• CONTACT INFO
  • COMPANY INFO
  • SITE INFO - CREDITS & INDEX
Hello.  We're Pension Systems Corporation, the heart and soul behind 401k Easy Online.  How can we be of service?

contact info...

Contact us by Phone, E-mail or Online

phone: 1-800-660-0050
e-mail: sales@401k-network.com
online: submit questions using the form below

To speak with one of our knowledgeable 401k representatives about specific customization aspects of 401k Easy Online, please submit a 401k plan order form and check the "Unsure. Please contact..." button for any item(s) about which you would like further information. Submitting an order form IN NO WAY OBLIGATES you to purchasing 401k Easy Online; it just gives us the information we need regarding your potential plan to best answer your 401k questions.

To speak with one of our knowledgeable 401k representatives about converting an existing 401k plan for use with 401k Easy Online self-service plan administration and participation, please submit a Conversion Plan order form, again checking "Unsure. Please contact..." for any items about which you would like further information (and, again, in no way obligating you to actually ordering anything).

For all other inquiries, give us a call or send us an e-mail; if you like, complete and submit the below form.

Contact Information...
Company Name:
Contact Person:
E-mail Address:
Phone Number: -
Fax Number: -
Check One: I prefer to be contacted via e-mail.

I prefer to be contacted by phone. Best time(s) to call:
Check any that apply: Contact me about deciding on our prospective 401k Easy Online plan's options.

Contact me about converting our existing 401k plan into a 401k Easy Online run-it-ourselves 401k plan.

Contact me about talking to a licensed Registered Representative about choosing investments for our prospective 401k Easy Online 401k plan.

Contact me about becoming a 401k Easy Online Referral Partner and earning $200 for every qualifying 401k Easy Online purchase referred by me. (Did someone refer YOU to 401k Easy Online? Please put in the person's, company's, or organization's name or web address below in the "How did you hear about us?" field.)
Comments (if any):
How did you hear about 401k Easy Online?
  

return to topics menu (page topics)

company info...

Pension Systems Corporation Holds the Patent on Its Highly Regarded Self-Service 401k Technology

The Wall Street Journal said the following about our self-service 401k software back when we introduced it in 1999:

  • "(It) allows small businesses to manage 401k plans as easily as a consumer navigates family finances with programs such as Quicken" ("Web Helps Small Firms Start 401(k)s," 12/27/99, C1).

Our 401k software and customized 401k plan proved so innovative in the 401k forum that it's patented. Features that are proving particularly popular with clients include...

  • Point-and-click compliance testing with results in seconds
  • Safe harbor plan administration functions
  • Monthly participant activity statements
  • 401k loans, with automatic balance calculations and automatic payment withdrawals from qualifying contributions
  • Employer matching, profit sharing and qualified nonelective contribution functions (if any such contributions)
  • The ERISA 404c compliance log, which records fulfillment of every request for 401k information of any kind made by an employee

return to topics menu (page topics)

company info...

The Patented Software Grew From Years of Full-Service 401k Plan Administration Experience

For more than a decade before developing our revolutionary self-service 401k system, we operated as a valued full-service provider of 401k, 403b and other government-sanctioned retirement plans.

  • Back then, as now, we specialized in plans for small and mid-sized businesses. In fact, we were providing small businesses with affordable plans rich in investment options and plan flexibility long before other 401k providers showed any interest in the small plan market.

Back then, as now, we found that by diverging from the "big plan" administrative setup used by most of the 401k industry, that rethinking the areas that were particularly inefficient, we could cut administrative overhead and save clients money. For instance...

