Retirement plan services
for employers

Your retirement plan must meet compliance
requirements, yet still be attractive to employees.

Personalized service with modern technology

AGH specialists can create a retirement plan that supports your organizational goals, drawing from a broad array of benefits products. We then work with you to personalize and implement the plan successfully by educating employees about the plan, assisting them in the enrollment process and handling all employee service needs.

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Our process & people

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A tailored solution for you

AGH Employer Solutions' specialists can create a retirement plan which supports your organizational goals, drawing from a broad array of benefits products. We then work with you to implement the plan successfully, helping you educate employees about the plan, assisting in enrollment and handling all employee service, including group education and one-on-one meetings with your staff.

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Personalized customer service

Employees who call in with questions will reach an AGH benefit specialist familiar with your organization's plan, rather than an anonymous call-center operator supporting dozens or hundreds of plans' callers. Our "high-touch" service, combined with the support of a sophisticated technology platform that automates and speeds up transactions, means we can offer much more customization and personalized client service.

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Specialized expertise

Expertise in this area doesn't end with regulatory expertise. Our retirement plan team helps organizations of all sizes and in various industries. With access to specialized resources, coupled with our experience, we can provide unique expertise to ensure your plan is in compliance and competitive in the marketplace.

Services overview

Learn more about our retirement plan services below:

Our retirement plan advisors handle almost all aspects of the Form 5500, from extracting relevant plan data to preparation of a signature-ready document for your review before we submit it through EFAST2. As with compliance testing, having your recordkeeper prepare the Form 5500 ensures that individuals with deep knowledge of your specific plan – and of ERISA, DOL and IRS regulations – are handling the completion, as well as delivering an accurate and timely filing. Learn more about our 5500 filing service.
Our affiliate AGH Wealth Management is keenly aware of the specific ERISA 3(21) and 3(38) requirements a plan sponsor must follow, as well as the associated fiduciary responsibility. The group's familiarity with retirement plan regulations means consultants can help you and your organization identify and implement the investment mix and educational offerings that meet your needs, your regulatory requirements and your business goals. See how our asset management service can help your organization.
For business owners, a personal financial plan can help clarify decisions about succession and estate planning, merger and acquisitions and other business transitions that may be necessary to achieve financial independence or other goals. For executives, financial planning services can offer a road map for wealth building and preservation. For everyone, personal financial plans can draw a complete picture of your current financial situation, contrast it with what you need to achieve your goals, and help you develop strategies to reach those goals. Learn more about our Certified Financial Planner™ service.
Organizations that offer retirement plans are required to undergo several types of compliance testing at least once a year. Our retirement plan recordkeeping delivers not only knowledgeable and responsive service to plan sponsors and participants, but also the convenience of handling compliance testing for our clients as well. By having AGH handle compliance, organizations ensure that critical requirements are taken care of by individuals already familiar with your organization and plan, thus reducing the staff time and resources required from your company. See how your organization can benefit from our compliance testing service.
Increasing Department of Labor emphasis on enforcement has led to more DOL audits for all organizations, which can result in significant penalties for noncompliance. Sponsors of plans of a certain size are required to have their plan audited annually by a CPA firm or risk disqualification of the plan and its tax-exempt status. AGH’s employee benefit plan audit practice is supplemented by the expertise of AGH’s sizable retirement plan recordkeeping practice. If questions related to DOL and ERISA regulations arise, our recordkeeping group is literally “down the hall” from our audit team. Learn more about our employee benefit plan audit service.
An employer who provides high-quality, ongoing and employee-focused retirement plan education can significantly decrease confusion about retirement plans and increase employee participation – saving time and money for the employer (plan sponsor). Our employee education programs are customized for the employer's goals and can be designed around the employer's workforce characteristics. Our educators schedule periodic on-site visits to meet with employees one-on-one or in group settings, based on employee needs. Learn more about the benefits our employee education service can provide for your organization.
In a plan review, AGH employee-benefits consultants analyze plan documents, investment costs and performance to determine the true costs of a retirement plan and its relative performance to industry benchmarks – both for the plan sponsor and the participants. If, after review, the plan's costs, structure or performance are not aligned with the organization's needs and fiduciary responsibility, we can design a retirement plan around meeting those goals. Learn more about our retirement plan benchmarking/plan design service.
Retirement plan recordkeeping requires a customer-oriented staff, a high degree of technological sophistication to deliver rapid and accurate responses to changes in fund elections, and a thorough understanding of ERISA, IRS, Department of Labor and security regulations. Learn more about the benefits our retirement plan recordkeeping service can provide for your organization.

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Meet the team

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Brad Bechtel

Senior Vice President
Employee Benefit Services

Mark Owens

Manager
Employee Benefit Services