Employee Retirement Plans

Help your employees save for and transition to retirement with confidence.

How do you provide retirement planning services and benefits
that meet your employees' needs?

There’s more to retirement planning than selecting a plan and offering it to your employees. The plan must be a good fit for everyone’s needs, from management to entry-level employees. Whether you’re a start-up or an established business, a non-profit or government agency, the challenge is to build an employee retirement plan that simplifies your administrative efforts, meets the needs of a multi-generational workforce, and is structured and delivered in a way that promotes enrollment.

What We Offer

Your HUB Retirement Services professional can help structure any of the following plans:

For-Profit Companies
Profit Sharing and 401(k)
Employee Stock Ownership Plan (ESOP)
Defined Benefit
Non-qualified 409A Deferred Compensation

Non-Profit Organizations
403(b)
“Top hat” 457(b)

Governmental Entities
Governmental 457(b)

*HUB Retirement and Private Wealth employees are Registered Representatives of and offer Securities and Advisory services through various Broker Dealers and Registered Investment Advisers, which may or may not be affiliated with HUB International. Insurance services are offered through HUB International, an affiliate.

Build the Right Plan

We can help you evaluate all the areas that impact your employee retirement planning:

Vendor Benchmarking
We evaluate and rank your prospective investment firm partners according to a variety of measures. We use an agnostic and data-driven approach to identify potential investment firm partners.

Forecasting and Budgeting
We analyze your employee population and benchmark against your peers in order to offer an appropriate plan design and predict your contribution-matching commitment moving forward.

Auto-Enrollment and Auto-Escalation
Through auto-enrollment, we can help you pursue optimal levels of participation, making it easier for everyone to plan and budget for pre-tax financial commitments. Likewise, we help set up an auto-escalation program to help coordinate an ordered phase-in of pre-tax contributions.

Compliance Oversight
We help you establish your eligibility rules and contribution-matching guidelines, as well as keep you informed on new and evolving legislative and regulatory changes.

Supplemental Plan Framing
We can help you frame supplements to your main plan, like non-qualified, 409(a) deferred compensation plans so that certain employees who may have maxed out on their 401(k) have other options for tax-deferred savings.

Employee Support

Retirement planning can feel daunting to your employees. But with HUB, you can get them started. We’ll work with you to design employee retirement plans that consider their long-term goals. You’ll not only help them navigate their long-term goals, you’ll also work toward your goals for recruitment, retention, and employee engagement.

As a partner in your retirement planning and administration, HUB’s Retirement Services team* will help relieve your planning and administrative burdens. We back up our commitment to your plan’s success by serving as co-fiduciaries to share your risk.

Your HUB Retirement Services professional can help structure any of the following plans:

For-Profit Companies
Profit Sharing and 401(k)
Employee Stock Ownership Plan (ESOP)
Defined Benefit
Non-qualified 409A Deferred Compensation

Non-Profit Organizations
403(b)
“Top hat” 457(b)

Governmental Entities
Governmental 457(b)

We can help you evaluate all the areas that impact your employee retirement planning:

Compliance Oversight
We help you establish your eligibility rules and contribution-matching guidelines, as well as keep you informed on new and evolving legislative and regulatory changes.

HUB International 2021 Outlook
The Unexpected Consequences of COVID

Understand how the fallout from the coronavirus pandemic will impact retirement plan sponsors

Read our 2021 outlook

How the SECURE Act Will Change Retirement and What Employers Need to Know

Watch the on-demand webinar to learn more about the key provisions and its potential impact on retirement plan sponsors and participants.

Watch Now

Understand and Manage Your Fiduciary Risk

Case Study: Fostering a Compliant and Equitable Retirement Plan for all Participants

Proper investment oversight is essential to the success of your retirement program yet many companies don’t fully understand the subtleties of investment fees and commissions and are often unaware that they may have significant fiduciary exposure.

Read the Study

6 Exposures To Watch For In Your Company’s Retirement Plan Management

Your 401(k) plan is a critical benefit for attracting and keeping employees in a competitive environment. But effective retirement plan management is a complex business, all the more so given the fiduciary responsibilities involved. It’s important to be aware of exposures that could lead to big problems.

Read the Blog

Handle with Care: Your Group Retirement Plan

Mismanagement of your employees’ retirement and health plans can expose you and your company to significant liabilities.

Watch the video

Considerations To Guide Your Search for Your Company’s Fiduciary Retirement Plan Advisor

Sponsoring an employee retirement plan requires you to demonstrate adequate prudence in overseeing its investments and day-to-day administration. Sharing the fiduciary risk with a qualified partner is a smart way to go but, first, here are the issues you need to consider.

Read the Blog