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Employer Retirement Plans

We work with organizations like yours to build a headache-free company-sponsored retirement plan to meet the needs of your workforce.

We recognize that when it comes to the needs of your company and your participants, there’s no such thing as a one-size-fits-all retirement plan. That’s why we do things differently. It all starts with who we are—passionate people dedicated to seeing you and your employees thrive. We take a personalized approach to identifying your goals, and work with you hand-in-hand to build a plan that meets them. For us, retirement isn’t an afterthought. It’s our passion.

Retirement Plan Services Coverage

Our team has the deep knowledge needed to work with you where you are today, and get you where you want to go. From questions about financial well-being tools to fee management, plan compliance to investment management, we have the experience to find the answers you need.

Fiduciary Oversight

Enjoy knowing that every aspect of your retirement solution sets you and your plan participants up for a limitless future.

Plan Optimization

Imagine working with a partner who will take an active role in your plan design, cost management, and participant education.

Employee Engagement

Support your employees to plan for an on-time retirement, providing the knowledge and tools for meaningful investments based on your employees’ needs.

Investment Due Diligence

Although past performance doesn’t guarantee future results, you can feel confident knowing our investment due diligence provides you and the plan fiduciaries with a prudent and defined review process.

Meet Catherine, a retirement plan specialist.

Catherine Hoang

Sr. Account Executive, Retirement & Wealth
Dallas, TX

Learn More

Retirement Planning FAQ

Explore Marsh McLennan Agency's retirement planning solutions to promote financial planning and literacy within your company.

The type of plan you choose depends on your company and your employees' specific needs. Most often, organizations will have a 401(k) plan or a Savings Incentive Match Plan for Employees Individual Retirement Account, also known as SIMPLE IRA. 

While a retirement savings plan is beneficial to employees, employers can also benefit from it in a few ways:

  • Attract and retain talent
  • Tax credits for a new plan and/or a new automatic enrollment feature
  • Employer contributions may be deductible (to the extent that they do not exceed limitations described in section 404 of the Internal Revenue Code)
  • Potential tax deductions for paying 401(k) plan-related expenses
  • Elective deferrals and investment gains are tax-deferred until distribution

Marsh McLennan Agency recognizes every business is different. Our team of specialists can help you establish a plan that fits your business’s specific retirement benefits needs. We’ll work alongside you to design a plan that provides meaningful options for your employees and offers you direct access to ongoing support.

Our services will allow you to leverage industry expertise, insights, and analytics. With in-house counsel specializing in laws governing eligible employee benefits plans, you’ll have access to the latest regulatory information and support to help ensure plan compliance. You'll be confident knowing we are committed to mitigating your fiduciary risk and improving participant outcomes for the life of your plan.

Our consulting services include:

  • Employee communication
  • Fiduciary process
  • Financial well-being assistance
  • Proprietary investment monitoring
  • Risk mitigation

To establish a 401(k) plan for your company, follow these instructions:

  1. Consider hiring a Marsh McLennan Agency advisor to help you understand the complex requirements associated with operating a workplace retirement plan.
  2. Partner with a Third Party Administrator to adopt a written plan document that will govern how your plan is operated.
  3. Get together with your plan fiduciaries to select a recordkeeper and asset custodian with the expertise, technology, and experience to deliver best-in-class services.
  4. Work with your plan service providers to effectively communicate the company’s workplace retirement plan benefits to your employees.

While these two plans are similar, the key differentiating factor is whom they’re offered to. While many for-profit companies offer 401(k) plans, a 403(b) plan is an employer-sponsored retirement savings option that public schools, churches, and 501(c)(3) non-profit organizations offer.

These two options are quite similar, offering pre-tax accounts and tax-advantaged savings. Many 401(k) and 403(b) plans also accept Roth contributions, meaning an employee contribution and employer contribution would be made after the taxes are deducted from their income.

These options are among the most popular employer-sponsored retirement plans. We recommend you work with your advisor to choose which would be best for you.

An IRA allows an individual to save for retirement with tax-free growth or on a tax-deferred basis. There are three main types of IRAs typically available for companies to choose from for their employees:

  • Traditional IRA: Contributions may be tax-deductible in the year they are made, depending on your modified gross income and whether you participate in an employer retirement plan.
  • Roth IRA: Roth contributions can be made with money that’s already taxed, meaning your investments can grow tax-free. Like a Traditional IRA, it also depends on your modified gross income and whether you participate in an employer retirement plan.
  • Rollover IRA: Money can be moved from an old employer-sponsored plan such as a 401(k) into an IRA.

Contact an employee retirement plan specialist at Marsh McLennan Agency today.

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Click here to view our Form ADV Part 2A Brochure for Services to Employer-Sponsored Retirement Plans.

Click here to view our Form ADV Part 2A Brochure for MMA Prosper WiseSM Services.

Click here to view our Form ADV Part 2A Brochure for Personalized Advisory Services.

We are providing this information to you in our capacity as financial professionals  with knowledge and experience in the insurance and securities industries, and not as legal or tax advice. The issues addressed may have legal or tax implications to you, and we recommend you speak with your legal counsel and/or tax advisor before choosing a course of action based on any of the information contained herein.

Changes to factual circumstances or to any rules or other guidance relied upon may affect the accuracy of the information provided. Marsh & McLennan Agency LLC is not obligated to provide updates on the information presented herein. This website is solely for informational purposes.

Securities and investment advisory services offered through MMA Securities LLC (MMA Securities), member FINRA / SIPC, and a federally registered investment adviser with its main office at 1166 Avenue of the Americas, New York, NY 10036. Phone: (212) 345-5000. Investment advisory services additionally offered through MMA Asset Management LLC, a federally registered investment adviser with its home office at Eight Tower Bridge, Suite 1200, Conshohocken, PA 19428. Phone; (610) 684-3200. Variable insurance products distributed by MMA Securities LLC, CA OK 81142. Marsh & McLennan Insurance Agency LLC, MMA Securities LLC, and MMA Asset Management LLC are affiliates owned by Marsh & McLennan Companies. Investment advisory services for MMA Prosper WiseSM are offered solely as a registered investment adviser through MMA Securities. Certain of the investment adviser representatives of both MMA Securities and MMA Asset Management LLC are additionally registered representatives of MMA Securities.

A copy of our written disclosure statement discussing our advisory services and fees is available for your review upon request. Please consult a tax professional for specific tax inquiries and recommendations. Advisory services are only offered to clients or prospective clients where MMA Securities and/or MMA Asset Management, and its representatives, are properly licensed or are exempt from licensure. Past performance is no guarantee of future returns and investing involves risk and possible loss of principal capital. No advice may be rendered unless a client agreement is in place.

d/b/a in California as Marsh & McLennan Insurance Agency LLC; CA Insurance Lic: 0H18131.

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