The plan that works for you

The USA Retirement Savings Plan is a Multiple Employer Plan that gives smaller businesses access to quality retirement services and solutions that may not otherwise be available.

Why join a Multiple Employer Plan?

  • Simple, minimal administration

  • Transfers your risk and fiduciary liability

  • Keeps you compliant amid ever-changing rules and regulations

  • Offers the scale of a larger retirement plan at a best-value price

Your partnership is enhanced with industry leadership:

Participant education and resources provided by Empower Retirement

The Empower participant experience:

  • Translates savings into estimated monthly income in retirement
  • Connects health and wealth for a holistic retirement planning experience
  • Offers next steps to help boost income in retirement
  • Provides a convenient way to adjust contributions and rebalance a portfolio
  • Allows a participant to make immediate changes to their portfolio
  • Delivers a top-rated mobile app
  • Offers online requests for loans, distributions and hardships
  • Provides annual fee disclosure statements
  • Offers onsite participant education

Great-West Financial®, Empower Retirement and Great-West InvestmentsTM are the marketing names of Great-West Life & Annuity Insurance Company, Corporate Headquarters: Greenwood Village, CO; Great-West Life & Annuity Insurance Company of New York, Home Office: New York, NY, and their subsidiaries and affiliates, including registered investment advisers Advised Assets Group, LLC and Great-West Capital Management, LLC.
USA Retirement Savings Plan is not affiliated with Great-West Life & Annuity Insurance Company, Great-West Life & Annuity Insurance Company of New York or their subsidiaries and affiliates.

Fiduciary support from 3(38) investment manager SageView Advisory Group, LLC

  • Selects and monitors plan investments in accordance with the Investment Policy Statement (IPS)
  • Provides professional asset allocation solutions that are suited to each participant’s needs
  • Monitors fees to ensure they are reasonable
  • Advocates for plan sponsors by negotiating below-market investment costs whenever possible

Administrative support from 3(16) plan administrator Pentegra Retirement Services

  • Provides employee notices
  • Interprets and enforces plan documents
  • Ensures IRS and Department of Labor compliance
  • Includes an ERISA attorney as part of the compliance team
  • Ensures flexibility in plan design
  • Signs and files the 5500 as the plan administrator
  • Accepts nearly all responsibilities and powers of an ERISA fiduciary