-chair of
ASPPA’s Defined Benefit Government Affairs Sub-Committee.
JAMES V. BENDER
Jim Bender, Senior Consultant has over thirty five years of employee benefits
experience and specializes in defined contribution and DC/DB combo plan
consulting. Since the late 1970s, Jim has helped hundreds of clients with their
401(k), profit sharing or employee stock ownership plan. Starting his employee
benefits plan career in 1977, Jim worked on his first 401(k) plan in 1979.
Jim is directly involved with all aspects of new case marketing, plan
implementation/conversion, plan design consulting and compliance testing. Mr.
Bender heads the firm's marketing, compliance and plan design for DB&Z, Inc.'s
various administrative alliances. Those include allocated account platforms of
major mutual fund and insurance companies and DB&Z Inc.'s payroll alliance,
Over his career, Jim has been a frequent speaker for continuing education
seminars covering retirement plan design, administration and compliance. On a
national level, Jim has been selected to serve on the national TPA Advisory
Council for John Hancock's Retirement Plan Services division and has served on
the Mass Mutual/Hartford Retirement Plans TPA Advisory Council for four years.
Working with both large and small plans, Jim's experience and knowledge of
retirement plan compliance, various investment platforms, payroll and design
consulting brings value-added expertise to DB&Z, Inc.'s clients.
Jim is a Clarion State University graduate ('76) and he and his wife Karen
reside in the South Hills.
ROBERT L. McNULTY, CPC
Bob McNulty has been with Dunbar, Bender & Zapf, Inc. since December of 1994.
Bob joined the firm at the entry level after graduating Summa Cum Laude first in
his class from Waynesburg College with a BS degree in Mathematics and Computer
Science earlier that same year. Working in the Special Plans Unit, Bob has
worked primarily with smaller, closely held businesses with specific retirement
Late in 1999, the founding partners of Dunbar, Bender & Zapf, Inc. tenured Bob
an ownership stake in the firm. Since then, Bob has been the partner in charge
of the Special Plans Unit and is responsible for managing a staff that currently
includes twenty employees that administer over one thousand client plans.
Bob is an active member of the American Society of Pension Professionals and
Actuaries and has achieved the designation of Certified Pension Consultant in
that organization. In his practice, Bob specializes in all aspects of defined
contribution plan design as well as provides consulting on a variety of defined
benefit plan issues including cash balance designs. As an expert in
cross-testing techniques, Bob utilizes a variety of methods to serve his
clients' needs in terms of improving plan benefits and better accomplishing
their goals. Bob is also active in new business development and an expert in
governmental compliance requirements and resolution techniques.
REBECCA L. HUMMER, CPC,
Becky is a consultant with more than 20 years of employee benefits experience.
She graduated from the Pennsylvania State University with a Bachelors of Science
degree in Mathematics with a focus on actuarial science. Becky’s experience
includes responsibilities for defined benefit and defined contribution plan
Becky joined Dunbar, Bender & Zapf, Inc. in July of 1995, where she specializes
in defined contribution plan consulting, focusing on 401(k) plans, money
purchase plans and employee stock ownership (ESOP) plans. Becky was offered an
ownership share in Dunbar, Bender & Zapf, Inc. in 2001.
Becky received her Qualified Pension Administrator designation in 1993 and her
Certified Pension Consultant designation in 1999. She was the recipient of the
1993 Martin Rosenberg Achievement award for top performing ASPPA examination
candidates. She is the founder and past Speaker of the ASPPA Benefits Council of
NICHOLAS J. ZAPF,
Nick is a consultant within the Special Plans Unit of Dunbar, Bender & Zapf,
Inc. His responsibilities include all aspects of plan administration/consulting
including plan design, implementation and on-going administration with a focus
on 401(k) plans of small employers. He is also active in marketing to
prospective clients and providing analysis on design studies for both 401(k) and
cash balance plan options.
A graduate of Grove City College, Nick earned his Bachelor of Science Degree in
Finance. Nick joined Dunbar, Bender & Zapf, Inc. in June 2002 and was offered an
ownership share in January of 2007.
