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Retirement plans are not "one-size fits all". There is no single method for selecting the right retirement plan. Each small business and every small business owner is unique and must consider their own goals and priorities.



Four key questions that help to identify the best retirement plan solution are;

  • Is the employer willing to accept a mandatory funding requirement of at least 3% of covered payroll?

  • How much does the employer want to contribute to the plan on a consistent basis?

  • Which employees are targeted to benefit the most from the plan?

  • What is the employer's tolerance of administration and set-up costs?


Rothrock Payroll Services works with several providers to provide a full array of retirement plan options. From plan selection to discrimination testing to completion of annual Form 5500 returns, Rothrock makes retirement plan administration easier.


One solution that Rothrock has developed is the Multiple Employer 401k Plan.




The professionals at Rothrock are often asked about retirement plan options. Employers want to ensure that their pension costs go to the employees and not to annual administrative costs. In addition to limiting annual administrative costs, employers always want to mitigate their fiduciary liability. To meet these and other recurring desires, Rothrock created the Multiple Employer 401K/Profit Sharing Plan. Here is a quick overview.

Unaffiliated employers join or "adopt" into the plan and this enables the employers to pool their resources so that:

  • Annual administrative costs are lower.

  • Investment options increase.

  • Reduce plan compliance.

  • Mitigate employer fiduciary liability.

  • Provide features small employers could not afford by themselves; such as online participant tools.

The plan is completely customizable and while it isn't the best answer for every employer, it is a good option for many employers. Some features include:

  • The plan is overseen by an independent entity that bears the fiduciary responsibility for administering the plan.

  • The plan uses a Third-Party Adminstrator (TPA) to ensure compliance with the law, tracks participant eligibility, vesting, manages the website and call center, and issues statements.

  • The TPA also maintains the plan documents (these provide direction on how the plan operates) and updates plan documents for changes in pension laws.

  • Investment options that include;

  • Online participant tools.

  • Investment fact sheets and background data for each investment.

  • Daily Valuation website for participants.

  • Quarterly statement mailed to participants.

  • Ongoing employee education program.

  • Broad range of Investment Options that include;


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