光明之路集团计划解决方案
什么是更明智的401(k)团体计划解决方案?
A Brighter Way 401(k) Group Solution Plan (GPS) is a collection of single-employer defined contribution plans that, 通过一个 统筹计划安排, may share a common plan administrator, named fiduciary, investment menu, plan year, and trustee. 参与的雇主不必来自同一个协会或行业. 这个集合计划解决方案旨在减少管理负担, 转移某些风险, 并且有可能降低总体计划成本. It brings together a team of professionals on an employer’s behalf so they can focus on what matters most: running their business — not their retirement plan.
每一个采用全球定位系统的雇主签署一份协议，采用一份计划文件, and each employer is viewed as adopting its own plan for certain regulatory purposes. All component plans use the same service providers and investment vehicle—giving them the potential to enjoy cost savings through economies of scale.
为什么你应该考虑更明智的401(k)团体计划解决方案?
计划顾问的好处:
A Brighter Way 401(k) GPS gives you the opportunity to successfully scale your retirement plan advisory practice, 哪些可以帮助你增加公司的收入和盈利能力. An ERISA 3(38) investment manager handles discretionary fund selection and 监控 using low cost institutional funds eliminating the burden on you and your client. The 3(38) manager is CEFEX-certified and has created a custom target date collective investment trust series with conservative, 每个年份都有适度和激进的选择.
All fund 监控 and quarterly investment manager reports are provided for your periodic client reviews, 节省你数小时的复习和准备时间, and letting you focus on meeting with your client and improving plan metrics such as employee participation, deferral rates and optimizing asset allocation where the greatest opportunities are for improving participant outcomes.
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计划保荐人的福利:
A Brighter Way 401(k) GPS gives your employees the best opportunity to successfully save for retirement through simplicity & 透明度、规模、灵活性和响应性强的本地服务. It is based on the fiduciary best practices and processes of 意图’s own 401(k) plan, which has above-average participation and contribution rates at below-average costs.
A Brighter Way 401(k) GPS will allow you to adopt a 401(k) platform that is competitively priced, incorporates industry best practices for plan management and is designed by CPAs who value and understand a prudent process and transparency.
看看这个视频 了解更多!
To 了解更多 about managing your fiduciary risk as a plan sponsor through the GPS, we invite you to 下载白皮书 瓦格纳法律集团撰写，泛美提供.
你的敬业团队
专业服务团队的角色
计划管理员- 意图 & 比较靠谱的赌博软件
- 担任具名受托人
- 执行管理功能以保持计划的一致性
- 负责日常计划运作，包括
- 填写、签署及存档表格5500
- QDRO决定
- 福利支付授权
- 确保获得配偶对付款的适当同意
- 分布
记录管理员-泛美
- 超过85年的退休经验
- 联合计划的先驱和市场领导者
- 从2001年开始创建池计划解决方案
- 为计划参与者提供支持，直至退休
财务顾问-由计划发起人挑选
- 帮助发起人确定计划目标, 计划设计增强的选项, 并监控计划统计数据
- 提供服务，以帮助增加计划的参与
- 为员工提供全面的教育计划
- 提供收费和服务基准等服务, 并提供3(38)提供的投资审查
- Helps ensure the plan sponsor understands the importance of providing year-end data to the Third-Party Administrator for the timely completion of all required testing/filings
第三方管理员- 意图 & 比较靠谱的赌博软件
- 帮助用人单位进行计划设计
- Provides ongoing compliance services, including mandatory testing and administration
- 为雇主提供本地支持
投资经理-目标路径解决方案
- 负责投资阵容中基金的选择和监控
由经验丰富的领导者提供及时的本地服务
意图 & 比较靠谱的赌博软件 has been certified by the Centre for Fiduciary Excellence (CEFEX) as adhering to the industry’s best practices for Third Party Administrators. Certification means that we undergo annual assessments to verify our continued adherence to the ASPPA Standard of Practice for Retirement Plan Service Providers. Excellence is part of our culture and we strive for it by continuously improving every aspect of our business. This certification is proof that 意图 delivers industry-leading care to our retirement plan clients. Our CEFEX certification emulates annual due diligence to ensure increased efficiency, 操作的一致性, 改进决策制定和流程问责制.
另外, as a multi-year winner of ClearlyRated’s Best of 会计® award for client service excellence, 雷亚的客户满意度得分几乎是行业平均水平的两倍. We pride ourselves on our outstanding client service and we guarantee that your emails and phone calls will be returned within 24 hours – if not sooner.
披露的信息
小组计划解决方案SM (GPS)不是多雇主计划(MEP). 与欧洲议会议员不同, certain plan qualification and ERISA requirements are applied at the individual plan level. 参与全球定位系统的雇主保留一定的受托责任, including responsibility for retaining and 监控 the 3(16) plan administrator, 以确定其收费的合理性, 并定期对全球定位系统进行整体审查. 泛美不作为一个3(16)计划受托人.
在采取任何计划之前, 赞助商应该仔细考虑所有的好处, 风险, 以及与计划相关的成本. Information regarding retirement plans is general and is not intended as legal or tax advice. 退休计划很复杂, and the federal and state laws or regulations on which they are based vary for each type of plan and are subject to change. 除了, 一些产品, 投资工具, 并不是所有工作场所的退休计划都能提供或适合这些服务. Plan sponsors and plan administrators may wish to seek the advice of legal counsel or a tax professional to address their specific situations.
Choosing a pooled plan does not eliminate the need for plan sponsor to determine whether a plan is appropriate for their specific circumstances. No investment decision should be made based on this information without first obtaining appropriate professional advice and considering the circumstances. 联系你的税务顾问, accountant and/or attorney before making any decisions with tax or legal implications.
Information contained herein may have been obtained from a range of third-party sources and is believed to be reliable but not guaranteed.
GoalPath Solutions is an independent Registered Investment Advisor performing as the plan’s 3(38) investment manager. 作为该计划的指定受托人, GoalPath负责选择, 监控, 以及正在进行的基金尽职调查.
标识和商标是其各自所有者的知识产权. 意图 & 比较靠谱的赌博软件, GoalPath Solutions, Transamerica and The Wagner Law Group are unaffiliated.