  • In traditional 401k plan administration, assets are pooled within investments. The plan administrator must then track what portion of the pool belongs to each plan participant. We found this undesirable from the individual investor's standpoint and redundant from an administrative standpoint. So we had the mutual fund companies instead set up INDIVIDUAL asset accounts for each plan participant, negating the need for us to do any per-asset accounting because done by the investment company and detailed in the monthly account statement that each plan participant received from that company. So what we focused on was supplying plan participants with complementary "401k Account Activity" statements that showed the participant how much money came into his or her account (broken down into salary deferrals, employer contributions, incoming rollovers, trust transfers, etc., as applicable) and how much money went out of his or her account (broken down into 401k loans, distributions, etc., as applicable). Our statements of course also noted any loan repayments and other activity, as relevant, as well as the investments into which the participant was currently directing incoming money (for example, 25% to Investment A, 25% to Investment B and 50% to Investment C). So from us plan participants got a breakdown as to how much money entered and exited their account that month (and year and to-date), then from the investment company they got a breakdown of the actual value of that money as invested in each of the participant's designated investments. A much more useful, efficient and complementary (rather than duplicative) system, if we do say so ourselves.
  • We also created a prototype 401k plan for the IRS to approve that allowed for any of a range of choices for participant eligibility, employer contributions, 401k loans, and more to give clients the potential to create 401k plans that would prove popular with and beneficial to company employees. By using a single, pre-approved plan we saved a great deal of administrative time at each plan's set up; by allowing for lots of pre-approved customization flexibility within that plan, we ensured that clients could design plans truly suited to their needs — not to mention, amend their choices later, if their needs changed.
  • As a result of all that plan flexibility (including unbeatable investment flexibility), our plans see participant rates that are nearly twice the national average.
  • Finally, we developed our own 401k administration software to suit our streamlined administration schema.
  • Our highly efficient software system allowed us to provide valued services — monthly participant account statements and monthly compliance testing, for instance — at no extra charge. Both the frequency of our services (other plans offered them, at best, quarterly or semiannually) and that they were offered at no extra charge was unheard of at the time We knew clients would like the zero price tag, but what really inspired us was the importance of the items. Frequent compliance testing, for instance, is particularly important to smaller plans because small plans, by definition, have fewer participants, and with fewer participants it only takes slightly out of balance contributions by one or two highly compensated employees to overly offset those by non-highly compensated employees. With testing run every month with the contribution processing, companies immediately know if their plan is getting out of balance and can take corrective measures long before the IRS-mandated year-end tests must be run.

By the mid 1990s we had so refined our software system that we saw the possibility that our clients could use a slightly more layman's version to run their 401k plans themselves (and thereby save even more money), that this would be particularly doable if the software was customized to each client's exact plan design choices (investment options, loan policies, etc.), because that would mean that processing could be even more automated. We recognized how simple it would be particularly for companies with 100 or fewer plan participants to do the basic data input and money transferring themselves, because the software does all the bookkeeping work. Our goal became to build a self-service 401k system from our in-house, full-service system and to make that system highly affordable yet flexible and of the highest quality.

In the end, the system we created enabled small business clients to spend less than 15 minutes a month running their company plan and at a cost of less than $1000 year (less than $500 a year for small businesses with only a very few employees). A rounding success for all concerned!

return to topics menu (page topics)

company info...

Pension Systems Corporation Brought the 401k to a Higher Level

When 401k plans first came on the scene in the late 1970's, all the industry focus was on the big, big companies. Lots of employees meant lots of investment dollars meant lots of revenue for the 401k providers and investment companies. Everything from fee schedules to service regimes was set up to capture and service large 401k plans.

Before long, though, the big plan market was all divvied up. By the late '80s and early '90s some 401k providers developed pared-down 401k plans with which to approach the less colossal businesses. They called the plans "bundled" or "turnkey" plans, because using them was designed to be as simple as turning a key.

  • Bundled/turnkey plans usually come as a preset package of administration plus investments; "prefabricated" is an alternate adjective that's often used.
  • Turnkey plans are highly simplified, pared-down versions of the full-fledge 401k plans offered to high-paying companies.
  • Turnkey plans take the decision-making out of creating a 401k plan. They are akin to buying an off-the-rack suit, though: It may fit fine or it may not, but you're stuck with it if there's no tailoring available.
  • Turnkey plans offer a reduced price in exchange for reduced service, far fewer investment choices, and inflexible plan "options."
  • Many small and mid-sized companies have adopted turnkey plans, frustrated by the lack of flexibility and truncated service but glad, nonetheless, to have at least some kind of 401k plan for their employees. 401ks rank #2 in employee benefit choices; only health insurance gets more votes.

