We can help you implement and manage complex plans while supporting your fiduciary role. For larger retirement programs, you and your clients need a committed, experienced plan provider with flexible solutions. Our decades of experience, commitment and services cover virtually all aspects of plan administration and recordkeeping.
Access a dedicated team of professionals
Your relationship and account managers take time to thoroughly understand your plan and your participants. Backing the relationship manager is a team of skilled professionals specializing in communication, education, ERISA, compliance and plan documentation.
Provide an engaging and motivating participant experience
The Lincoln InStep® Participant Retirement Program engages employees from the time they're first eligible to enroll up to and through retirement, which is ideal for large organizations.
For many plans, Lincoln InStep® provides participants ongoing support from an on-site Lincoln retirement consultant. For others, local enrollers help participants understand their investment options and make decisions about deferrals. For all plans, Lincoln InStep® provides clear, approachable content across a range of communication channels—print, online, phone and social media.
Create an investment program tailored to your employees
Many organizations with diverse workforces have a range of participant investing needs, and they require investment programs that work for every type of investor. The majority of participants typically prefer all-in-one investing options, such as target-date portfolios. But some participants want to make their own investment decisions. Still others are more comfortable turning their plan portfolios over to professionals to manage.
With a universe of nearly 10,000 mutual funds from more than 600 fund families, our open-architecture platform enables you and your advisor or consultant to choose nearly any fund open to retirement plans, including many target-date series. This allows you to design customized all-in-one portfolio options using the funds in your lineup.
Tailor your investment program
To engage every type of investor, we offer three investment paths that can make it easy for participants to choose the approach that suits them best. We can tailor your investment program to meet the needs of your organization and your participants. Learn more.
If you and your advisor or consultant are seeking additional fiduciary support, you can access carefully crafted lineups created by Morningstar Investment Management LLC, an independent registered investment advisor that can serve as a 3(21) or 3(38) fiduciary for a plan’s investment lineup construction and ongoing oversight.
Some participants may want the complete independence that comes with a self-directed brokerage account. Or, you may choose to offer a managed portfolio solution or an online investment advice service, both available through industry leader Morningstar®.