A retirement benefits solution for any size company

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.


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Seven reasons why you should choose 401(k) PLUS

Reason #1

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.

Reason #2

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.

Reason #3

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.

Reason #4

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, AllianceBernstein, American Funds, Columbia and First American.

Reason #5

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.

Reason #6

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.

Reason #7

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 brings you retirement benefits from an industry leader
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.

About our 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.

A one-stop solution for your retirement benefits needs
401(k) PLUS can provide businesses of every size with quality administration, a flexible menu of investments, online access and dedicated support - all in a single, cost-efficient program.

For More Information

For more information about the distinctive advantages of how investing with Guardian might help you reach your financial objectives, talk to your investment professional. He or she can help you decide which of our products may be appropriate for you.

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