Financial advisors
ADP is here to help you by offering flexible retirement solutions with supporting resources and tools to simplify decision-making and keep your clients engaged.
Find a retirement plan specialist in your region.
More than 3.0 million people1 rely on ADP® to help them successfully save for retirement.
We’re dedicated to helping you help your clients
In competitive markets, retirement plans play an important role in attracting and retaining top talent. Your clients look to you for guidance on how to evaluate, select and set up a retirement plan for their business.
ADP helps you deliver. From flexible plan options to deep HCM expertise, advanced administration technologies, and award-winning technology, you’ll be able to bring your clients a complete retirement planning solution.
Add tools and resources to help them keep their employees engaged and you’ll be the partner they rely on to make it all happen.
Read more about ADP Retirement Services.
SECURE 2.0 Act Tax Credit Calculator
Discover your potential savings with SECURE 2.0
Offering a 401(k) plan is more affordable for small businesses than ever, thanks to new tax credits introduced by the SECURE 2.0 Act.
You could be eligible for an estimated
in tax credits over the plan's first 5 years!
| Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | |
|---|---|---|---|---|---|
| Total Record-keeping Fees† | |||||
| SECURE Start-up Tax Credit | |||||
| Automatic Enrollment Credit | |||||
| Estimated 401(k) Start-up Cost | |||||
| Matching Contributions Credit |
See what you can achieve with ADP
Learn more about our investment options, solution for managing plan administration risk,
payroll integration, service and retirement planning tools.
Flexibility where you want it, simplicity where you need it
You want to offer clients options, but also simplify decisions for them. ADP makes that possible with two platforms for selecting investments.
Open-fund architecture
The very definition of flexibility, our open architecture option provides access to over 13,000 nonproprietary investment options from 160 leading investment managers. Review, compare, evaluate and bring your clients the right investment options for consideration.
Screened investment tiers
If it’s simplicity you’re looking for, our Screened Investment Tiers include fund options evaluated by a third-party investment firm based on proprietary quantitative and qualitative criteria2:
- Basic sample lineup: Designed for plans needing minimum asset class exposure for a below-average level of participant investment experience
- Standard sample lineup: Designed for plans with more investment choices for the average level of participant investment experience
- Advanced sample lineup: Designed for plans with specialized asset classes for above-average participant investment experience
If you choose our Screened Investment Tiers, you can add investment fiduciary services to help you and your client manage fiduciary risk associated with investment selection.
Options for reducing investment fiduciary burden
ADP makes investment fiduciary services available through Mesirow Financial.3 These services can help advisors manage fiduciary risk associated with investment selection and monitoring under Section 3(21) and 3(38) of ERISA.4
With either service, Mesirow Financial will act as a registered investment advisor and provide your plan with legal protection and defense against certain third-party, ERISA-related lawsuits regarding the selection and monitoring of investment options.
Assist me — Section 3(21) Co-Fiduciary Service
This approach provides guidance in selecting investment options from a broad menu of prescreened investment choices.
Select for me
— Section 3(38) Investment Management ServiceWith this service, Mesirow Financial assumes full investment discretion for selecting, monitoring and, if necessary, replacing investment options for your client.
Gain efficiency and reduce risk with integrated payroll solutions
Whether your clients use ADP for payroll or another provider, ADP SMARTSync® and ADP Connect can help make retirement administration tasks easier. With true 360° integration and secure file transmission, your clients benefit from increased flexibility and less work that helps save them time and money.
Real-time integration means data is updated in real time - not in batch files processed overnight or at the next payroll cycle.
Experienced service and support
ADP's client service team will help to ensure that every aspect of your clients' plans runs smoothly — adding the value you and your clients expect. Our dedicated team of professionals and innovative tools can help simplify retirement plan administration for you, your clients and plan participants.
View the ADP National Employment Report® from the ADP Research Institute®.
Rewards for top advisors
ADP rewards advisors who leverage our robust retirement solutions with exclusive services and support to manage and service your clients.
With the Advisor Elite program, you can gain access to:
- A dedicated advisor help desk
- Tools to monitor the health of your plans
- Employee education programs that facilitate retirement readiness
- Access to plan information, advisor tools and events to help you stay connected and on top of your business.5
Ask us how to qualify.
PLANADVISER Choice Award
ADP Retirement Services is one of the 2024 PLANADVISER Adviser Choice providers, ranking in the top 5 for the following four product and/or service categories gathered in the most recent PLANADVISER Retirement Plan Adviser Survey.
- Payroll Integration
- Overall Service, Micro Plans (<$5MM)
- Regulatory / Compliance Support and Services
- Fee Clarity / Accounting / Disclosure / Benchmarking
Advanced technology, proactive service, and plenty of investment options
The ADP Employee Savings Plan Solution covers state mandated employee savings plans as well as various tiered options depending on your business’ needs.
You want options.
We have them – from our screened investment tiers to our Open Architecture with over 13,000 funds. The ADP Employee Savings Plan Solution covers state mandated employee savings plans as well as various tiered options depending on your business’ needs.
You want smart tools.
