401k Plan - Whats right for you?

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401k Plan - Whats right for you?

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Guardian Choice®
Guardian Advantage®
Who is it for?
Small and mid-sized employer-sponsored qualified retirement plans
Small and mid-sized employer-sponsored qualified retirement plans
What size funds generally fit well with this option?
Generally those with that have plan assets greater than $1 million
Generally those with that have plan assets under $1 million
What type of fund is this?
Group variable funding agreement
Group variable annuity contract
Who can contribute?
Funded by employee deferrals and employer contributions
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Key Advantages
  1. No proprietary fund requirements
  2. Solutions that work for you and your employees
  3. Choice of 140+ investment options
  4. World-class service & support including a Dedicated Relationship Manager
  5. Access to robust fiduciary support services
  6. Access to services to help reduce administrative burdens
  7. Guardian's 150-year heritage of integrity & trust
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Tax Benefits
For Employees: Tax -deferred growth potential and pre-tax contributions
For employers: Tax-deductible contributions
Fees
Varies by plan
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Participant Education
*Lunch n’ Learn Seminars and on-going employee education
*Calculators, videos, and tools to help participants plan, save, and invest (visit 401k.GuardianLife.com)
*Retirement Readiness & Participant Gap Reports
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Administrative Responsibility for Plan Owner
Form 5500 and special IRS testing to ensure plan does not favor highly compensated employees
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What Types of Investment Options are Available?
Includes some of the nation's most well-recognized investment managers. The investment options span the risk/reward spectrum and pursue a variety of investment objectives - from safety of principal to aggressive growth of capital.
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How Much Flexibility Do We Have in Choosing the Investment Lineup?
The plan sponsor has the flexibility to choose and investment lineup that works for them and their plan participants. Unlike many other plans, this plan does not mandate that plan sponsors choose any proprietary funds when selecting investment options for their plan.
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What Kind of World-Class Service & Support is Provided?

Customer Call Center recognized for providing “An Outstanding Customer Service Experience” by the J.D. Power Call Center Certification Program(SM)"
*24-hour issue response, same-day service on contribution and distribution processing
*Assistance with new plan setup for a seamless transition
*Hands-on enrollment services
*Dedicated Relationship Manager to help with educational needs and annual plan reviews
*Fee disclosure support (www.guardianretirement.com/understandingfees)
*Informative quarterly statements
*Easy, timely access to plan information & reports
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What Types of Fiduciary Support Services would We have Access to with this Plan?
You have access to 2 types of Robust Fiduciary Support Services from independent third party companies:
1)Plan-level Fiduciary Support: with SWBC Investment Advisory Services LLC (SWBC), a limited scope fiduciary under ERISA section 3(21).
2) Participant-Level Fiduciary Support: managed account services for plan participants offered through Stadion Money Management LLC (Stadion)(1) and Brinker Capital Inc. (Brinker Capital).(2)
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Who Issues this Plan?
The Guardian Insurance & Annuity Company, Inc. (GIAC)
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More About Guardian
401k.GuardianLife.com
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How to open an account
Contact Chris Cooley at 877-946-7637 or ccooley@smbba.com
Contact Chris Cooley at 877-946-7637 or ccooley@smbba.com
(1) The plan sponsor must contract directly with Stadion to offer this managed account service. While there is no cost to the plan or plan sponsor, an annual fee of 0.55% will be paid by participants utilizing the service.
(2)The plan sponsor must contract directly with Brinker Capital to offer this managed account service. While there is no cost to the plan or plan sponsor, there is an investment advisor fee paid by participants utilizing this service. Brinker Capital receives a yearly investment advisory fee of 0.50% which is included in the total fund expense for the Brinker Capital Destinations CIT investment options.