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We specialize in retirement plans for small- to medium-sized businesses and work with you to select and implement the right plan.
Then we provide support you need for years to come.
Quality Products
Our variable annuity products have a broad range of portfolio options to help diversify any retirement account.
Quality Service
Our representatives help you select the right retirement plan and create a customized proposal.
Then we continue to work with you as you introduce the plan to your employees.
In addition to the basic plan designs described below, we can also help you with more sophisticated plan designs, such as Safe Harbor, Age Weighted and Super Comparability plans.
401(k) - A Comprehensive Retirement Plan
The 401(k) plan, the most popular retirement plan option for large- and medium-sized companies, can also be a good choice for some small businesses.
Options include tax-deductible company matching contributions and/or profit sharing contributions.
401(k) Benefits
- Optional Employee Participation
- High Contribution Limits
- Flexible Contributions
- Vesting Schedule
SIMPLE IRA - An Easy Way to Save
The Savings Incentive Match Plan for Employees (SIMPLE IRA) is an economical way for an employer to sponsor a retirement plan. Employees can elect to defer a portion of their compensation into the plan and you make a matching contribution. The plan's contribution requirements are flexible, so it tends to be appealing to small-business owners. To sponsor a SIMPLE IRA, an employer must have 100 or fewer employees and must not maintain other qualified plans.
SIMPLE IRA Benefits
- Optional Employee Participation
- Higher Contribution Limits
- Simplicity
- Immediate Vesting
- Tax Savings
SEP IRA - A Better Choice for Small Businesses and the Self-Employed
The Simplified Employee Pension (SEP) plan is a low cost retirement plan that enables employers to make discretionary tax-deductible contributions for themselves and their eligible employees. In most cases, there are no Internal Revenue Service reporting requirements, and the paperwork is minimal.
Establishing a SEP plan requires setting up an IRA for each eligible employee. You contribute directly to your employees' IRAs, and have the flexibility to control the amount from year to year.
SEP IRA Benefits
- Generous Contribution Limits
- Cost Flexibility
- Little Paperwork
- Immediate Vesting
- Tax Savings
For more information on the services and plans we offer, please e-mail or call the Group Retirement Plans team at (800) 789-6771, ext. 10600 with your questions. If you are a client interested in purchasing an Annuity Investors Life contract, we will direct you to an agent in your area.
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