We, however, did not see the turnkey plans being developed as necessarily the best (or even a good) answer. So while most 401k providers lopping off desirable aspects of their big-business 401k system to create something that was supposed to woo small business clients, we opted to instead develop a 401k system specifically for small and mid-sized clients.

We created what we call a semi-bundled plan. It merged the simplicity and lower cost of turnkey plans with the flexibility and scope of many Fortune 500-type plans.

  • We developed an innovative approach that allowed plans to include investments from multiple mutual fund companies — for no additional charge. Not only were our clients NOT limited to a preset investment bundle, they had an almost unlimited array of mutual fund families from which to select their plans' investments.
  • We used IRS-approved prototype documents that allowed plan design flexibility, not to mention popular features such as loans, various types of employer contributions and various administrative approaches (the safe harbor approach, for one). None of the turnkey plans offered such investment and design flexibility.
  • We created an administrative system that complemented rather than replicated the administrative work being performed by third-party administrators, saving everyone time — and money. We then passed these savings on to our clients.
  • We were one of the first (and remain one of the few) 401k providers to offer MONTHLY employee statements and MONTHLY compliance testing — at no additional charge, nonetheless.

return to topics menu (page topics)

company info...

Pension Systems Corporation Specializes in Affordable, Flexible 401ks for Small and Medium-Sized Companies

While most vendors in the 401k industry were scrambling for the big company 401ks, we were concentrating on creating plans suited to small and medium-sized companies. We made sure our plans contained the diverse features and offerings small-scale companies needed at prices they could afford.

  • Since the mid-1980's we have catered to small and medium-sized companies, providing them with quality full-service plans. We even created a division focused on developing a self-service approach to 401k plan administration and participation (namely, 401k Easy Online).
  • Over the years, many of our clients' businesses have grown substantially. Because our 401k plans allow for wide investment selection and a range of plan options that can be amended at any time, the plans have been able to grow and adapt to clients' burgeoning work-forces.

We keep our 401k plans flexible to clients' needs and changes in those needs, because, however affordable a plan may be, it is of little use if ill-suited to the client's needs.

  • Flexible means investment choice — real investment choice, like the entire lineup of Ameritrade self-directed discount brokerage account investments, not some mini-mix of proprietary investments.
  • Flexible means giving employers say over their plan's participation requirements.
  • Flexible means not mandating employer contributions, but allowing them for companies that want to contribute to their employees' accounts.
  • Flexible means letting companies select the rate at which they'll make matching, profit-sharing and or qualified non-elective contributions, if any.
  • Flexible means letting companies choose the vesting schedule(s) they want for any employer matching and/or profit-sharing contributions being made.
  • Flexible means letting employers choose how often they want to open up their plan to new participants (annually, quarterly, monthly...)
  • Flexible means creating plans employers are proud to offer to employees; plans with the inherent flexibility to grow and adapt to any changes in needs over the years.

return to topics menu (page topics)

company info...

Pension Systems Corporation Knows Employees Appreciate Investment Choice

Even if plan participants only rarely change or add to their investment mix during the life of their 401k participation, they like to know they COULD.

  • Receiving a 401k enrollment package that offers only a few investment choices rarely goes over well. Investors feel tentative, penned-in — uncertain that this 401k will be the best long-run savings vehicle for them.
  • Receiving a 401k enrollment package that offers a broad spectrum of investments gives employees the confidence that, however their savings goals and temperament may change in the years between now and retirement, this 401k has the latitude to meet their retirement investing needs.
  • We allow clients to choose families of mutual funds from any of hundreds of providers and/or self-directed brokerage accounts (Schwab, Ameritrade, etc.), which make available to the investor basically all publicly traded investments permitted by the IRS to accept 401k contributions. No spectrum of investments is broader than self-directed brokerage accounts.
  • Stocks, bonds, mutual funds, and more are all available with 401k Easy Online self-directed discount brokerage accounts.

return to topics menu (page topics)

company info...

