Retirement Benefits

4 Reasons Grocers Choose SMB

Employee Benefits Tailored to Your Grocery Business & Workforce

Retirement Benefits

Attract Top Talent · Comply With ACA · Manage Benefits Expenses

401K Plans Make Sense for Small-Medium Businesses

Businesses of all sizes are concerned about recruiting and retaining top talent in a tight labor market. It’s essential to their growth. Retirement plans like 401Ks can help companies more effectively compete for talented workers as well as providing business tax and financial advantages for owners.

BUT small-medium businesses often mistakenly dismiss this powerful tool. Some don’t understand the advantages. Others believe that it’s too time consuming, complex and costly to offer the 401K benefits to employees. Still others are scared off by the fiduciary responsibilities.

A Simpler Way to Setup & Operate 401K Plans

Working with a company like SMB Business Advisors (SMB) can help you overcome these challenges. We make it easier for you to setup and operate 401K plans for your employees with flexible, turnkey solutions from Guardian Retirement SolutionsTM

Guardian Retirement SolutionsTM from SMB

SMB focuses solely on serving the unique needs of small to medium businesses like yours.

We chose Guardian Retirement Solutions™ because they can provide our small – medium Clients with access to services typically reserved for large retirement plans. With Guardian Retirement Solutions™ we offer our clients:

  • Flexible employee retirement solutions

    Services that can help reduce fiduciary risk and administrative complexity

  • Customer-Focused service and support they can count on

    The customer call center has been recognized for providing “An Outstanding Customer Service Experience” by J.D. Power Call Center Certification Program.SM

A Turn-Key Solution with Built-in Flexibility

We can help you select the flexible Guardian Retirement Solutions™ option that work best for you and your employees. Our retirement solutions offer access to:

  • Support for multiple plan designs including 401(k)s
  • 2 funding vehicles
  • Robust, independent fiduciary support services
  • A network of Third Party Administrators (TPAs),  organizations you can hire to run many of the day-to-day aspects of your retirement plan
  • Educational support to help you, your employees and other participants plan, save, and invest
  • Diverse and well recognized investment options— choose from 140+  investment options
  • Efficient and dependable participant-level recordkeeping
  • Implementation, enrollment, and on-going customer service
The Guardian Advantage® group variable annuity contract and The Guardian Choice® group variable funding agreement are issued by The Guardian Insurance & Annuity Company, Inc. (GIAC), a Delaware corporation whose principal place of business is 7 Hanover Square, New York, NY 10004. GIAC is a wholly owned subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. Guardian does not issue The Guardian Choice® and The Guardian Advantage® and does not guarantee the benefits they provide.

Guardian Retirement Solutions refers to the administrative support services, including participant recordkeeping as well as marketing, enrollment and educational materials, provided by GIAC in conjunction with the individual and group retirement products issued by GIAC.