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Transamerica Introduces DWC 401(k) Pooled Plan Solutions, An Innovative 401(k) Offering for Employers

Transamerica Introduces DWC 401(k) Pooled Plan Solutions, An Innovative 401(k) Offering for Employers

Transamerica推出DWC 401(k)联合计划解决方案,这是为雇主提供的创新401(k)产品。
PR Newswire ·  12/03 06:01

BALTIMORE, Dec. 3, 2024 /PRNewswire/ -- Transamerica today announced the launch of DWC 401(k) Pooled Plan Solutions, an innovative offering designed to streamline retirement plan management for businesses of all sizes. These solutions empower employers by reducing administrative burdens and fiduciary risks while offering flexible, professionally managed retirement plans.

巴尔的摩,2024年12月3日 /PRNewswire/ -- Transamerica 今天宣布推出 DWC 401(k) 养老金共池计划解决方案,这是一个创新的产品,旨在简化各类企业的养老计划管理。这些解决方案通过降低行政负担和信托风险,同时提供灵活、专业管理的养老计划,赋能雇主。

DWC 401(k) Pooled Plan Solutions feature the expertise of DWC - The 401(k) Experts, Transamerica and Leavitt Retirement Partners, ensuring that businesses can manage their retirement plans with greater ease and confidence. With two plan options under a single recordkeeping structure, employers can implement either The DWC 401(k) Retirement Plan Exchange solution or The DWC 401(k) Pooled Employer Plan (PEP). The unique nature of this structure allows employers the flexibility to change retirement plan structures to accommodate growth without any disruption to their employees. The PEP can also support certain grandfathering of mandatory provisions forthcoming with Secure 2.0 for existing plans that qualify.

DWC 401(k) 养老金共池计划解决方案结合了 DWC - 401(k) 专家、Transamerica 和 Leavitt 养老合伙人的专业知识,确保企业能够更轻松自信地管理其养老计划。雇主可以在单一记录结构下实施 DWC 401(k) 退休计划交易所解决方案或 DWC 401(k) 养老金共池雇主计划 (PEP) 的两个计划选项。这种结构的独特性质使得雇主能够灵活改变养老计划结构,以适应增长,且不会对员工造成任何干扰。PEP 还可以支持即将推出的 Secure 2.0 中某些强制性条款对符合条件的现有计划的祖父条款。

"With DWC 401(k) Pooled Plan Solutions, we're providing businesses the flexibility to adapt their retirement plans as they grow, without the hassle of a full plan conversion," said Keith Clark, managing director at DWC. "This flexibility makes it easier for employers to scale their plans to meet changing needs, all while maintaining simplicity and efficiency."

“通过 DWC 401(k) 养老金共池计划解决方案,我们为企业提供了在增长过程中调整其养老计划的灵活性,无需进行全面的计划转换,” DWC 的董事总经理凯斯·克拉克表示。“这种灵活性使雇主能够更轻松地扩展其计划以满足变化的需求,同时保持简便和高效。”

Employers who adopt these plans will benefit from reduced fiduciary responsibilities, simplified administrative tasks, and potential cost savings. Through the PEP's single audit feature, employer 401(k) plans with over 100 participants with balances may benefit from significantly reduced audit costs and are no longer solely responsible for dealing with the annual plan audit.

采用这些计划的雇主将受益于减少信托责任、简化行政任务和潜在的成本节省。通过 PEP 的单一审计功能,参与者超过 100 的雇主 401(k) 计划的余额可能会显著减少审计成本,并且不再完全负责进行年度计划审计。

"Workplace retirement plans are essential in helping employees prepare for a secure financial future, but the complexities involved can be overwhelming for many employers," said Darren Zino, head of retirement distribution at Transamerica. "With DWC 401(k) Pooled Plan Solutions, we're offering a streamlined, flexible approach that reduces fiduciary risk and administrative burdens, allowing employers to focus on growing their businesses while providing valuable benefits to their employees."