Pension Systems Corporation Knows Employers Like Saving Money But Need Quality and Asset Security

The driving force behind our self-service 401k software is making 401k plans affordable to small and mid-sized companies while making the plans appealing to their employees.

  • We never compromise quality in our pursuit of a low price.
  • Our 401k plans are employer-trusted, which means our clients save themselves the annual trustee fees they'd have to pay with many other plans.
  • Providing clients with quality service, quality tools, tremendous investment choice and plan flexibility drive our every system and system development.

return to topics menu (page topics)

company info...

Pension Systems Corporation Knows Employers Appreciate Our Money-Back Guarantee

As you may have surmised, we really believe in 401k plans and strive to create the best 401k plans possible. We spent years designing, developing, refining and testing our self-service 401k system and are confident that we've come up with a system that can meet a wide variety of 401k needs yet is easy to use.

To help potential 401k clients gain the same confidence in our innovative approach to 401k affordability, we back 401k Easy Online with a money-back guarantee:

  • If, for any reason, you're dissatisfied with 401k Easy Online and contact us within 60 days of receiving your customized system, we'll refund the annual fee you paid for 401k Easy Online (the annual fee is the fee that varies with plan size; click here to view a pricing chart, or visit our Pricing and Price Comparisons section of this web site).
  • We cannot, however, refund the first-year-only one-time 401k plan and 401k plan administration software customization fee (a fixed $995 per plan; again, visit our Pricing and Price Comparisons page for details).

Because the customization fee is non-refundable, we highly recommend people try out 401k Easy Online before ordering their customized system. Visit our System Demos section to access the online demos.

The above pretty much covers our 401k Easy Online money-back guarantee, but feel free to visit our official Money-Back Guarantee section of our Pricing page.

return to topics menu (page topics)

company info...

Pension Systems Corporation's Roots Stretch Back to the 401k's Early Years

Pension Systems Corporation founder, James Gilbert, has been a professional 401k investment advisor for more than 20 years. His career began shortly after the time when the 401k plan first was introduced.

  • In his early years, Jim became frustrated by the unwillingness of traditional 401k providers to create 401k plans that fit the needs and budgets of small and medium-sized companies.
  • The 401k providers were applying fee schedules and service regimes (not to mention high participation minimums) to all 401k clients despite that the parameters were relevant only to large companies.
  • The few available "lower-cost" 401k plans were turnkey plans, which were off-the-rack 401k plans with severely limited investment choices and inflexible plan "options" (such as no loans, preset participation eligibility parameters, and no employer contributions — or worse yet, mandatory employer contributions at a preset rate).
  • In 1986 Jim and some like-minded colleagues formed Pension Systems Corporation (PSC) with the goal of creating affordable, flexible 401k plans for small and medium-sized companies.
  • The company created The 401k Solution, full-service 401k designed around an IRS-approved prototype plan that had numerous, pre-approved options to give clients plan flexibility while keeping administrative costs down.
  • The company created an administrative system that complemented rather than replicated the administrative work being performed by the investment custodian(s), saving everyone time — and money.
  • For the first time, small and medium-sized companies had access to flexible, quality 401k plans at an affordable price.

We continue to provide full-service 401k plans as well as 403(b) plans (for nonprofit organizations), SEPs (for self-employed persons) and other government-sanctioned retirement savings plans along with our self-service systems, 401k Easy Online and 401(k) Easy for the PC.

return to topics menu (page topics)

site info...

Site Credits

Site design and implementation, including copy editing, by Pixel Relish (www.pixel-relish.com; info@pixel-relish.com). Content copyright, Pension Systems Corporation.

return to topics menu (page topics)

site index...

401k Easy Online Home

Enhance your small business retirement benefits package with a quality 401k plan that costs as little as $695 a year. Simply process your 401k administration data in-house using 401k software customized to your exact retirement plan.

