Services for Companies

We are the right team to handle your company's retirement plan needs!

The Only Call You’ll Have To Make

One of the things that makes us stand out is our "one-stop-shop" approach. Our professional staff is experienced at providing personalized service to both you and your participants. We have the answers you need, when you need them. We'll administer the plan, handle the investments, and can give advice to your employees (if you want us to.) If you have a local advisor that you want to work with, they can do the tasks they prefer to do and have knowledge in, while we come alongside them to do everything else to maintain the plan. For example, if they prefer to meet with the business owners and employees, we’ll take care of everything else that needs to be done. This allows business owners and participants to have someone local that they can work with while not creating a lot of labor for their advisor in areas where they don’t have the experience or systems in place to run the plan efficiently. Additionally, participants have 24-hour access to their account information via our automated phone system and can view and initiate transactions via our interactive website.

Retirement Plan Administration

Our retirement plan team at Alliance provides full-service administration for defined contribution retirement plans, tailoring them to best fit the needs of your company. We strive to provide service in an accurate and timely manner at a reasonable cost.

Investment Philosophy

Our investment philosophy involves using investment options that meet our stringent screening criteria, while focusing on the long–term investor. We are not tied to, nor do we receive commissions from, any fund family. This allows us to serve your needs without an obligation to sell the preferred products of other fund, brokerage, or investment companies. We complete independent evaluations of a full range of mutual funds in order to create an investment menu appropriate for your needs and then regularly monitor each investment option, automatically making changes to the investment lineup when we feel it is appropriate.

SERVICES FOR THE PLAN FIDUCIARIES

Fiduciary Liability - We accept fiduciary liability in writing for the work we do.

Plan Consulting - We develop a plan that meets the goals of the company and then regularly review the provisions to make sure that the plan continues to meet the company’s goals.

Monitoring - We select and monitor appropriate investments for the plan, by picking and choosing from thousands of investment options in order to create a menu that uses only highly rated investments in each category.

Self-Directed Brokerage Accounts - We can design the plan to allow participants (or even their outside advisor) to invest in individual stocks, bonds, or mutual funds of their choice.

Documentation - We provide all Plan Documents and Amendments.

Reconciliation and Plan Audits - We regularly reconcile the plan to make sure that everything is accurately accounted for and assist with Plan Audits when necessary.

PLAN ADMINISTRATION

Eligibility & Vesting - We determine and track participant eligibility & update vesting percentages.

Matching & Profit-Sharing Contributions - We allocate any matching and profit-sharing contributions made to the plan.

Recordkeeping - We establish and maintain a participant account for each plan participant; tracking contributions, distributions, and any gains or losses.

Pricing & Valuation - We update participant accounts daily according to changes in account values.

Participant Loans - We create and process loan paperwork & account for all principal and interest payments on outstanding participant loans (if allowed by the plan).

Discrimination Testing - We perform annual required tests to prove compliance with regulations, including ADP/ACP, Top-Heavy, general non-discrimination, and any other coverage testing that may be required; along with verifying limits under annual additions testing.

GOVERNMENT REPORTING

From 5500 Preparation and Filing - We prepare and file the annual Form 5500 on your behalf.

Distributions - Forms 1099 and 945 are prepared and filed on your behalf.

PARTICIPANT SERVICES

Educational and Enrollment Program - We have a customized multi-media educational and enrollment program for your newly eligible participants and for ongoing employee update meetings. If you use a local advisor, we can provide the materials to them so that they don’t need to create their own presentations / materials.

Asset Allocation - Participants are busy and often lack the knowledge and comfort to invest their retirement plan money. For participants who elect this service, we create Asset Allocation Models using the available options from the investment menu and monitor the asset allocations on a regular basis. We can also automatically change the model that they are in over time, so that as they age, the risk profile of their account will automatically adjust.

Customized Retirement Savings Analysis - We help employees determine their savings needs through a retirement savings analysis customized to them. If you have a local advisor, this helps save them time and provide better service by creating the foundation of the plan for them. They can then sit down with participants and adjust assumptions with them one-on-one.

Answer Participant Questions - We provide a call center to answer participants’ questions about the plan. For investment or financial planning questions, the call center will pass the call on to either your local advisor or to our internal advisors, depending on what services your advisor elects to provide for the plan.

Interactive Internet & Telephone Access - We provide access for employees to get their account information and make changes 24 hours a day.

Participant Statements - We provide easy to read (and customizable) quarterly participant statements.

Services for Companies

SERVICES FOR THE PLAN FIDUCIARIES

​

Fiduciary Liability - We accept fiduciary liability in writing for the work we do.​

​

Plan Consulting - We develop a plan that meets the goals of the company and then regularly review the provisions to make sure that the plan continues to meet the company’s goals.​

​

Monitoring - We select and monitor appropriate investments for the plan, by picking and choosing from thousands of investment options in order to create a menu that uses only highly rated investments in each category.​

​

Self-Directed Brokerage Accounts - We can design the plan to allow participants (or even their outside advisor) to invest in individual stocks, bonds, or mutual funds of their choice.​

​

Documentation - We provide all Plan Documents and Amendments.​

​

Reconciliation and Plan Audits - We regularly reconcile the plan to make sure that everything is accurately accounted for and assist with Plan Audits when necessary.

​​

PLAN ADMINISTRATION

​

Eligibility & Vesting - We determine and track participant eligibility & update vesting percentages.​

​

Matching & Profit-Sharing Contributions - We allocate any matching and profit-sharing contributions made to the plan.​

​

Recordkeeping - We establish and maintain a participant account for each plan participant; tracking contributions, distributions, and any gains or losses.​

​

Pricing & Valuation - We update participant accounts daily according to changes in account values. ​

​

Participant Loans - We create and process loan paperwork & account for all principal and interest payments on outstanding participant loans (if allowed by the plan).​

​

Discrimination Testing - We perform annual required tests to prove compliance with regulations, including ADP/ACP, Top-Heavy, general non-discrimination, and any other coverage testing that may be required; along with verifying limits under annual additions testing.

GOVERNMENT REPORTING

​

From 5500 Preparation and Filing - We prepare and file the annual Form 5500 on your behalf.

​

Distributions - Forms 1099 and 945 are prepared and filed on your behalf.

​

PARTICIPANT SERVICES

​

​​

​

​

Interactive Internet & Telephone Access - We provide access for employees to get their account information and make changes 24 hours a day.

​​

Participant Statements - We provide easy to read (and customizable) quarterly participant statements.

​​

We're here to help.

Fiduciary Liability - We accept fiduciary liability in writing for the work we do.

Plan Consulting - We develop a plan that meets the goals of the company and then regularly review the provisions to make sure that the plan continues to meet the company’s goals.

Monitoring - We select and monitor appropriate investments for the plan, by picking and choosing from thousands of investment options in order to create a menu that uses only highly rated investments in each category.

Self-Directed Brokerage Accounts - We can design the plan to allow participants (or even their outside advisor) to invest in individual stocks, bonds, or mutual funds of their choice.

Documentation - We provide all Plan Documents and Amendments.

Eligibility & Vesting - We determine and track participant eligibility & update vesting percentages.

Matching & Profit-Sharing Contributions - We allocate any matching and profit-sharing contributions made to the plan.

Recordkeeping - We establish and maintain a participant account for each plan participant; tracking contributions, distributions, and any gains or losses.

Pricing & Valuation - We update participant accounts daily according to changes in account values.

Participant Loans - We create and process loan paperwork & account for all principal and interest payments on outstanding participant loans (if allowed by the plan).