ADP Retirement Services

ADP Retirement Services delivers a powerful, user-friendly retirement management system that integrates seamlessly with existing payroll and HR infrastructures. The software helps businesses of all sizes—from small firms to large enterprises—implement and manage customized retirement plans. It offers a scalable plan structure with four tiers: Starter‑k, Essential, Enhanced, and Premier, each tailored to meet specific business needs.

Starter‑k is ideal for micro-businesses, with simplified compliance and no employer match requirements. Essential adds real-time payroll sync, mobile access, and fiduciary support, making it a strong fit for small to mid-sized businesses. Enhanced expands customization options and investment flexibility, while Premier is designed for large enterprises with dedicated service teams, M&A support, and ERISA compliance consulting.

Employees benefit from modern tools that simplify retirement engagement. A mobile app and online portal allow users to view balances, make deferral changes, request loans or hardship withdrawals, and monitor their Retirement Readiness Score. Financial education resources, planning calculators, and live webinars enhance employee understanding and participation.

For administrators, the platform features real-time compliance dashboards, nondiscrimination testing tools, and automated plan management workflows. Integration with ADP payroll ensures that contribution data flows automatically and accurately into the retirement system, reducing administrative burdens and errors.

The software also provides SECURE 2.0 readiness, automatic tax credit calculations, and tools to meet state-mandated retirement plan requirements. With secure file transfers and advanced encryption, data privacy and security are well protected.

Service is backed by experienced retirement specialists offering ongoing plan consultation, setup support, and fiduciary guidance. ADP Retirement Services is a future-ready solution helping companies enhance employee retention, reduce compliance risk, and promote long-term financial wellness.

✅ Key Features & Specifications

• Plan Types Supported: 401(k), Roth 401(k), Safe Harbor, SIMPLE IRA, SEP IRA, 403(b)

• Plan Packages: Starter‑k, Essential, Enhanced, Premier

• Payroll Integration: Real-time sync with ADP payroll, reducing manual entry

• Employee Access: Mobile app for contributions, loans, withdrawals, readiness tracking

• Compliance Tools: Real-time dashboards, nondiscrimination testing, SECURE 2.0 readiness

• Financial Education: Retirement calculators, webinars, educational portal

• Fiduciary Support: 3(16) and 3(38) fiduciary services, ERISA consulting

• Security: Secure file transfers, data encryption, enterprise-grade protection

• Service & Support: Dedicated plan consultants, onboarding, and compliance assistance

• Automation: Auto-enrollment, auto-escalation, and integrated compliance tracking