Retirement Planning

401(k) Retirement Plans - Prepare Your Workforce
Experts estimate that Americans will need 60 to 80 percent of their pre-retirement income to maintain their current standard of living when they stop working. Is your workfore prepared?

IRA Based Plans

Payroll Deduction IRA

An easy option for employers who do not want to set up a full 401(k). Employees opt for small, tax-deductible contributions each payroll that are deposited into an IRA by the employer.

SEP (Simplified Employee Pension)

Employers contribute a uniform percentage of pay for each employee but contributions do not need to be made each year. SEPs have low start up and operating costs and are flexible with contributions, making this an attractive option with unique businesses.


Employees put aside a certain percentage of each paycheck and the employer must match dollar-for-dollar (up to 3% of total salary) or match 2% for all employees, regardless of individual contribution.

Defined Contribution Plans

Traditional 401(k)

Contributions are taken from each paycheck and employers have the option to match part or all of deferrals. Choose between traditional (tax deferred) and Roth (after-tax) for a variety of tax saving options.

Safe Harbor 401(k)

Intended to encourage participation from all ranks within your company through simple setup and administration. Provides benefits for highly paid employees whose contributions would be limited by traditional 401(k)s.

Auto Enroll 401(k)

This plan is for employers who want a high level of participation and have highly compensated employees who may be limited by a traditional 401(k).

Profit Sharing

Discretionary contributions can be divided among employees based off predetermined guidelines. Options for guided profit sharing plans are available.

Investment Options

Guided Funds

TelePayroll offers a variety of mutual funds and investment options through our guided retirement funds. Enjoy having options without needing to spend hours researching the best picks.

Predefined Funds

Through our partnership with Transamerica Financial, we can offer predefined funds that make starting a retirement fund extremely simple and best fit the needs of each employee.

Managing Your Plan

TelePayroll offers simple and effective ways to manage your retirement plan and stay on top of your savings. Feel confident that your money is being invested to match your retirement goals and keep you on track.

Participant Website

Your employees can view and update account information, change fund choices, check returns on each investment, and view transaction history from an intuitive online dashboard.

Employer Website

Access reports about participants and investments, modify retirement plan options, and eliminate much of the administrative burden through your employer online account.

Toll-Free Support Line

Participants and employers can call in to update their accounts, ask about account balances, and stay up-to-date with their retirement plan administration.

Tax Advantages

Retirement plans have many tax benefits that can help save your employees and your company thousands of dollars each year. Take advantage of the present tax savings along with helping your company save for the future.

Non-Taxed Contributions

Traditional 401(k) and IRA plans allow your contributions to be tax deductible and can provide big savings for both participants and employers. Withdrawals will be taxed when you take money from your retirement account.

Non-Taxed Deductions

Roth 401(k) and IRA plan contributions are taxed initially, but all withdrawals from your retirement account are tax free.