For more, visit this site's home page.

return to topics menu (page topics)

site index...

401k Basic Concepts

Topics covered:

  • 401k plans are defined contribution plans
  • The plan sponsor
  • The plan vendor
  • Third-party administrators
  • Auto enrollment
  • Employee contributions
  • Employer contributions
  • 401k investments
  • 401k investing and tax-deferred saving
  • Withdrawals and 401k loans
  • ERISA participant rights protections
  • IRS compliance testing
  • Safe harbor 401k plan administration
  • Economic Growth and Tax Reconciliation Act of 2001 (EGTRA)
  • 401k-type plans for one-person businesses

Visit Basic 401k Concepts.

return to topics menu (page topics)

site index...

401k Frequently-Asked Questions

Topics covered:

  • 401k Easy Online's three main advantages
  • 401k Easy Online vs. other 401k plans
  • 401k Easy Online's prototype plan
  • 401k plan conversions
  • Full-service 401k plans
  • Free 401k plan setup assistance
  • You are never locked into run-it-yourself administration
  • Employer contribution types and flexibility
  • Vesting flexibility for employer contributions
  • Part-time workers
  • 401k loans
  • 401k hardship withdrawals
  • 401k investments, including self-directed brokerage accounts
  • Annual 401k plan administration software renewals
  • Eligible employees and plan costs
  • IRS compliance features
  • IRS compliance testing features
  • Year-end tax reporting features
  • Plan administration simplification features

Visit Frequently-Asked 401k Questions.

return to topics menu (page topics)

site index...

401k Plan Conversions

Topics covered:

  • Plan conversions take only a few days
  • 401k Easy Online plan conversions typically cost $500 or less
  • Save 60% to 90% a year by converting your 401k plan to a 401k Easy Online 401k plan
  • Continue using your current plan investments, or add new ones
  • Getting started
  • You're never locked into run-it-yourself plan administration

Visit our Design & Order page to read more about our 401k plan conversion flexibility.

return to topics menu (page topics)

site index...

401k Plan Pricing + Price Comparisons

Topics covered:

  • Price list
  • Setup fee is a one-time charge
  • Price comparisons
  • Everything is included
  • Money-back guarantee
  • Free technical support
  • Free 401k plan conversions
  • Free IRS reporting help
  • No trustee fees
  • Even taxes, shipping and handling are included

Visit 401k Easy Online Pricing + Price Comparisons.

return to topics menu (page topics)

site index...

401k Federal Reporting, 401k FedForms

Topics covered:

  • 401k FedForms is free IRS federal reporting help for 401k Easy Online clients
  • 401k FedForms web site topics
  • 401k FedForms is updated annually
  • 401k FedForms is not tax advice

Visit our 401k Support sections for more about 401k FedForms.

return to topics menu (page topics)

site index...

401k Related Reading

Topics covered:

  • About the small plan market
  • About pension fraud and malfeasance
  • About retirement plan costs

Visit our Pressroom for 401k-related reading.

return to topics menu (page topics)

site index...

401k Software Demo

Topics covered:

  • About the free software demo
  • The software is built on years of professional 401k experience
  • Free software demo access
  • Tour the 401k Easy Online system

Visit 401k System Demos.

return to topics menu (page topics)

site index...

About Our Company, Pension Systems Corporation

Topics covered:

  • Who we are
  • We've taken the 401k to the next level
  • A tremendous improvement over traditional bundled 401k plans
  • We're committed to creating affordable, flexible 401k plans

Visit About Pension Systems Corporation.

return to topics menu (page topics)

site index...

Business Development Alliance Opportunities with 401k Easy Online

Topics covered:

  • Referral Partner program
  • Nonprofit Association Referral Partner program
  • System Tie-in Partner program
  • SEC Registered Investment Advisors Alliance program
  • Retail Distribution Partner program
  • CPA Alliance program
  • VAR/OEM Partner program
  • Patent Licensee Program

Visit the 401k Easy Online Business Development Alliance Programs.

return to topics menu (page topics)

site index...

