Retirement Plan Solutions

One of the best ways to recruit, retain and reward employees is to help them save for retirement. SunTrust offers retirement plan solutions that can be customized to suit your company’s size, needs and business objectives. Whether you’re looking for workplace retirement plan design, 401(k) administration, defined-benefit advisory services or supplemental retirement strategies for executives, SunTrust can help you identify and implement a retirement plan solution that makes sense.

Defined contribution plans
SunTrust offers a wide range of workplace retirement plans, all of which include transparent fee structures, administrative support, distribution services and guidance from retirement plan specialists.

  • Institutional 401(k): Designed for mid-sized to large companies, these plans streamline 401(k) administration, deliver fiduciary support to minimize risks, and engage employees to take actions that improve retirement outcomes. Please see the Institutional 401(k) tab below for Plan Sponsor access.
  • SunTrust Online 401k: Created for small businesses with fewer than 100 employees, these plans provide easy and affordable access to a broad selection of funds.
  • Advisor-supported 401(k): For those who prefer to work with an advisor, these plans are a convenient way to execute your workplace retirement goals.

Defined benefit plans
If your organization needs help establishing a pension plan or managing an existing one, SunTrust offers tailored investment solutions, regulatory expertise and a full range of services, including trust and custody, investment advisory, reporting and distribution. Should you choose to do so, we can also help you bring your defined benefit and defined contribution plans onto a single administrative platform.

Non-qualified plans
Non-qualified plans can be a valuable tool for recruiting and rewarding key employees. SunTrust understands the needs of highly compensated employees, and can work with you to provide a non-qualified plan best suited for your business.

To speak with a SunTrust representative call 866.786.4015

Features of defined contribution plans

  • Plans tailored to suit companies of any size
  • Tax-deferred retirement savings for employees
  • A wide range of high-quality investment options
  • Transparent fee structure
  • Online access, tools and educational resources for plan sponsors

Features of defined benefit plans

  • Availability for new and existing plans
  • Bundled and unbundled services
  • Tailored investment solutions
  • Option to integrate defined contribution plans
  • BenePayTM – For plan sponsors to view plan and participant level information including payment and tax histories of defined benefit contributions.1

1BenePayTM access is available to users with a minimum browser version of Microsoft Internet Explorer 5.0 or Netscape 6.0.

Features of non-qualified plans

  • Key benefit for recruiting executive talent
  • No contribution limits and greater flexibility than 401(k)s
  • Employer- or employee-funded—or a combination of both
  • Tax-deferred, typically until participant retires
  • Salary reduction, salary continuation and death benefit-only plans

Institutional 401(k) Plan Sponsor Access

To provide you with accurate and timely recordkeeping, SunTrust offers leadingf-edge technology to assure that your employees and provider contributions are invested quickly and correctly. We provide plan sponsors online access to view plan and employees information, upload new payroll data, or gain access to helpful reports.

Gain real-time access to retirement plan and employee data through our online services:

  • Emloyee Website Demo – See where employees go online to access educational content, review their account, transfer funds and change future contributions.
  • Plan Service Center Demo – Select the PlanSponsor tab to see firsthand how our Plan Service Center works.

Institutional 401(k) plan employees are provided the following online services:

  • Retirement Toolbox – Our award-winning2, one-stop online resource for retirement planning needs and education.
    • PlanLink® - Our intuitive employee website with inquiry and transaction capabilities.

    • PlanLink® Demo - See firsthand the employee experience.

2FCS Portfolio Awards, Gold Winner, Consumer Retail Web Site Single, 2010.

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

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