Businesses come in a variety of sizes and configurations, and so do business retirement plans. These options include several low-cost, convenient plans for partnerships, corporations, businesses with fewer than 100 employees and sole proprietorships. Take a look at this brief comparison.

Additional retirement plans we offer2 include:
  • Defined Benefit 403(b) 457 Profit-sharing Plan
  • Cash Balance
  • Non-Qualified Deferred Compensation (NQDC)
  • Employee Stock Ownership Plan (ESOP)
Our specialists are ready to help you evaluate your company’s retirement plan needs. We’ll consider key factors such as cost, plan features, recordkeeping services, tax implications and investment choices.

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1For example, the plan might offer features such as loans, vesting, etc.
2Restrictions, limitations and additional fees may apply.
When you choose us as you’re your business retirement plan provider, we’ll guide you every step of the way. Our services include:

Plan Design

We can help you evaluate the plans available and choose one that best fits your company. For a basic plan overview, click here.

Provider Search

One way to supervise plan service providers is by conducting periodic provider searches. Our process leverages a robust database of plan providers and asset managers to fully automate the provider RFP process. Benefit from our streamlined workflows by leveraging our RFP templates or completely customize your questions to suit your needs.

Investment and Fee Benchmarking

Our specialists help you develop an investment policy statement to provide the criteria for adding and removing funds from your lineup. Regular reports compare up to five service provider portfolios for fees and performance, demonstrating the relative strengths and weaknesses of fund options. Figuring out what you’re paying can be difficult. Some plan fees are built into the cost of the investments, while others are billed directly to the sponsoring employer. Our approach gathers fee detail from the service providers themselves and presents them in a clear format in order to judge reasonableness.

Plan Compliance

The economic and regulatory environments for workplace retirement plans today are challenging—to say the least. There are fiduciary concerns you may not completely understand. As the job market tightens, your plans play an ever more important role in attracting and retaining the right talent to move your company forward. And the time you spend dealing with the details of your plan may be better focused on running your business. Regular plan reviews with our specialists, using industry checklists, help you consider important questions about your plan and service providers.  Our specialists help archive plan compliance activities in an online Plan Vault so they can be retrieved at any time.

Receive a complimentary plan benchmarking report
We also provide resources to help your employees with the past, present and future. Regardless of their location or their preference, we have a way for them to get help.

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Past spending decisions affect employees, their retirement readiness and their overall financial health for many years to come. Improving employees’ financial wellness can have a positive effect on your bottom line (absenteeism, productivity, healthcare costs, etc.). Through our team, your employees can get group education and individual counseling on topics like credit card debt, auto and home loans, student debt, credit scores and more.


Making good decisions today will help your employees get more out of their paycheck. Our team provides proactive decision support to your employees when they join the plan and when they leave. By offering to help employees consolidate their retirement savings, we help keep plan costs as low as possible. In the meantime, our basic money management specialists offer classes on buying a car, buying a home, budgeting and more. This helps them make more informed, and hopefully wiser, decisions going forward.


Our goal is to help our members achieve their financial dreams. Group retirement and financial planning classes, combined with individual financial needs analysis by a dedicated wealth advisor, will help your employees make informed decisions during open enrollment and throughout the year. Your business has a lot to gain by your employees reaching retirement ready. Both you and your employees have much to gain by making the most of whatever rewards your company offers.

Virtual Financial Coach™

In addition to individual and group sessions with our team, employees can use our Virtual Financial Coach program to monitor their financial picture on their own, personalized financial homepages. Workshops, populated with their own unique financial data, guide them through answering these common financial planning questions:
  • Are your personal finances balanced?
  • Are your investments allocated properly?
  • Are you saving enough for retirement?
  • Are your retirement expenses covered?
  • Are you saving enough for college?
  • Is your family protected?
Ask a CERTIFIED FINANCIAL PLANNER® (CFP). If participants in the program get stumped at any point in the workshops, or need direction on how to apply what they’ve learned to their personal situation, a CFP® Professional is just a click or call away.
Education Center Chart



Quarterly Newsletters:

For Employers: For Employees:

Frequently Asked Questions

Q. Can I afford to offer a retirement plan to my employees?
A. Depending on your tax bracket, tax savings can partially or completely off-set the costs of administration and of contributions for employees. Specific example of how a plan benefits the employer and employees.

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Q. When is a business large enough to offer a retirement plan?
A. Many businesses can consider a business retirement plan once they’ve been profitable for at least 3 years.

Q. Do I have to include everyone?
A. Non- qualified programs can be very selective about the employees they include. Qualified plans offer some flexibility in regards to eligibility and vesting for employer contributions.

For Employees:

Select the provider for your plan from the list:

To Access Other Accounts and Virtual Financial Coach

For Employers:

Select the provider for your plan from the list:

To Access Plan Vault:

*For example, the plan might offer features such as loans, vesting, etc.
**Restrictions, limitations and additional fees may apply.

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