“工作场所养老计划在帮助员工为安全的财务未来做准备方面至关重要,但所涉及的复杂性对许多雇主来说可能是一个巨大的负担,” Transamerica 退休分销业务负责人达伦·齐诺表示。“通过 DWC 401(k) 养老金共池计划解决方案,我们提供了一种简化、灵活的方法,降低了信托风险和行政负担,使雇主能够专注于发展业务,同时为员工提供有价值的福利。”

Whether through the Exchange or the PEP, employers gain access to a 3(38) investment manager responsible for selecting and monitoring investments, a 3(16) plan administrator overseeing daily plan operations, and a comprehensive support team of third-party administrators, recordkeepers, and fiduciary service providers.

无论通过交易所还是PEP,雇主均可获得3(38)投资经理负责选择和监控投资,3(16)计划管理员监督日常计划运作,以及由第三方管理员、记录保持者和受托服务提供者组成的全面支持团队。

"As the 3(38) investment fiduciary, we deliver quality investment services with the highest degree of fiduciary protection," said Taylor Dance, managing director and consultant for Leavitt Retirement Partners. "Our collaboration with Transamerica and DWC will help countless individuals achieve financial security in retirement."

“作为3(38)投资受托人,我们提供高质量的投资服务,确保最高程度的受托保护,”Leavitt Retirement Partners的董事总经理和顾问Taylor Dance表示。“我们与Transamerica和DWC的合作将帮助无数人在养老时实现财务安防。”

For more information on how DWC 401(k) Pooled Plan Solutions can simplify your retirement plan management, contact Transamerica at (888) 401-5826 or email [email protected].

有关DWC 401(k)汇集计划解决方案如何简化您的养老计划管理的更多信息,请联系Transamerica,电话(888) 401-5826或发送电子邮件至[email protected]。

Retirement Plan Exchange is a registered service mark of Transamerica. The Exchange solution is a collection of single employer-sponsored plans that may share a common plan administrator, named fiduciary, investment menu, and plan year. Unlike a multiple employer plan (MEP), certain plan qualification and ERISA requirements are applied at the individual plan level. Pooled employer plans (PEPs) are a newer type of multiple employer plan for which the Department of Labor (DOL) and IRS guidance is still pending in a number of areas. An employer participating in a PEP retains certain fiduciary responsibilities, including responsibility for retaining and monitoring the Pooled Plan Provider (PPP) and any named fiduciary, for determining the reasonableness of its plan fees, and for periodically reviewing the plan as a whole. Nothing in this communication should be construed as the commencement of operations by a PPP prior to registration as a PPP. Among other responsibilities, the PPP acts as the ERISA 3(16) Plan Administrator.

养老计划交易所是Transamerica的注册服务商标。交易所解决方案是一系列由单一雇主赞助的计划,这些计划可能共享一个共同的计划管理员、指定受托人、投资菜单和计划年度。不同于多雇主计划(MEP),某些计划的资格和ERISA要求在个别计划层面上适用。汇集雇主计划(PEPs)是一种新型的多雇主计划,劳动部(DOL)和国税局(IRS)在多个领域的指导尚待发布。参与PEP的雇主保留某些受托责任,包括监督和监控汇集计划提供者(PPP)及任何指定受托人的责任,确定其计划费用的合理性,并定期审查整个计划。此通信中的任何内容不应被解释为PPP在注册为PPP之前开始运营。除了其他责任外,PPP充当ERISA 3(16)计划管理员。

Before adopting any plan, sponsors should carefully consider all of the benefits, risks, and costs associated with a plan. Information regarding retirement plans is general and is not intended as legal or tax advice. Retirement plans are complex, and the federal and state laws or regulations on which they are based vary for each type of plan and are subject to change. In addition, some products, investment vehicles, and services may not be available or appropriate in all workplace retirement plans. Plan sponsors and plan administrators may wish to seek the advice of legal counsel or a tax professional to address their specific situations.

在采用任何计划之前,发起人应仔细考虑与该计划相关的所有利益、风险和费用。有关养老计划的信息是一般性的,并不构成法律或税务建议。养老计划是复杂的,所依据的联邦和州法律或法规因计划类型而异,并可能随时变更。此外,一些产品、投资工具和服务在所有工作场所养老计划中可能不可用或不合适。计划发起人和计划管理员可能希望寻求法律顾问或税务专业人员的建议,以应对其特定情况。

About DWC - The 401(k) Experts
DWC is a consulting firm providing third party plan administration (compliance and government reporting), actuarial, and consulting services to over 7,000 qualified retirement plans nationwide. To learn more about DWC - The 401(k) Experts, please visit .

