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Introduction | Reasons to Consider 401(k) PLUS | Plan Administration
Every business deserves great retirement benefits and now every company can have them.
Whether your business has two employees or 2,000, 401(k) PLUS can provide you with sophisticated retirement benefits at a cost you can afford. We offer convenient, one-stop plan design, seamless administration, quality investments, cutting-edge Internet-based reporting, education and communication, and dedicated support from experienced benefits professionals.
Reasons to Consider 401(k) PLUS
Employees Are Your Greatest Asset
Great retirement benefits, such as 401(k) PLUS, can help you attract skilled employees and keep them loyal and motivated. You can customize key plan features specifically to meet your human resources goals and workforce needs.
You Want Cost-Effective Retirement Benefits
401(k) PLUS is an attractively priced way to provide you and your employees with an important retirement benefit. As the plan sponsor, you'll pay a one-time fee to set up the plan and a modest annual fee for plan administration. We can structure most of your plan's fees so that the cost is shared between the plan sponsor and participants.
You're Not Sure What Kind of Plan to Offer
The professionals of Guardian Retirement Services - our expert team of retirement benefit specialists - will work with you and your Financial Professional, guiding you through important decisions. These decisions may include determining who should be eligible; deciding what an appropriate plan design will be for employer matching contributions; and how to structure your vesting schedule. Whatever your unique objectives and constraints, we'll help you develop a plan that's right for your company.
You Want a Choice of Investment Options
401(k) PLUS offers you funds from the RS Investments family of mutual funds - a menu of professionally managed funds spanning the full range of investment styles and asset classes. You can supplement these fund options with up to six funds from a selection of well-known investment companies, including A I M, Alliance Capital, American Funds, Franklin Templeton and Putnam.
You Are Interested in Taking Advantage of the Latest Technology
401(k) PLUS is a web-based retirement program, offering easy online plan installation and ongoing administration. Both sponsors and participants have 24-hour access to plan information through the Internet. Our web interface also provides convenient administrative features like online payroll processing, information gathering and reporting.
Your HR People Aren't Retirement Experts
They won't need to be if you choose 401(k) PLUS. Through this turnkey program, we perform all required testing, reporting and disclosure, including preparation of a signature-ready Form 5500 and discrimination testing. We also have representatives standing by to answer your questions - and web-based and voice response systems to assist your participants.
You're Not Saving Enough for Your Own Retirement
If you own or manage a business, it's easy to put off saving for the future. 401(k) PLUS helps make it easy for you to start working toward your own financial security, while providing a valued benefit for your employees at the same time. We can also help you structure your plan to maximize your own benefit.
Guardian Retirement Services (GRS), a leader in retirement plan administration, will provide you with an illustration using the particulars of your business. GRS has a wealth of experience and expertise in performing plan administration on all types of retirement plans. GRS has more than 40 years of experience in plan design, offering full-service turnkey installation and administration to plan sponsors of all sizes. We can help plan sponsors evaluate and implement a wide variety of plans, including 401(k), traditional profit sharing, age-weighted and new comparability profit sharing, and traditional and target money purchase plans. We specialize in designs that favor owners and highly compensated employees.
Recordkeeping Services
401(k) PLUS provides a full range of web-based recordkeeping, monitoring and reporting services through ExpertPlan, a leading Internet-based recordkeeping company. With all services available on the Internet and based on advanced systems technology, ExpertPlan offers exceptional benefits at the highest level of quality.
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