Flexible
You may match all or part of your employees' contributions or make additional profit-sharing contributions, which may be tax-deductible. Employer matching contributions, profit sharing contributions and vesting schedules may be customized, within legal limits, to meet the needs of your company. The payroll cost is minimal, but the benefits can be substantial, increasing participation while offering employees a powerful incentive to participate.

Competitive
This popular benefit helps attract talented employees who have come to expect retirement plans.

Cost-Effective
They're funded by your employees through salary deferrals.

Appreciated
By offering a retirement savings plan, you create a work environment that encourages employee appreciation and loyalty.

Practical
Payroll deduction makes saving easy, and Morgan Stanley Smith Barney's seamless installation and administration free you from cumbersome details.

Valuable
You and your staff can save for a comfortable future.