Outperform Retirement with 401(k) Plans
Low-Cost Employee Plans
About 401(k) Plans
401(k) retirement plans are the most popular type of savings plans offered by employers which allow employees to make contributions on a pretax or Roth basis to help fill the retirement income gap. Participants can start, stop, increase or decrease contributions at any time.
The TCG 401(k) plan is designed to deliver the highest possible quality retirement plan while providing the lowest possible expenses. Our fee-based structure gives us an objectivity and independence that many investment firms lack. We are the kind of partner who will help you navigate the endless 401(k) options available.
Saving is Important
Studies show 7 in 10 Americans experience financial stress because they feel unprepared to face financial challenges. A savings plan can help provide peace of mind in knowing you’re building your nest egg one paycheck at a time.
Enjoy Tax Advantages
This plan enables tax savings now and in some cases later. Participants contributing on a pretax basis can postpone paying taxes until retired. Roth contributions pay taxes now but can get future bonuses.
Savings Grow Overtime
As time goes on, compounding interest, dividends, and capital gains can accumulate even higher earnings into your account. This means you’ll have more at your disposal when the day to retire comes around.
Solutions for Plan Sponsors
As a retirement plan provider, we can completely manage your organization’s 401(k) plan—focusing on delivering a seamless experience for you and your employees.
As the plan investment advisor, TCG adds a level of protection for your employees in helping determine the investment options provided to them. Our Investment Committee continuously reviews portfolio performance to ensure only the best plans are offered to your staff.
We provide comprehensive financial educational resources for plan participants as well as on-site seminars and live support from financial professionals.
Compliance & Administration
From secure online payroll data transfer platforms to daily processing of distributions, we strive to provide you and your employees a superb experience. We deliver:
- Record-keeping and participant reporting
- Plan compliance and legal support
- Transparent fee structures
- US-based customer service call center
We employ advanced technology to ensure you can easily transfer your payroll files and access all necessary employee reports. With our website management tools, you can:
- Enroll participants online
- Securely process transactions
- Generate reports
- Upload payroll files
Additional Plan Details & FAQ
Are there contribution limits?
Yes. For 2022, IRS limit you to contribute up to $20,500 if you are under the age of 50. Individuals over the age of 50 qualify to make an additional contribution of $6,500 for a combined total of $27,000.
What's the "Saver's Credit"?
Contributions Tax Credit, also known as the Saver’s Credit, means an individual may be able to take a tax credit of up to $1,000 ($2,000 if filing jointly) for making eligible contributions to an employer-sponsored retirement plan..
How do I enroll in a plan?
Visit the Plan Information link to get started. Enter the name of your employer and follow the instructions.
Can TCG manage my organization's existing 401(k) Plan?
Absolutely. We look forward to the opportunity to show you how we’re different from our competitors and how employing us as your plan administrator is the best move for your staff. Please send us a message and we’ll talk more.
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