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How do employers Really protect themselves against personal liability?
how can APO’S new solution keep you on track?

Choose us and
Focus on running your business

More than 90 class-action lawsuits challenging 401(k) fees were successfully launched in 2020. Most firms have agreed to multi-million-dollar settlements in response to proposed class-action lawsuits. Leaving employers in peril. You’ve worked hard to create your business. It’s important to protect it.

Introducing The Otegrity 401K Retirement Plan Exchange® powered by your team at APO and TAG Resources. 

The Otegrity Retirement Retirement Plan Exchange® becomes your retirement department.

Cost EffectiveReduced Liability90% of Administrative tasks

Would you trust just anybody to run your retirement plan?

So many responsibilities, so little time.

Many employers are unaware of the actual list of responsibilities that befall them when they take on their own retirement plan.

TAG performs over 90% of administrative duties.

A better fit for you and your employees

Less risk for you also means more security for the employees you manage. This can lead to better and more qualified employees.

Cost Effective

Pooling hundreds of company retirement plans together provide scale that allows the Otegrity 401K Retirement Plan Exchange® to provide members with lower-cost even with expanded services.

Outsource Administration

Over 90% of your administrative tasks will be handled through the outsourcing administrative duties to retirement professionals.

Outsource Liability

Simply failing to file a 5500 tax form on time can cost as much as $2,140 Dollars PER DAY! Plans administered through the Retirement Plan Exchange are designed to meet IRS and DOL regulations.

Items Employers could be personally liable for and not even know it. 

  • Poor Investment Performance

  • Poor & Costly Administration

  • Excessive Plan Fees

  • Fines & Penalties

LET OTEGRITY HELP YOU AVOID THE FINES AND PENALTIES!

With compliance and fiduciary oversight support, Employers now have professional partners to ensure plan compliance and provide fiduciary services and responsibilities while also saving on fees. The Otegrity 401 (k) Retirement Solution powered by APO and TAG Resources takes on over 90% of your fiduciary duties, and the staff has Erisa trained employees to assist in running your plan. This means the likelihood of you not complying is significantly lower than if you were to attempt to administer your plan. Working with APO’s new solution you get the protection you need at a dramatically lower cost.

Our Partners who make it all possible and their functions. We are here for you.

The industry leading partners behind the solution

APO Financial

APO Financial

At APO Financial, we believe in living your life in 5-year increments. This applies to all phases of life but in particular, life in retirement. This is why we structure wealth building around the client’s vision of what they want the future to look like, their main priorities, and top goals for retirement.

TAG Resources

TAG Resources

TAG Resources ensures your plan reaps long-term rewards with easier day-to-day operations. As the largest end-to-end retirement plan provider in the US, TAG is recognized nationally for pioneering unique Retirement Programs. The Multiple Employer Program™ is our newest innovation, bundling retirement plans together in a service model previously only available for very large companies.

Fiduciary Plus

3(38) Investment Manager

3(38) Investment Manager

Fiduciary-Plus was created to partner with advisors as we strive to provide best-in-class services to plan sponsors and their plan participants.

Transamerica

Recordkeeper

With more than 85 years of experience helping people prepare for retirement, Transamerica is one of the most recognized, trusted names in financial services. As a pioneer in pooled-plan solutions, we equip plan sponsors with the tools, resources, and professional support to help their employees pursue a healthier, more secure future.

John Goodhue

Financial Advisor

Financial Advisor

John is a nationally recognized Financial Educator, Speaker, and Author, whom you may have seen as a guest many times on financial shows such as CNBC’s Squawk Box and Power Lunch.

Ready for a better 401k Plan?

Contact our APO Financial Advisor:

APO

The companies identified above are separate and unaffiliated organizations. Logos and trademarks are the intellectual property of their respective owners.

Retirement Plan Exchange® is a registered service mark of Transamerica. The Exchange is not a multiple employer plan (MEP). Unlike a MEP, certain plan qualification and ERISA requirements are applied at the individual plan level. An employer participating in an Exchange retains certain fiduciary responsibilities, including responsibility for retaining and monitoring the 3(16) plan administrator, for determining the reasonableness of its fees, and for periodically reviewing the Exchange as a whole.

Let us help you scale your business and protect your hard work.

Your information stays private with us. We do not share your information. To speak with an Advisor, simply fill out the info below.

Responsibilities Without TAG

  • 3(38) Investment Manager Appointment
  • 402(g) Limit Reporting
  • 404(a)(5) Notice Distribution
  • 404(c) Notice Distribution
  • 408(b)(2) Notice Distribution
  • Annual Discrimination & Coverage Testing
  • Audit Completion Support
  • Audit Firm Hiring & Monitoring
  • Auto Enrollment Notice Distribution
  • Beneficiary Designation Form Maintenance
  • Beneficiary Determinations
  • Blackout Notice Distribution
  • Census Review
  • Corrective Distributions
  • Death Benefit Approval
  • Distribution Reporting
  • DOL and IRS Issue Resolution Assistance
  • Eligibility Calculations
  • Eligibility Notifications
  • Employer Contribution Monitoring
  • ERISA Bond Review
  • Error Correction Monitoring
  • Fiduciary Insurance Coverage Review
  • Force Out Processing
  • Form 5330 Preparation, Signing, & Filing
  • Form 5500 Preparation, Signing, & Filing
  • Form 8955 Preparation, Signing, & Filing
  • Fund Change Notice Distribution
  • Hardship Withdrawal Approval
  • Loan Approval & Reporting
  • Loan Default Monitoring
  •  Loan Policy Administration
  • Lost Earnings Calculations
  • Participant Enrollment Assistance
  • Payroll Aggregation
  • Payroll File Aggregation
  • Plan Design Review
  • Plan Document Interpretation
  • Plan Document Preparation & Archiving
  • Plan Irregularity Notification
  • QDIA Notice Distribution
  • QDRO Determinations & Reporting
  • Quarterly Investment Review Meetings
  • Rate Changes Monitoring & Reporting
  • Required Minimum Distributions
  • Safe Harbor Notice Distribution
  • SAR Production & Distribution
  • SMM Notice Distribution
  • SPD Production & Distribution
  • Spousal Consent Approvals
  • Termination Date Verification & Maintenance
  • Termination Withdrawal Approval
  • Top Hat Preparation, Signing, & Filing
  • Trustee Duties
  • Vesting Verification & Tracking
  • Year End Data Collection & Review

These are your responsibilities with TAG

Upload Payroll Files to TAG

Monitor TAG

Provide Year-End Data for Testing