For Employers

For Employers2019-08-02T19:25:26+00:00

We don’t fit your plan to our solutions; we create solutions for your plan.

Our expert sales team provides full-service customizable solutions including plan design, recordkeeping, compliance and participant management. Our organizational processes and always-current technology allow us to serve any kind of client, from start-ups to organizations with thousands of participants.

We offer the full range of retirement plans including:

  • 401(k) Plans (with or without employer matching contributions)
  • Safe Harbor Plans
  • Cross-Tested/New Comparability Plans
  • Cash Balance Plans
  • Defined Benefit Plans
  • 403(b) Plans for Non-Profits
  • 457 Plans for Government Organizations
  • Profit Sharing Plans
  • Deferred Compensation Plans
  • SCA/Davis Bacon Plans

Our key plan administration responsibilities and procedures include:

  • Recordkeeping and Administration Services
  • Legal Document Preparation
  • Form 5500 preparation and filing
  • Storage and management of plan and participant-level account information
  • Receipt and processing of participant-initiated requests (loans, distributions, transfers, deferral rate changes, etc.
  • Discrimination Testing
  • Compliance Testing and Reporting
  • Annual Reporting
  • Audit Coordination

Compliance Testing:

  • Pre-Testing
  • Annual Additions Limits (415)
  • Annual Deferral Limit Tests (402(g))
  • Average Deferral Limit (ADP) Test
  • Average Contribution Percent (ACP) Test
  • Compensation Ratio Testing (414(s))
  • General Nondiscrimination Test 401(a)(4)
  • Minimum Coverage Requirements (410(b))
  • Ratio Percentage Test
  • Average Benefits Test
  • Top Heavy Test (416)

We pride ourselves on our ability to create a customized plan design for any kind of organization, but our commitment to service doesn’t end there. Our high-touch approach goes beyond a personalized sales pitch. Expert consulting is paramount in our business philosophy, and we focus on ensuring that sponsors receive the support they need to meet their plan goals and fiduciary obligations. This includes updates about trends in the industry, changes in regulations and laws, and support for plan participant communication.

America’s 401(k) works with many of the nation’s leading asset custodial and trustee services, including John Hancock, Mass Mutual, Nationwide, JP Morgan and many others. We’ll recommend the organization that provides broad access to investment choices and competitive pricing structures.

Through our alliance with Group RHI, plan sponsors have access to virtually any mutual fund available on U.S. markets, as well as money market funds, Guaranteed Investment Certificates (GICs), commingled trusts and separately managed accounts.

We pride ourselves on our ability to design a custom financial services environment for your employees. Our clients enjoy the highest quality financial and investment services available at highly competitive rates.

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