Contact Information

Topics covered:

  • Contact us by phone, e-mail or online
  • Contact us about ordering your 401k plan, converting an existing 401k for use with 401k Easy Online, choosing your plan's 401k options or choosing your 401k software's plan administration options

Visit Contact Information.

return to topics menu (page topics)

site index...

Employment Opportunities

Topics covered:

  • 401k plan setup consultant opportunities
  • The 401k Easy Online Referral Partner program

Visit Employment Opportunities with Pension Systems Corporation.

return to topics menu (page topics)

site index...

ERISA 404c Compliance Features Within 401k Easy Online

Topics covered:

  • Adequate investment guidance opportunity is a key ERISA 404c parameter
  • Retirement investing guidance services and why to tell employees about them
  • Investing guidance can be paid for by participants or employers
  • Listing of independent investing guidance services
  • 401k Easy Online 404c compliance features
  • 404c compliance and using self-directed brokerage accounts for your 401k plan investments
  • Your 401k plan's required ERISA bond

Visit ERISA Compliance for Your 401k Plan.

return to topics menu (page topics)

site index...

Features + Benefits of 401k Easy Online

Topics covered:

  • Significant savings — year after year
  • Flexible plan size and 401k options
  • Operational control
  • Asset control
  • Save time
  • Everything from one reliable source
  • ERISA 404c compliance features
  • Regulatory know-how
  • Free 401k technical support
  • Conversion to an outside administrated 401k plan is always an option

Visit 401k Easy Online System Features.

return to topics menu (page topics)

site index...

Free Online System Demos

Topics covered:

  • Launch the Plan Sponsor Gateway demo
  • Introduction to self-service plan administration via your plan-specific 401k Plan Sponsor Gateway
  • Plan configuration functions
  • Day to day plan administration functions
  • Forms and reports functions
  • Security features
  • Launch the Plan Participant Gateway demo
  • Introduction to self-service plan participation via your plan-specific 401k Plan Participant Gateway
  • Participants update information themselves
  • Participants monitor, model and apply for loans, transfers and distributions themselves
  • Participation is more than simply password protected

Visit Free Online System Demos.

return to topics menu (page topics)

site index...

Free Plan Options

Topics covered:

  • Our IRS-approved prototype 401k plan allows for significant customization
  • Your customization options
  • Additional recommended parameters
  • The safe harbor administration option
  • You are never locked into your option decisions

Visit Free Plan Options.

return to topics menu (page topics)

site index...

Free Technical Support

Topics covered:

  • Free technical support
  • Continuing support: The Easy Support Program (ESP)
  • ESP fees + free services chart
  • Please note

Visit Free Technical Support.

return to topics menu (page topics)

site index...

Full-Service 401k System

Topics covered:

  • System 2: THE 401K SOLUTION - Online full-service plan administration + online self-service plan participation

Visit Full-Service 401k System.

return to topics menu (page topics)

site index...

Glossary of 401k Terms

Topics covered:

  • 12b-1 fees
  • Annual management fee
  • Asset allocation fund
  • Automatic enrollment
  • Back-end load
  • Balanced fund
  • Beta
  • Bond fund
  • Broker/dealer
  • Bundled plan
  • Class A fund
  • Class B fund
  • Class C fund
  • Compliance test
  • Corporate bond fund-general
  • Corporate bond fund-high yield
  • Declining load
  • Deferred fees
  • Discrimination testing
  • Emerging growth fund
  • Equity-income fund
  • ERISA
  • Exit charge
  • Expense ratio
  • Fiduciary
  • Foreign stock fund
  • Form 5500
  • Front-end load
  • Full-service plan
  • Fund family
  • Fund manager
  • Government bond fund-general
  • Growth fund
  • Growth and income fund
  • Highly-compensated employee
  • Index
  • Load (load fund)
  • Management fee
  • Money market fund
  • Mutual fund
  • Mutual fund company
  • NASD
  • Net asset value (NAV)
  • Negative elections
  • No-load fund
  • Passive enrollment (aka, automatic enrollment, negative elections)
  • Plan sponsors
  • Plan vendors
  • Portfolio
  • Prospectus
  • Rollover
  • Russell 2000
  • S&P 500 index
  • Sales charge
  • SEC (securities and exchange commission)
  • Service requirement
  • Shares
  • Specialty fund
  • Stock fund (aka, equity fund)
  • Summary annual report
  • Summary plan description (SPD)
  • Third-party administrator
  • Ticker symbol
  • Vesting
  • World bond fund
  • World stock fund
  • Warp fee

