共同雇主退休计划

设想一个不同的退休解决方案

SBAM understands what small businesses dislike about 401(k) plans – the cost, 时间和真正不了解自己的受托责任. The SECURE Act now allows employers from all industries and sizes to band together to create a new type of retirement plan: Pooled Employer Plan (PEP). Employers may now participate in a PEP instead of sponsoring a traditional 401(k) plan.

SBAM汇集了由TAG资源提供支持的雇主退休计划, 泛美, and Graystone Consulting solves the challenges small businesses face when offering a retirement plan. The SBAM PEP is cost effective and outsources administration and 责任 to reduce your fiduciary risk.

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考虑从SIMPLE IRA进行转换

There are many advantages to switching from a SIMPLE IRA to the SBAM 共同雇主退休计划 (SBAM PEP) including higher contribution amounts, 税收优惠, 潜在的成本节约和计划功能的灵活性.

If your company has outgrown its SIMPLE IRA plan, switching to a 401(k) plan is easy. 然而, you’ll want to begin discussing the process with your financial advisor now to follow the correct process.

玛雅吧2APP，我们会帮你玛雅吧2APP的合作伙伴, 泛美, to discuss the advantages of a 共同雇主退休计划 over a SIMPLE IRA and the steps involved to make the switch.

安全法案2.0
安全的2.该法案于12月29日签署成为法律, 2022, 作为《玛雅吧官网》的一部分. This legislation is intended to make it easier for businesses to offer retirement plans and for individuals to save for retirement.
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sam会员可获得特别储蓄 & 好处

我们为会员提供独家优惠，包括:

启动计划可能有资格获得高达5美元的资助,000美元的税收抵免，用于支付TAG每年的行政费用(为期3年).
Additional $500 annual credit for three years when a business establishes a retirement plan with automatic enrollment.
没有初始设置费用.

你必须是一个SBAM基本, 溢价, VIP或精英会员可参加sam联合雇主退休计划.

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成员证明

“I have worked on the employee benefits side of the financial services industry for over 25 years. The recent introduction of the pooled employer plan now available through SBAM has me very excited. 在我看来，竞争非常激烈, 最终使玛雅吧官网更能负担得起401k计划. Several of my customers are seeing this as a viable option either to add to their employee benefits offerings or change from the current simple IRA plan. 我认为这是真正的游戏规则改变者.”

凯文•Mannor 业主- LUTCF, HIC
曼诺金融集团 密歇根州萨吉诺

成员证明

“SBAM的雇主共同401k计划是我们公司的完美解决方案. 当我发现和他们一起工作很容易时, their top level customer service and strong plan options combined with a significant cost savings – making the switch from our current third party provider was an absolute no-brainer.”

谢丽·威尔士，总统 & 首席执行官
威尔士 & 同事, 密歇根州卡拉马祖

成员证明

“SBAM’s pooled employer plan gives us the flexibility to maintain our current 401k plan offering for our employees while transferring nearly all the compliance work, 责任, 通讯及通知规定. 我们可以保持我们的投资顾问关系, but shift all the risk and responsibility over to the PEP professional team. This will help us grow our plan long into the future without worrying about additional overhead and compliance 责任”

米兰·甘地，业主
Med-Share公司. 菲尔德

我们的行业领先的合作伙伴背后的解决方案.

作为汇集计划解决方案的先驱，泛美将为我们的玛雅吧官网成员提供这些工具吗, 资源, 和专业的支持，帮助您的员工追求更健康的, 更安全的未来. With more than 85 years of experience helping people prepare for retirement they are one of the most recognized, 金融服务领域值得信赖的名字.

35年来， 格雷斯通咨询公司-法明顿山， 摩根士丹利的一项业务 has delivered insightful solutions and best-in-class service to institutional investors, 小企业主, 企业领导人. The group offers advanced 资源 and fiduciary services for the administration of our retirement plan and helps our small business members integrate their company into their retirement and wealth transfer plans.

标签的资源 is the SBAM 共同雇主退休计划 Administrator and a Named Fiduciary. It is their job to perform all functions necessary to keep your plan compliant and is responsible for the day-to-day operations of your plan. 作为美国最大的端到端退休计划提供商, TAG is recognized nationally for pioneering unique pooled Retirement Programs, bundling retirement plans together in a service model previously only available for very large companies.

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让我们来分析一下

了解联合雇主计划

PEPs expand access to retirement plans for all workers by allowing employers from unrelated industries to join a pooled plan arrangement. 好处 to the adopting employers include increased administrative efficiencies, 降低信托风险, 以及潜在的成本节约.

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雇主退休计划的五大支柱

TAG acts as your company’s 401(k) support team, so you don’t have to act as a retirement expert. TAG充当计划发起人与DOL和IRS之间的缓冲区, 并努力使每个计划符合所有适用的法律.

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消除你的财务负担

TAG takes on the highest level of fiduciary 责任 by serving as a Named Fiduciary on the SBAM 共同雇主退休计划 solution. This makes TAG responsible and accountable for operational and investment oversight.

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你是否在退休计划中承担了太多责任?

As a small-business owner, you have a lot on your plate beyond managing and growing your business. You know it’s important to offer your employees a retirement program to help them save for the future. You also know a high-quality retirement plan can help attract and retain valuable talent as your business continues to grow.

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退休对小企业的影响

退休计划是吸引人才的重要商业策略, 控制成本, 确保员工的财务未来.

Many Americans who save for retirement do so through an employer-sponsored 401(k). 但是将近一半的美国人.S. 劳动力(47.3%) may be missing out on an important tool for securing their financial futures.

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Opportunities for Small Businesses to Participate in a Pooled Retirement Plan

The Setting Every Community Up for Retirement Enhancement (SECURE) Act was signed into law on December 20, 2019年作为年终支出法案的一部分. With retirees living longer, the SECURE Act endeavors to enhance benefits from 401(k) plans and IRAs. It also helps Qualified Employer Plans provide benefits for their employees.

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