A Simpler Way to Start the Right 401(k).
Straightforward plan options. Guided setup. Backed by TRA.
Compare Plans & PricingStart A Plan
People reviewing a retirement plan document
Plans served10,000+plans served
Assets under administration$13B+assets under administration
National TPA expertiseNationalTPA expertise
Why choose Alignment(k)?
Simple to choose

Simple to choose

Straightforward plan options make decision-making easy.

Easy to launch

Easy to launch

TRA guides you through every step from selection to setup.

Built for Compliance

Built for Compliance

Expert guidance from setup through support.

Which plan is right for you?

For businesses with employees

Choose from three plan designs that fit your goals.

  • Ideal for businesses with employees
  • Choose from three plan designs
  • Helps attract and retain talent

Estimated Pricing

Setup $X|Annual administration starting at $X

For owner-only businesses

Maximize your retirement savings with a Solo 401(k).

  • Designed for owner-only businesses
  • Maximize retirement savings potential
  • Straightforward setup and flexibility

Estimated Pricing

Setup $X|Annual administration $X

Recordkeeping, investment, advisory and other third-party fees vary by solution

Compare Plans & PricingStart A Plan
Recordkeeping and investment flexibility

Recordkeeping
& investment flexibility

  • Agnostic selection of recordkeeping options
  • Additional recordkeeping options planned
  • Brokerage/custodial flexibility may be available for certain solutions

Every Alignment(k) is established in partnership with a financial advisor.

American Funds
Empower
Manulife | John Hancock
Principal
Getting started is simple.
Choose

Choose

Select Alignment(k) Start or Solo, based on what is right for you.

Complete your information

Complete your information

Tell us about your business and plan preferences.

TRA gets you launched

TRA gets you launched

TRA handles setup and implementation so you can launch with confidence.

Built for Financial Advisors

Help clients choose the right 401(k) solution with a simple, guided process backed by TRA’s retirement plan expertise.

Request A Consultation
Questions before you start
What is Alignment(k)?

Alignment(k) is TRA’s streamlined approach to starting and managing a 401(k) plan. Choose the solution that fits your business, complete a guided setup process, and TRA helps take it from there.

What’s the difference between Alignment(k) Start and Alignment(k) Solo?

Alignment(k) Start is designed for businesses with employees and offers three plan design options: Safe Harbor Match, Safe Harbor Non-Elective, and Traditional 401(k). Alignment(k) Solo is designed for owner-only businesses, including businesses where the only employees are the owner and spouse.

How long does it take to launch a plan once I get started?

Most plans can be ready to launch within X business days after TRA receives complete information and required approvals.

How does Alignment(k) work with my financial advisor?

Yes. Alignment(k) is built to work with financial advisors. Your advisor can remain involved in the investment and recordkeeping decisions while TRA provides plan design, implementation, administration, and compliance support.

What recordkeeping and investment options are available?

Alignment(k) Start initially features American Funds RecordkeeperDirect® with FundFlex as its primary integrated recordkeeping solution, providing access to American Funds and investment options from other fund families. Also included are Empower Ready Select, Principal and Manulife | John Hancock.

Does TRA continue to support the plan after it launches?

Yes. TRA provides ongoing plan administration and compliance support after implementation. Additional services, including 3(16) fiduciary support, may also be available.

Pattern

Ready to start your 401(k)?