Step 1 of 6
Choose Your Plan Type
Select the type of retirement plan to onboard. This determines the document package, service agreements, and plan design options.
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DCG 401(k)
Defined Contribution Group Plan
✓ Full employer + employee contributions
✓ Safe Harbor options (QNEC, QACA)
✓ Auto-enrollment & auto-escalation
✓ 3(16) DPF fiduciary delegation
✓ 3(38) investment management
✓ Voya recordkeeping via DCG
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Solo(k)
Owner-Only 401(k) Plan
✓ Owner + spouse only coverage
✓ Pre-tax & Roth elective deferrals
✓ Employer profit sharing contributions
✓ Simplified administration
✓ No ADP/ACP testing required
✓ Streamlined R4O service agreement
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Plan Timeline
Step 2 of 6
Company Information
Enter the adopting sponsor's legal information, entity details, and primary contacts.
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Legal Entity
Required
đŸĸC Corporation
🏗ī¸S Corporation
📋LLC
👤Sole Prop
🤝Partnership
📄Other
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Business Address
📆
Fiscal & Plan Year
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Primary Day-to-Day Contact
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Related Companies
If applicable
Member of an Affiliated Service Group
Member of a Controlled Group
Step 3 of 6
Plan Design
Configure eligibility rules, contribution types, vesting schedules, distribution options, and loan provisions.
💡 These selections drive the Voya Plan Digest and Adoption Agreement. Default options are pre-selected based on the DCG standard design. Adjust as needed for each adopting employer.
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Eligibility
⚠ī¸ LTPT Rule (SECURE Act): Long-term, part-time employees who complete 2+ consecutive years with 500+ hours must become eligible for elective deferrals regardless of part-time exclusion.
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Contributions
Safe Harbor Basic Match: 100% on first 3% + 50% on next 2% of compensation
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Automatic Enrollment
Enable automatic enrollment
Allow 90-day permissible withdrawal for auto-enrolled participants
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Vesting Schedules
ℹī¸ Elective deferrals, rollover, and safe harbor contributions are always 100% vested. Vesting schedules apply to employer match and profit sharing sources.
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Distributions & Withdrawals
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Participant Loans
Allow participant loans
Step 4 of 6
Service Providers
Configure financial advisor details, prior recordkeeper info, and TPA fee arrangements.
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Financial Advisor (Primary)
📈
Financial Advisor (Secondary)
Optional
Add a second financial advisor
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Prior Recordkeeper
If conversion
Plan is converting from a prior recordkeeper
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TPA Fee Arrangement
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Plan Assets
Deducted from participant accounts
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Invoiced
Billed directly to the employer
Step 5 of 6
Document Package
Review all documents generated from your onboarding data. Each document is pre-populated with the information you've entered.
đŸ“Ļ Documents marked Ready have all required data populated. Pending documents need additional information from prior steps. Click "Preview" to view a populated summary.
Step 6 of 6
Review & Sign
Review your plan configuration summary and apply your electronic signature to authorize all documents.
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Electronic Signature
Required
Draw your signature above using mouse or touch