The Retirement Advantage, Inc. (TRA) is a premier third party administrator (TPA) that specializes in administration, consultation and compliance of retirement plans for small privately held businesses nationwide.When you partner with TRA, you gain a trusted retirement plan expert.

For over two decades, TRA has been committed to delivering results for our business partners, plan sponsors, and participants so that they can achieve their financial goals. TRA is the largest independently owned, privately held third-party administrators in the nation because we focus on your clients’ success. Click here to view our infographic.

Our Mission

TRA is committed to delivering personalized retirement solutions for small, privately held business owners and their employees to help them achieve their financial goals.

Our Vision

As an industry-leading retirement plan solutions provider, TRA will assist our plan advisors and plan sponsors in meeting their unique plan design goals, while building on our reputation for proactive plan consultation and exceptional customer service.

Today, we proudly service more than 8,000 plan sponsors, 350,000 plan participants and have more than $8 billion in retirement assets under our administration (AUA) nationwide.

Our Business is Knowing Your Business

The complexities of offering and administrating a retirement plan are often time consuming and confusing for many small businesses to manage.

Working with your financial advisor, TRA’s dedicated retirement professionals proactively provide a high level of personalized service to understand your vision for the retirement plan and quickly make recommendations that are in your best interest, while always abiding by industry compliance and ethical standards.

After we have crafted a retirement strategy that reflects your vision, business needs and resources, we specially design a service model to meet your needs. This allows TRA to seamlessly integrate into your workflow and saves you valuable time and money.

The Right Resources and Experience for the Right Financial Solutions

Our scale of clients, investment options and retirement platforms enables us to partner with a wide variety of industry leaders.

Through our extensive industry experience, quality processes and depth of resources, we have developed stringent criteria for evaluating which best-in-class retirement providers are committed to excellent customer service and superior retirement outcomes, and we hold them to the same high standards to which we hold ourselves.

We are not forced to fit your plan into a specific box, investment type or product. This allows TRA to be a true partner to you.

Our Custom Service Model & Support Systems Make the Difference

All clients are not created equal or want the same “one size fits all” approach. As part of the value that TRA delivers, you receive a solution and process designed to meet your needs, your resources and your goals.

TRA provides all clients and partners with a dedicated single point of contact and a support team that monitors and consults with you on how to keep your plan performing to your specific goals.

Retirement Plan Solutions

TRA has made a commitment to bring together the services that benefit plan sponsors and keep them in compliance.

  • Plan Design and Consulting
  • Flexible Plan Design Options
  • Summary Plan Descriptions
  • Prototype and Custom Plan Documents
  • Full Conversion and Implementation Services
  • Core Compliance Services
  • Signature-Ready Form 5500
  • Integrated Payroll Services

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Making a Real Difference for You

TRA uses state-of-the-art quality control processes and follow-up procedures to help minimize risk 24 hours a day, 7 days a week, year after year. What’s more, the TRA Quality Team reviews every plan as a second quality check for accuracy and compliance, ensuring your retirement plan avoids any possible breaches from a Department of Labor or IRS standpoint.

As your retirement needs and government regulations change, TRA proactively takes the necessary steps to communicate how those changes will impact your retirement strategy, inform you of the optimal options and implement any plan changes as quickly as possible.


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Consider TRA's 3(16) Plan Administration Relief Services (PARS)

To alleviate the day-to-day administrative burdens of yours or your clients retirement plans.