Retirement Plans
Defined Contribution
BPAS makes workplace retirement plans easier for employers, advisors, and participants. With one provider, one powerful platform, and all the support you need, our end-to-end model streamlines administration, reduces HR workload, and helps participants retire with confidence.
What We Do
What Defined Contribution services does BPAS provide?
We offer a unified approach that makes plan administration simpler, saves you time, and delivers a better participant experience.
Key benefits of BPAS Defined Contribution services:
- Auto-enrollment & escalation
- Online enrollment & beneficiary designation
- Real-time eligibility & vesting updates
- Loan outsourcing
- BPAS University mobile app
- Live web self service for plan sponsors and participants
- 3(16) fiduciary support
- 180- and 360-degree Payroll integration
Why Choose Us
Why choose BPAS for your Defined Contribution Plan?
BPAS delivers all the essentials in one place: recordkeeping, administration, clearing, and custody, with true open architecture on investments. Our wholly-owned subsidiary, Hand Benefits & Trust (HB&T), provides clearing and custodial functions as part of our bundled solution. This model cuts plan management time for clients by up to 50% through compliance testing, Form 5500 preparation, audit support, and much more.
Dedicated professionals are at the heart of everything we do. Every plan comes with a dedicated consultant who knows your business inside and out, while participants benefit from mobile access, a full library of educational tools, a financial wellness center, and a U.S.-based call center–keeping employees engaged along their journey to a secure future.
Plan Types We Support
What retirement plans does BPAS support?
With our ability to handle any plan design, we easily support a wide variety of workplace retirement plans, including:
- 401(k)
- 403(b)
- 457(b)/(f)
- Profit Sharing
- Money Purchase
- Davis Bacon
- Taft-Hartley
- Non-qualified
- Puerto Rico 1081
- MEPs
- METs
- PEPs
- ESOPs/kSOPs
Looking for more flexibility?
Check out our Tailored Plans for custom, unbundled solutions.
Ready to get started?
Elevate your retirement plans today by contacting us at [email protected] or 1-866-401-5272.
Frequently Asked Questions
Yes. BPAS offers open-architecture investment access, allowing plans to use a broad range of investment options without proprietary restrictions.
Participants have access to BPAS University, online enrollment tools, and clear welcome communications. Financial intermediaries may manage participant support directly or choose to outsource it to BPAS.
Yes. BPAS has experience supporting plans that include employer stock, including ESOP and KSOP structures.
BPAS supports a wide range of organizations, including startups, for-profit and nonprofit employers, churches, unions, Taft-Hartley plans, METs, and MEPs.
Yes. BPAS prepares signature-ready Form 5500 filings and completes required compliance testing. Ongoing review of census data helps identify and address potential issues before year-end.
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