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401(k) Plan

Smart Retirement Solutions for 401(k) Plans

  • Design and build solutions with the best fit and greatest value for plan sponsors and participants.
  • Operate within an open-architecture management system that goes beyond recordkeeping.
  • Work with a choice of leading custodial partners and fiduciary advisors.

Aspire delivers a full suite of smart retirement solutions for 401(k) retirement plans. Employers appreciate Aspire’s simple and effective way to help meet employee retirement needs with flexible and cost-effective solutions.

Smart retirement solutions respond to market needs

Being a leader in the industry means monitoring issues and trends—and knowing how to respond and deliver smart retirement solutions that address what the market needs and operate as business climates change. Aspire understands and knows how to:

  • Work with advisors who are seeking flexibility to leverage competitive advantage
  • Battle commoditization of advisors and TPAs by embracing new ways of doing business
  • Deliver solutions that help TPAs, advisors and plan sponsors deal with increased government regulation that pressures them to run a better plan
  • Address margin pressure for all players by delivering a reasonable flat-dollar fee for our recordkeeping services
  • Benefit from the use of lower-cost investments like institutional shares and ETFs
  • Gain market share as a highly specialized retirement advisor
Linking people, investments and technology

It’s an innovative technology-enabled platform that links the retirement planning community together to deliver smart solutions for any plan type independent of average account balance or plan size—enabling our partners and customers with strong economic value and competitive advantage through a cost-effective transparent pricing structure and fully built operational model.

Aspire’s open-investment proprietary platform—InvestLink—links to over 25,000 investment options including ETFs, collective trusts, stable value funds and any share class of mutual funds. We work with six different custodians allowing us to offer virtually unlimited choice in investments. This means no compromises when building the very best investment offering for a plan, enabling the ultimate in flexibility and customization for our TPAs, advisors, sponsors and participants.

This open-investment platform is available to all plans of all sizes including start-up plans and Solo K plans with solutions available for Multiple Employer Plans (MEPs).

Cost-Effective Transparent Pricing

Our cost structure has no hidden fees and charges the same low fee for each participant. Aspire offers flat-dollar pricing. The flat-dollar-fee model ensures that the plan recordkeeping costs remain fair and predictable. Visit our InvestDesign Center to try our Flat-Fee Calculator.

Revenue Recapture Flexibility

Aspire is committed to deliver a conflict-free solution. All available revenue sharing from a plan's investments are returned to the plan. The plan sponsor can select to use the revenue sharing to:

  • Fund an ERISA spending account to pay plan expenses, or
  • Issue a credit back to the participants at the individual investment level in which each participant receives the revenue share from the investments he or she is actually invested in and not a percentage of the total revenue share returned.

Model Portfolio Building

Aspire works with industry-leading strategists across the country that provide either ERISA 3(21) or 3(38) services. Our highly scalable and customizable platform enables Package-to-Fit options, allowing advisors or TPAs to implement a packaged solution or work with any strategic partner to develop a customized packaged solution.

Private-Label Branding

Aspire offers a flexible Private-Label Branding program featuring customization options that allow outsourced retirement management services to be seamlessly integrated into a company-branded solution.

Resources on Demand

Aspire’s online Resource Center provides participants, plan sponsors and advisors with forms, FAQs and learning tools to assist in planning and saving for retirement. The educational information provided includes articles, calculators and tutorials that may be used by individuals or adapted as part of a financial learning curriculum for online or on-site training.

Single-Threaded Service Model

Aspire’s number one priority is the service we provide our clients, which means the client comes first, and we are committed to consistently delivering a superior client experience—that’s our single-minded customer service focus. Our single-threaded account management begins on day one of our partnership—when we assign a dedicated team of resources to the plan—fully trained to handle your unique needs and committed to making the partnership a success. We are committed to delivering the industry’s highest-quality service levels. 

  • Professionally trained Retirement Call Center Specialists are available Monday – Friday, 8 a.m. – 8 p.m. ET
  • Highly experienced implementation, trading, transfer, distribution, enrollment and relationship management professionals handle all aspects of your plans and your clients’ needs

Simplified Participant Fee Disclosure Reporting

With Aspire, it's always been about participants. We're even known in the industry as an advocate for participants. Since the company opened its doors, Aspire has delivered fee transparency. Our focus has also been on increasing awareness among plan sponsors and plan participants regarding retirement plan fee charges. Aspire introduced fee disclosure 10 years prior to it being government mandated. And in 2012, Aspire introduced Definitive DisclosureSM—our industry-leading full fee disclosure program that identifies all fees, categorizes them and assigns them to each covered service provider to enable compliance with disclosure regulations. Definitive Disclosure provides:

  • Complete transparency organized in an informative presentation for plan sponsors
  • TPA and advisor partner support to maintain Covered Service Provider (CSP) profiles
  • System automation with business rule processing for accuracy

InvestDesign Center

The InvestDesign Center is the premier online destination for TPAs and advisors to:

  • Request a proposal
  • Access sales materials and forms
  • Link to sales and service teams
  • Customize choices
  • Access private-label branded materials

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