Retirement Benefits

• Safe Harbor 401(k)
  Nearly 70% of small business employers take advantage of the unique benefits of safe harbor 401(k) plans. Many employers choose safe harbor plans because they offer a range of administrative, savings, and tax-related benefits. Vestwell’s simple, streamlined safe harbor 401(k) solutions are designed for employers who want to set it and forget it.

• Non-Safe Harbor 401(k)
  Non-Safe harbor 401(k)s do not require a company to make mandatory employer contributions. However, Non-Safe Harbor plans will require annual compliance testing to ensure they are not top-heavy (meaning that compensating some employees more than others).

• Profit Sharing 401(k)
  A Profit Sharing 401(k) is another type of defined contribution plan in which the company has discretion to determine when and how much the company pays into the plan. We can help you set up a well-designed profit sharing plan designed to attract and retain top talent — which is especially critical in today's competitive market.

• 403(b)
  A 403(b) plan, sometimes referred to as a "tax-sheltered annuity", is a qualified retirement plan available to public schools, tax-exempt organizations, and certain religious organizations. Vestwell’s modern technology, intuitive design and 3(16) plan administration services take the headache out of setting up and administering a 403(b) plan.

• Payroll Deducted IRA
  In a Payroll Deduction IRA, an employee establishes either a Traditional or Roth IRA with a financial institution and then authorizes the payroll deduction for the IRA. Some states have enacted or implemented auto IRA programs and many more are considering doing so.

• Pooled Plans
  Pooled Employer Plans (PEPs) allow unrelated employers that meet certain requirements to join together to participate in a single retirement plan, sponsored by a Pooled Plan Provider (PPP). Vestwell’s flexible solutions and unparalleled modern technology make it easier for small businesses to offer these benefits.

Retirement Technology

Our intuitive, user-friendly platform offers a completely digital experience delivered on the cloud for faster deployment and a more modern experience.

Payroll integrations

We can integrate with 100+ payroll providers to simplify eligibility and payroll processing while taking more work off your plate.

Flexible investments

We're completely open architecture so you can build the line-up that's right for you without worrying about revenue sharing or proprietary funds. And for a tailored approach, we offer managed accounts for a more individualized participant experience.

Fiduciary administration and investment oversight

Whether acting as your 3(38) and/or 3(16), we provide fiduciary oversight to better protect you and your company investments.

Security

Our entirely cloud-based platform includes extensive controls such as encryption at all stages, constant monitoring, commercial anti-virus tools, and strict internal protocols and training.

Advisor Managed Accounts

Leveraging Franklin Templeton's proprietary methodology, we offer employees a more personalized investment experience based on their individual goals and circumstances.

Retirement Solutions Overview

Explore our robust retirement solution, tailored to your needs, and our modern, intuitive platform experience designed for you and your employees.

Key insights, tools & resources

CLIENT FEATURE

Hear directly from one of our clients

MULTIPLE EMPLOYER PLANS (MEPs)

See if a MEP is right for your retirement benefit

STATE MANDATES

Explore our state mandate comparison tool

INDUSTRY TRENDS REPORT

Read the latest employer trends report.