Nick is a member of the American Society of Pension Professionals and Actuaries
(ASPPA) and has attained the professional designations of Certified Pension
Consultant (CPC) and Qualified Pension Administrator (QPA) sponsored by ASPPA.
SARA K. DeFILIPPO, E.A.
Sara is an Enrolled Actuary and head of the Defined Benefit Plan Unit at Dunbar,
Bender & Zapf, Inc. As manager of the actuarial group, she is responsible for
overseeing the administration of approximately 450 defined benefit plans. Sara
joined the firm as an entry level analyst in December of 2000 and was recently
offered an ownership share in July of 2011. With over ten years of experience in
the field, she is familiar with all aspects of the retirement plan process,
including a wide variety of defined benefit plan designs. She is actively
involved with design implementation, primarily working with small business
owners to further increase their retirement plan capabilities.
Specifically, Sara has gained extensive knowledge in the area of cash balance
plans. In the fall of 2010, she participated in the development of a new Cash
Balance module for the CPC designation sponsored by the ASPPA organization.
Sara graduated from Westminster College in May of 1999, earning a Bachelor of
Science degree in Mathematics with a minor in Computer Science. She received her
Enrollment in August of 2008 and is an active member of both the American
Academy of Actuaries and the American Society of Pension Professionals &
JILL DENNIS, CPC, QPA
Jill, a consultant and shareholder, has been with Dunbar, Bender & Zapf since
1999. With over 20 years experience in the retirement plan industry, Jill
specializes in all aspects of marketing, new business plan implementation, plan
conversion and plan design consulting.
Prior to becoming a retirement plan professional, Jill attended the University
of Pittsburgh majoring Sociology. Beginning her career with defined benefit plan
administration and then later becoming an expert in defined contribution plans,
has given Jill a varied and extensive background in all types of Qualified
Plans. She has also been exposed to both the small and large plan markets and
understands the complexity inherent in both. Knowing the client and the client’s
needs have also allowed Jill to become well versed in all types of retirement
plans, qualified and non-qualified.
Jill’s education and experience have allowed her to effectively transition a
career in administration to a successful consulting, sales and marketing role at
DBZ. Jill works in conjunction with financial advisors and investment platforms
to find the very best plan solution for our future clients.
Jill has been an active member of the American Society of Pension Professionals
for over ten years, attaining both the Certified Pension Consultant (CPC) and
Qualified Pension Administrator (QPA) designations.
Jill was offered an ownership share in Dunbar, Bender & Zapf, Inc. in January of
CARI A. MASSEY-SEARS, CPC, QPA
Special Plans Coordinator
After graduating from the Pennsylvania State University with a
Bachelors of Science degree focusing in Labor and Industrial
Relations with minors in Communications and Psychology, Cari joined
the firm in August of 1998 as an entry level administrator in the
Special Plans Unit.
With over fifteen years of experience, Cari is now manager of the
Special Plans Unit and is responsible for overseeing the
administration of approximately 1200 defined contribution plans for
primarily smaller, closely held businesses with specific retirement
needs, including all aspects of compliance and quality control
for the Unit.
Cari was offered an ownership share in Dunbar, Bender & Zapf,
Inc. in January of 2014.
Cari is also an active member of the American Society of Pension
Professionals and Actuaries and has achieved the designations of
Qualified Plan Advisor and Certified Pension Consultant. She
is a board member and active participant in the local ASPPA Benefits
Council (ABC) of Western Pennsylvania.
GERALD F. ZAPF
Retired December of 2012
After graduating from the University of Pittsburgh in 1974 with a B.S. degree in
Mathematics, Jerry began his career in the employee benefits field. Co-founder
of Dunbar, Bender & Zapf, Jerry acted as Managing Partner and
Secretary/Treasurer of Dunbar, Bender & Zapf for 20 years.
Throughout the years, Jerry’s extensive experience and research of government
regulations affecting qualified retirement plans brought value and added service
to all of the firm's clients: defined benefit and defined contribution.
His dedication and service to his clients and the firm helped Dunbar, Bender &
Zapf to become one of our area’s largest Third Party Administration and