A leader in innovative and easy-to-use technologies, ADP helps you by reducing retirement plan service administrative tasks, managing compliance, and flagging issues before they become problems.
ADP® Retirement Plan Services Capabilities
60% of workers consider retirement plans a “must-have” benefit.1 See how ADP can help you create a plan that both attracts top talent and is easy to manage.
Learn why others work with ADP
The Maryland Association of CPA’s discuss their experience with ADP Retirement Services and why they chose ADP as their retirement plan provider.
Tom Hood,
Exec. VP Business Growth & Development
AICPA
Your privacy is assured.
*The views expressed herein are the speaker's own. Not all clients will experience the same results. ADP has not compensated any clients for the included testimonials.
- ADP Retirement Services data as of 12/31/22.
- Provided for informational purposes to assist you in fulfilling your fiduciary duties. ADP, Inc. and its affiliates do not offer investment, tax or legal advice or management services, or service in a fiduciary capacity with respect to retirement plans. Nothing in these materials is intended to be, nor should be construed as, advice or a recommendation for a particular situation or plan. Please consult with your own advisors for such advice provided. In assembling and presenting its investment platforms, ADP is not undertaking to provide impartial investment advice or to give advice in a fiduciary capacity.
- Fiduciary services are provided through Mesirow Financial Investment Management, Inc., an SEC-registered investment advisor. Mesirow is not affiliated with ADP Inc. or its affiliates. Mesirow refers to Mesirow Financial Holdings, Inc. and its divisions, subsidiaries and affiliates. The Mesirow name and logo are registered service marks of Mesirow Financial Holdings, Inc. ©2023, Mesirow Financial Holdings, Inc. Advisory fees are described in Mesirow Financial Investment Management, Inc.’s Form ADV Part 2. Mesirow does not provide legal or tax advice. All rights reserved. The specific instances in which a party may be entitled to indemnity are set forth in detail in the agreement between the plan sponsor and Mesirow, and nothing herein is intended to modify that agreement.
- The use of the services, support and plan information described herein is subject to a financial advisor’s and/or their firm’s specific arrangements with each plan and/or participant. The provision of services, support and plan-related information to financial advisors and their firms by ADP should not be construed as ADP’s acknowledgment that any financial advisor or financial firm is, nor deemed to imply that ADP is compensating any financial advisor or financial firm for, providing investment advisory or similar services to such plans and/or participants.
- Registered representatives of ADP Broker-Dealer, Inc. (ADP BD), Member FINRA, an affiliate of ADP, Inc., One ADP Blvd, Roseland, NJ 07932.
† ADP Strategic Plan Services, LLC will impose a fee of .10% of covered assets, subject to a minimum fee of $30 per month, as more further described below.
Monthly Investment Service Fee: ADP Strategic Plan Services, LLC will impose a fee of .10% of covered assets, subject to a minimum fee of $30 per month, as more further described below.
The amount of the tax credit each year is limited. Employers with up to 100 employees may be entitled to an annual tax credit for three years equal to 50% of the costs of starting up and administering a retirement plan and for participant education services. Employers with 50 employees or fewer may be entitled to 100% of the costs for these services. The maximum credit is up to the greater of (1) $500 or (2) the lesser of (1) $5,000 or (2) $250 multiplied by the number of non-highly compensated employees eligible to participate in the plan. An additional credit of $500 per year for the first three years is available to plans that offer an automatic enrollment feature that meets the requirements of an Eligible Automatic Contribution Arrangement (EACA) as defined in Internal Revenue Code Section 414(w)(3.) The maximum credit over 3 years of $16,500 is available to plans that cover at least 20 non-highly compensated employees and offer automatic enrollment.
Additionally, an annual tax credit for eligible employer contributions for five years of up to $1,000 per employee earning $100,000 or less may apply to employers with up to 50 employees but phases out from 51 to 100 employees.
The availability and amount of a tax credit depends on your situation. ADP does not provide tax advice, and you should consult with your own tax professional.
Unless otherwise disclosed or agreed to in writing with a client, ADP, Inc. and its affiliates (ADP) do not endorse or recommend specific investment companies or products, financial advisors or service providers; engage or compensate any financial advisor or firm for the provision of advice; offer financial, investment, tax or legal advice or management services; or serve in a fiduciary capacity with respect to retirement plans.
Investment options in the “ADP Direct Products” are available through either ADP Broker-Dealer, Inc. (ADP BD), Member FINRA, an affiliate of ADP, Inc., One ADP Blvd, Roseland, NJ 07068 or (in the case of certain investments) ADP, Inc. Only licensed representatives of ADP BD or, in the case of certain products, of a broker-dealer firm that has executed a marketing agreement with ADP, Inc. may offer and sell ADP retirement products or speak to retirement plan features and/or investment options available in any ADP retirement product and only associated persons of ADP Strategic Plan Services, LLC (SPS) may speak to any investment management or advisory services provided by SPS or any third party in connection with such ADP retirement products. SPS is an SEC Registered Investment Adviser. Registration does not imply a certain level of skill or services.
Nothing in these materials is intended to be, nor should be construed as, advice or a recommendation for a particular situation or plan. ADPRS-20230629-4643