Saturna is there every step of the way
From implementation, to annual continuing education meetings, we provide professional guidance for plan design, document preparation, plan setup, company census, employee enrollment, and continuing education. All services listed below are included in your Saturna 401(k) plan.
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| Services | Benefits | ||
| Implementation | |||
| ❏ | Prototype plan / standardized adoption agreement | ✓ | Pre-approved by the Internal Revenue Service |
| ❏ | Assistance with customizing plan investment menu | ✓ | Helps you create a plan that is right for your company and your employees |
| ❏ | Trust agreement | ✓ | Simple, yet flexible to meet your plan needs |
| ❏ | Summary plan description | ✓ | Informs employees about the plan |
| ❏ | Enrollment meeting | ✓ | Helps educate your staff about all aspects of the plan |
| Administration and Recordkeeping | |||
| ❏ | Processing of contributions, distributions, loan, hardship withdrawals, vesting and investment selections | ✓ | Simplifies plan management |
| ❏ | Daily valuation of plan assets | ✓ | Know the current value of your assets, 24/7 |
| ❏ | Annual non-discrimination and compliance testing | ✓ | Helps you ensure the qualified status of your plan |
| ❏ | Preparation of Forms 1099R and 5500 | ✓ | Makes tax reporting easier |
| Flexible Investment Options | |||
| ❏ | Affiliated low-cost Saturna mutual funds | ✓ | Three families of funds with several investment objectives to help you meet your investing goals |
| ❏ | Open fund menu platform permits a wide selection of no-commission fund shares | ✓ | Allows customizable plan menus for a wide range of investment options |
| ❏ | Self-directed discount brokerage accounts | ✓ | Allows access to stocks, bonds, and additional mutual funds |
| Employee Online Tools, Education, and Support | |||
| ❏ | Online statements and account management | ✓ | Know how employee accounts are doing, 24/7 |
| ❏ | Traditional plus Roth 401(k) options | ✓ | Flexibility to maximize your savings |
| ❏ | Online tools for investment selection | ✓ | Select investments that meet your needs |
| ❏ | Dedicated toll-free phone and email support | ✓ | Customer care for you |
| Employer Support | |||
| ❏ | Online reporting, plan summary and transaction detals | ✓ | Bird's eye view of your plan, 24/7 |
| ❏ | Signature-ready Form 5500 for IRS reporting¹ | ✓ | Saves you time with key document preparation |
| ❏ | Dedicated Client Relationship Manager | ✓ | Ensures your current and future needs are met |
| ¹ Solo 401(k) Plans with less than $250,000 in plan assets are not required to submit Form 5500. | |||
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Your Plan's Dedicated Website
The Saturna Capital web platform gives employers the tools to access their 401(k) plan whenever and wherever they need to. Services available include:
- Summary view of all invested employee contributions
- View quarterly statements
- Access to educational materials
- View investment information on funds available in your plan
- Upload contribution information directly
- View detailed transaction history
- Contact plan administrator at Saturna Capital directly
- Loan and distribution transaction approval
- Participant online enrollment
- Securely upload files directly to Saturna
- Update employee information
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The Saturna Capital web platform allows employees the flexibility and control needed to guide them to retirement. Employees can access their accounts online to:
- View account balances with vesting and detailed transaction history
- View and/or change investment elections
- View quarterly statements
- Access retirement planning calculators and educational material
- Change their personal data (including contact info, usernames, and passwords)
- Transfer previously invested funds to other investments available in your plan
- Loan and distribution requests