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An employee talking with her retirement advisor

401(k) and 退休服务

As the nation’s number one 401(k) recordkeeper, we know how to administer retirement plans for your business and your employees. 从注册到计划维护,im体育官网网址为任何规模的企业照顾细节. im体育官网网址一体化的薪资和福利解决方案简化了计划管理和成本控制. When Payroll meets retirement benefits in a single platform, everything is simpler.

Affordable 401(k) Plans for Any Sized Business

小企业主可能认为他们负担不起为员工提供401(k)计划. im体育官网网址可以帮助您找到合适的计划,让您的员工实现他们的退休目标,同时为您节省税收. To get started, talk to one of our retirement specialists today.

Converting Your Retirement Plan is Simple

We are not only successfully onboarding thousands of 401(k) plans each year, 但im体育官网网址也可以与您目前的供应商合作,使转换到im体育网址变得简单——包括处理文件归档, setting up Payroll processing, 转移资产, and re-enrolling employees into the new plan. We'll also work with you to establish your plan's fund lineup, customize based on the parameters of the plan, 然后新建文档. If you're thinking of making a switch, talk to us.

im体育官网网址的退休计划选择

  • Bundled recordkeeping with Payroll integration
  • 汇集雇主计划(PEP) 
  • 401(k) administrative services with any Payroll provider
  • 403(b) administrative services
  • Standalone third-party 政府 services (TPA)
  • Recordkeeper-only服务
  • Owner-only 401(k) and Solo 401(k) for sole proprietors
  • 简单的爱尔兰共和军

Still trying to figure out which plan is best for you? 阅读im体育官网网址的 Retirement Planning 101 Guide.

 

退休服务

Simplify Retirement Plan Management with im体育网址 Flex

im体育网址 Flex是im体育官网网址所有人力资源的一体化解决方案——使您更容易管理退休产品.

  • 授权和吸引员工

    授权和吸引员工

    创新的退休自助服务工具使401(k)参加者和员工更容易通过移动设备或在线门户访问账户.

  • Make it Easy to Enroll in Your Plan

    Make it Easy to Enroll in Your Plan

    快速注册功能允许员工在四次点击中注册退休计划. 当您整合Payroll单时,您可以很容易地看到谁符合您所选择的退休计划. 这意味着你不必单独跟踪资格,节省你的时间专注于你的业务. 

  • Give Participants Access to their Account

    Give Participants Access to their Account

    im体育官网网址的在线仪表盘可以让用户一目了然地查看账户,并使用户能够快速做出调整. They can maximize contributions with the auto-increase feature, 检查他们的进度, and manage their retirement 投资s.

  • Simplify Complex Plan Management

    Simplify Complex Plan Management

    Complex processes such as 投资 selection, 改变计划的贡献, existing and pending loan status, 包括ACH选项在内的分发方法通过一个易于使用的仪表盘简化.

What Makes im体育网址 the Most Experienced Retirement Plan Provider

一体化的服务

From finding you the right plan to 设置 and ongoing maintenance, we help you take care of the details. You’ll can count on us to be a trusted and experienced provider, with a dedicated support team who are always ready to help.

Save time and money — combine your 401(k) with Payroll

Combining retirement and Payroll 政府 simplifies management, 减少了错误的发生, 节省您的时间和金钱. Our im体育网址 Flex® platform can improve reporting accuracy, 收集统计数据, and enable better compliance — all so you can meet your fiduciary obligations.

Design a plan to meet business and employee needs

im体育官网网址将帮助您了解每个计划的不同优势,这样您就可以找到最适合您员工需求的计划.

Investment choice and fee transparency

With our open architecture platform, 您可以从成千上万的投资选项中选择,而没有专有的要求. Fee transparency means you know exactly what you’re paying for, im体育官网网址的共同基金收益份额返还政策将共同基金的收益份额返还给参与者.

Provide mobile access for you and your employees

im体育官网网址的移动自助服务应用程序,让您和您的员工24/7访问您的帐户. You can check retirement contribution amounts, 实现平衡你的账户, 评估投资业绩, and auto-enroll with just a few clicks.

