ATSelect

American Trust is committed to providing simply better retirement. We offer employers the flexibility to build a retirement program that best fits the needs of its business and employees with our ATSelect solutions.

We specialize in plan administration, giving an employer's retirement plan the attention it deserves. Our highly qualified and experienced plan consultants provide the unbiased structure and support. Our analysis of a plan is fair and impartial, and we help protect its tax-exempt status by notifying the employer or advisor of pension law changes, possible design alternatives, and compliance issues.

We offer services to the following types of defined contribution retirement plans:

  • 401(k) plans
  • Profit sharing: traditional, integrated, age-weighted, and cross-tested
  • ERISA/Non-ERISA 403(b)
  • Governmental 457
  • Multi-employer plans
  • Multiple-employer plans

To learn more about our retirement solutions, please contact our sales team at 800.548.2993 or email newbusinessretirement@americantrust.com.

ATSelect-Recordkeeping

The recordkeeping model delivers three components of a retirement plan — recordkeeping, compliance, and education — while utilizing an advisor-driven open architecture model. American Trust provides recordkeeping, compliance, and education services. Through TD Ameritrade Trust Company, our open architecture platform offers access to a broad range of investment products and programs designed to help you meet your investment goals. The advisor partners with the employer to develop an investment strategy to meet the goals for the organization

Our partnership can accommodate ETFs, annuities, mutual funds, employer stock, stable value funds, life insurance policies, collective investment funds, unitized managed accounts, custom asset allocation models, self-directed brokerage accounts, guaranteed investment contracts, and fee-based advisor compensation payment.

Recordkeeping Services

  • Online access
  • Daily account valuation
  • Detailed online reporting
  • All aspects of contribution processing and participant loan and withdrawals

Compliance Services

  • Annual audit assistance
  • Form 5500 preparation
  • Cross-testing plan design
  • Employer contribution calculation
  • ERISA §404(c) compliance support
  • Participant loan and withdrawal requests
  • Plan document reviews, drafting, maintenance, and interpretation

Education Services

  • eBal
  • eStatements
  • Annual plan review
  • One-on-one consultations
  • Group enrollment meetings
  • Dedicated administration team
  • "Life stages" approach to enrollment
  • Investment guidance for participants
  • ATBlueprint® for participants and plan sponsors
  • Ongoing support
ATSelect-Compliance

The compliance model delivers only one component of a retirement plan-compliance services through American Trust. Advisors can choose from a preferred selection of recordkeeping partners. Our services include:

  • Annual audit assistance
  • Form 5500 preparation
  • Cross-testing plan design
  • Employer contribution calculation
  • ERISA §404(c) compliance support
  • Participant loan and withdrawal requests
  • Plan document reviews, drafting, maintenance, and interpretation