关于DWC - 401(k)专家
DWC是一家咨询公司,为全国超过7,000个合格的养老计划提供第三方计划管理(合规和政府报告)、精算和咨询服务。要了解更多关于DWC - 401(k)专家的信息,请访问。

About Leavitt Retirement Partners
Leavitt Retirement Partners (LRP) is dba of Global Retirement Partners, LLC ("GRP".) GRP is registered as an investment advisor with the United States Securities and Exchange Commission. GRP specializes in supporting independent financial advisors across the country who are focused on the corporate retirement plan space. We support this effort by providing our Investment Advisory Representatives ("IAR") with the tools and resources to meet client needs and objectives. With our dynamic and experienced team, GRP provides investment advisory and management services to individuals, pension and profit-sharing plans, trusts, corporations, and other business entities.

关于Leavitt养老合作伙伴
Leavitt养老合作伙伴(LRP)是全球养老伙伴有限公司("GRP")的注册名称。GRP在美国证券交易委员会注册为投资顾问。GRP专注于支持全国范围内的独立财务顾问,这些顾问专注于企业养老计划领域。我们通过为我们的投资顾问代表("IAR")提供满足客户需求和目标的工具和资源来支持这一努力。凭借我们充满活力和经验丰富的团队,GRP为个人、养老金和利润分享计划、信托、公司和其他业务实体提供投资顾问和管理服务。

About Transamerica
With a history that dates back more than 100 years, Transamerica is a leading provider of life insurance, retirement, and investment solutions, serving millions of customers throughout the United States. Transamerica's dedicated professionals focus on helping people live their best lives through saving, investing, and protecting their loved ones. Transamerica is dedicated to building America's leading middle market life insurance and retirement company, with unique access to the large and growing middle market consumer via World Financial Group and US retirement recordkeeping. Transamerica provides a broad range of quality individual life insurance policies, workplace supplemental insurance benefits, workplace retirement plans, individual retirement accounts, and investment products including mutual funds, annuities, stable value solutions, as well as investment management services.

关于Transamerica
拥有超过100年历史的Transamerica是美国领先的人寿保险、养老金和投资解决方案提供商,为全美数百万客户提供服务。Transamerica的专业人员致力于通过储蓄、投资和保护所爱的人来帮助人们过上最好的生活。Transamerica致力于打造美国领先的中产阶级人寿保险和养老金公司,通过World Financial Group和美国养老金记录保持与大型不断增长的中产阶级消费者的独特联系。Transamerica提供广泛的高质量个人人寿保险政策、工作场所附加保险福利、工作场所退休计划、个人退休账户以及包括共同基金、年金、稳定价值解决方案以及投资管理服务在内的投资产品。

In 2023, Transamerica fulfilled its promises to customers, paying more than $47 billion in insurance, retirement, and annuity claims and benefits, including return of annuity premiums paid by the customer. Transamerica's head office is in Baltimore, Maryland, with other major operations in Cedar Rapids, Iowa, and Denver, Colorado. Transamerica is part of the Aegon group of companies. Each Aegon company is solely responsible for its own financial conditions and contractual obligations. Headquartered in the Netherlands, Aegon is an international financial services holding company.

2023年,Transamerica兑现了对客户的承诺,支付了超过470亿美元的保险、养老金和年金赔款和福利,包括客户支付的年金保费的返还。Transamerica的总部位于马里兰州巴尔的摩市,主要在爱荷华州锡达拉皮兹市和科罗拉多州丹佛市进行运营。Transamerica是荷兰Aegon集团的一部分。每个Aegon公司都对自己的财务状况和合同义务负责。

For more information, visit .

欲了解更多信息,请访问网站。

Media inquiries:

媒体查询:

Email: [email protected]

电子邮件: [email protected]

Hank Williams
(319) 355-7789

汉克·威廉姆斯
(319) 355-7789

Erin Yang
(303) 383-5295

Erin Yang
(303) 383-5295

SOURCE Transamerica

来源:Transamerica

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