Visit 401k Glossary.

return to topics menu (page topics)

site index...

Guarantee / Money-Back Guarantee

Topics covered:

  • 60 day money back guarantee
  • You are never locked into self-service plan administration

Visit 401k Glossary.

return to topics menu (page topics)

site index...

Investments for 401k Easy Online Plans

Topics covered:

  • View lists of potential investments
  • You choose your plan's investments - mix and match as you please
  • Mutual funds are a popular choice with 401k investors
  • Self-directed brokerage accounts offer unparalleled investment flexibility
  • Limiting your 401k investment selection to a family of no-load mutual funds can discourage over-trading
  • Help is available with choosing your plan's 401k investments
  • Things to consider in choosing your plan's investments
  • It's easy to get investment performance information
  • Risk, return and 401k investing
  • Watch for hidden fees
  • Common investment types
  • Common investment terms
  • Common investment objectives
  • The three principles of successful investing
  • Additional important information

Visit Investments for 401k Easy Online Plans.

return to topics menu (page topics)

site index...

Key Reasons to Choose 401k Easy Online

Topics covered:

  • What is 401k Easy Online?
  • Why do companies choose 401k Easy Online? Unmatched affordability, investment flexibility and convenience.
  • Self-service plan administration is both simple and powerful
  • Self-service plan participation is both quick and complete
  • The money-back guarantee — you're never locked in

Visit 401k Easy Online System Features for the Key Reasons to Choose 401k Easy Online.

return to topics menu (page topics)

site index...

Legal Notes

Topics covered:

  • General comments
  • Trademarks, patents, copyrights
  • Warranties
  • Applicable laws
  • Links and linked sites
  • Information you transmit
  • Investments and investing
  • General information
  • End-user software license agreement

Visit Legal Notes.

return to topics menu (page topics)

site index...

Order 401k Easy Online

Topics covered:

  • New plans, conversions plans, plan options
  • 401k Easy Online is for new and already-existing 401k plans
  • Complete the appropriate order form: NEW PLANS
  • Complete the appropriate order form: CONVERSION PLANS
  • Complete the appropriate order form: ONE-PERSON PLANS
  • No money due at this time: The order fulfillment process
  • Help with completing your order form
  • You can use the order form to request plan-specific information
  • You are never locked in to your customization decisions — or even to using 401k Easy Online

Visit Order 401k Easy Online.

return to topics menu (page topics)

site index...

Order 401k Easy Online for One (One-Person 401k Plans)

Topics covered:

  • 401k Easy Online-for-One Order Form

Visit Order 401k Easy Online-for-One Order Form.

return to topics menu (page topics)

site index...

Order 401k Easy Online to Replace an Existing Retirement Plan

Topics covered:

  • 401k Easy Online Conversion Plan Order Form

Visit 401k Easy Online Conversion Plan Order Form.

return to topics menu (page topics)

site index...

Plan Options for 401k Easy Online Plans

Topics covered:

return to topics menu (page topics)

site index...

Press Releases

Topics covered:

  • Press releases
  • Related reading about the pressures on the smaller plan market
  • Related reading about pension fraud and malfeasance
  • Related reading about plan costs

Visit 401k Easy Online Press Room.

return to topics menu (page topics)

site index...

Press Room Regarding Small Business 401k Plans

Topics covered:

  • (see previous topic)

return to topics menu (page topics)

site index...

