We believe that "pre-packaged" employee retirement plans are not in your best interest.  If you want to minimize your fiduciary liability, and still provide a meaningful benefit to your employees, then you need the flexibility and confidence of a retirement and benefit plan specialist.  Benefit Trust Company helps you create a customized, unique plan that offers an affordable benefit to your employees.

High Standards of Fiduciary Performance

Process-oriented solutions produce more meaningful benefit plans. At Benefit Trust Company, we strive to meet the highest standards of fiduciary performance, taking responsibility for all aspects of your plan's investments, as well as its operations. Companies who are seeking the premier level of fiduciary oversight choose Benefit Trust Company as their discretionary trustee.

Simplified Laws and Regulations

Each year, new laws and court cases make benefits management more and more complex. Benefit Trust Company helps you navigate the complicated legal, tax, and fiduciary responsibilities of those plans. We understand the provisions of ERISA, and make sure that you are in compliance with all of them.

Profit-Sharing Plan - A great way to reward your employees for the company's success.  You choose how much to contribute, based on a discretionary funding method.

401(k) - An industry standard in retirement planning.  Employees elect to contribute a portion of their salary on a pre-tax basis.  You may choose to match employee deferrals, but are not required to do so.

Money Purchase Pension Plan - A great investment in the future of your employees.  Your contribution is stated in the plan document, and the same percentage contribution is required each year.

ESOP - Employee stock ownership plan (ESOP) - An excellent combination of a stock purchase plan and a retirement savings program.  An employer-funded retirement savings program that invests wholly (or substantially) in your company stock.

Defined Benefit Plan - The opportunity to offer your employees the security of a guaranteed income at retirement.  Contributions are estimated from an annual calculation, based on the overall benefits to each plan participant.

Non-qualified, deferred compensation plans are uniquely designed to meet the retirement income needs of key personnel, while avoiding the usual administrative and regulatory burdens associated with qualified retirement plans.  Benefit Trust Company can help you explore whether this is the right option for your business.