Get support from set up to recordkeeping

im体育官网网址训练有素的美国军队.S. 基于退休专家将在那里帮助您选择和管理正确的计划,为您的企业和员工. 你有 财务顾问? im体育官网网址经常与财务顾问合作,为他们和他们的客户提供支持.

联合雇主计划:为中小企业设计的401(k)计划

im体育网址 Pooled Employer Plan (PEP)使任何规模的企业都能更容易地为员工提供最受欢迎的退休计划之一. While you reap the benefits of offering a retirement plan, im体育官网网址监督计划的制定, 实现, 监控, 招生, 和其他职责. Learn why a PEP could be a retirement game-changer for your business. 

A business owner considering a PEP Retirement Plan

Save More on Taxes with the SECURE Act

《im体育官网网址》为企业提供了建立退休计划和降低纳税义务的能力. Your business can take advantage of tax credits of up to $5,每年500, which includes a $500 credit for implementing automatic 招生 in the plan, 三年了, if you meet eligibility requirements.  These start-up tax credits go towards the costs of starting a new 401(k) plan. Only new plans are eligible for these tax credits.

Business owner working on her laptop

Thinking and Planning for the Future

ESET北美 uses its retirement benefit to engage its workforce

ESET北美, 安全软件系统, 通过im体育网址的401(k)计划展示了该公司是如何重视员工的,该计划帮助员工积极参与并为退休储蓄,同时公司还受益于薪资和合规的整合,节省了时间.

ESET北美 testimonial for im体育网址
ESET北美
1:11

通过im体育网址提供401(k)计划确实帮助im体育官网网址招聘和留住了员工, 但我也很高兴能为员工提供我可以支持的福利.

梅根·洛佩兹
Sr. 人力资源通才
ESET北美

退休服务常见问题

  • 什么是退休服务?

    什么是退休服务?

    退休服务 cover the full range of services needed over a plan’s life, particularly for a business or organization managing multiple plans. 其中包括规划设计, 投资, 转换, 设置, 招生, 政府, 和遵从性测试.

  • What are the most common retirement plans?

    What are the most common retirement plans?

    雇主最常使用401(k)计划,因为401(k)计划设计灵活,而且比个人退休帐户(ira)等其他退休计划储蓄更多.

  • What are the different types of 401(k) plans?

    What are the different types of 401(k) plans?

    401(k)退休计划有很多种,每种计划都有不同的管理规则: 

    • 传统的401(k)退休计划:一种由雇主资助的退休计划,允许雇员通过Payroll扣减进行税前缴款. Investment earnings and contributions are tax-deferred until they are withdrawn. Employers can choose to make matching contributions to the plan, although it's not required as part of a traditional 401(k) plan. 
    • 安全港(Safe Harbor) 401(k)计划:如果雇主向雇员的账户缴清款项,且缴清款项时雇员的账户已完全归属,该计划将使雇主免于参加传统401(k)计划所要求的大多数年度非歧视测试. 
    • SIMPLE 401(k):专为员工人数不超过100人的小型企业而设计, 简单的401(k)计划不受适用于传统401(k)计划的年度非歧视测试的约束. The employer is required to make employer contributions that are fully vested. 
    • 汇集雇主计划:一种专业管理的退休计划,允许任何规模的雇主将资产汇集到401(k)计划中. 因为资源是共用的, there's reduced fiduciary liability, simplified plan 政府 for employers, and potential cost savings for participating employers.
    • 403(b):由公共教育系统和某些501(c)(3)免税组织提供的免税年金或TSA计划.

    There are pros and cons to each, 但企业倾向于使用401(k)计划,因为该计划灵活,能让员工存更多的钱. 退休专家可以回顾不同的计划描述,并帮助您决定哪一个最适合您的业务.

1Largest 401(k) recordkeeper by number of plans, PLANSPONSOR 杂志, 2020