Pricing + Price Comparison Charts

Topics covered:

  • PRICE ADVANTAGE: 401k Easy Online saves clients an average of 60% to 80% every year
  • US Department of Labor 401k cost comparison worksheet

Visit 401k Easy Online Price Comparisons.

return to topics menu (page topics)

site index...

Technical Support

Topics covered:

  • Free support and training to get your 401k off the ground
  • Continuing support: the Easy Support Program (ESP)
  • ESP fees + free services chart
  • Please note
  • ERISA compliance support
  • IRS reporting support

Visit Technical Support.

return to topics menu (page topics)

site index...

Tour 401k Easy Online

Topics covered:

  • Use the online demos to tour the system

Visit the online system demos to tour 401k Easy Online.

return to topics menu (page topics)


IN THIS SITE (spacer) HOME

click to close


PENSION SYSTEMS CORPORATION PRIVACY PLEDGE

At Pension Systems Corporation the interests of our clients always come first. As part of our firm's long tradition of trust, the confidentiality of client information has been and will continue to be paramount. We maintain high standards to safeguard your personal financial information at all times, and we will remain vigilant in protecting that information. We collect personal financial information to operate prudently and to meet legal and regulatory requirements. We never rent or sell your name or other personal financial information. We will only share certain information with companies not in our corporate family ("nonaffiliated third parties") as permitted by law for the purpose of servicing your financial needs. The recipients of that information are required to protect the confidentiality and security of that information and may not reuse it for any other purpose.

Information we request from you is designed to help us serve your needs. Pension Systems Corporation does not provide any personally identifying information submitted to us (via e-mail or any other means) to any third party. You can help us maintain the accuracy of your information by notifying us if there are any changes in your company's address, contact personnel, company phone number, e-mail address, etc.


QUESTIONS AND ANSWERS ABOUT THE PENSION SYSTEMS CORPORATION (PSC) PRIVACY PRACTICES

1. How does PSC protect the confidentiality and security of your information?

People:  We restrict access to your personal financial information to personnel who need that information to provide you with our systems and services. Our employee communications also reinforce our privacy policies.

Policies and Procedures:  We maintain and monitor our physical, electronic and procedural safeguards, updating them as needed so that we may guard your personal information.

Security:  We use leading security and encryption methods to help us identify and prevent data breaches and unauthorized disclosure of your personal financial information.

2. What information do we collect from and about you?
Depending on the nature of your relationship with us, we must obtain certain information to meet legal and regulatory requirements. In all cases, we collect only personal financial information that is either required or necessary to provide personalized financial services to you. We obtain information about you from application and other forms, such as name, address, Social Security number, telephone number and income. We collect information about your financial transactions, such as securities bought and sold, Visa and checking transactions, and fund transfers, with companies in our corporate family ("affiliates"). We may obtain information about you from third parties, such as a consumer report from a consumer reporting agency. We may verify income, identity or asset information about you.

3. What information do we disclose to affiliates about you?
We may disclose some or all of your personal information to our corporate affiliates, including transfer agents, banks, insurance companies and agencies, trust companies, mortgage bankers, securities broker-dealers; and investment advisers. We do this in order to offer you a broad range of systems and services and to comply with applicable regulations.

4. What information do we disclose to nonaffiliated third parties about you?
Pension Systems Corporation will, as necessary, use various services from nonaffiliated third parties. We use these external service providers for the purpose of supporting the financial systems and services we provide to you. For example, we provide information to external service providers so that your account statements can be printed and mailed. These parties must agree to comply with stringent security and privacy policies and procedures. We may also disclose information to government agencies and regulatory organizations when permitted or required by law.

5. What information do we disclose about former clients and to whom?
We may disclose some or all of a former client's personal information to government agencies and self-regulatory organizations when permitted or required by law, such as when required to file abandoned property reports and to comply with subpoenas and other official governmental requests. If a former client had a loan with us, we may report the performance of that loan to consumer reporting agencies.

click to close