Fiduciary Excellence
Targeted Outcomes
We are an Independent Fiduciary Company (IFC) and Pooled Plan Provider (PPP) dedicated to helping employers, advisors, and 401(k) participants achieve better outcomes through disciplined investment management and customized target date funds, while maintaining the highest fiduciary and compliance standards in the marketplace.
Who We Are
American PPS Inc is an Independent Fiduciary Company (IFC) and Pooled Plan Provider (PPP) that monitors every aspect of our pooled employer plans. We carefully review and continuously screen each of the complex providers that service your 401(k) plan, including the corporate trustee, third party administrator (TPA), 3(16) plan fiduciary, recordkeeper, and ERISA 3(38) investment managers.
We accept full fiduciary responsibility for the day-to-day operational decisions we make on behalf of our clients. Our independent fiduciary nature means we have no conflicts of interest to navigate. Every component of the pooled employer plan is guided by a single principle: we work in the best interest of the plan participants and plan sponsors we serve.
This steadfast commitment to fiduciary duty has earned the trust of plan sponsors, advisors, and institutions across the country.
Who We Serve
We partner with every stakeholder in the retirement plan ecosystem to deliver better results at every level.
Plan Participants
Your retirement is our priority. We believe every employee has the right to a dignified retirement. We provide your employer with the tools to create a strong benefit today that can lead to a funded retirement in the future, including plan design options such as automatic enrollment and professionally managed custom target date funds that help you stay on track with age-appropriate risk management.
Plan Sponsors
Our goal is to give you time back in your day to run your business without worrying about the compliance and administration of your 401(k) plan. Through the implementation of our pooled employer plan (PEP), we seek to reduce your fiduciary liability while improving plan efficiency by pairing technology with trusted partners. Our customized plan design, high-quality administration, and 3(38) investment services help your plan run at peak performance so you can stay focused on your business.
Plan Advisors
Strengthen your client relationships with a pooled employer plan (PEP) designed to reduce fiduciary burdens for your clients, support their participants in growing retirement wealth, and simplify your work with a pre-selected menu of funds and custom target date funds. We work alongside you to deliver the highest standard of retirement plan management, and our 3(38) managers are thoroughly screened to ensure a high level of fiduciary care.
Our Solutions
Comprehensive 401(k) retirement plan services built on a foundation of fiduciary responsibility, rigorous administrative controls, and investment discipline with customized target date solutions for DOL safe harbors.
Fiduciary Services
We offer full ERISA 3(38) discretionary investment menu management and a customized target date fund series. Our 3(38) fiduciaries screen the mutual funds in the investment menu on an ongoing basis, provide reporting back to the plan sponsor, and accept fiduciary responsibility so you can run your business with confidence.
3(16) Enhanced Plan Administration Services
Expanded 3(16) plan administration services designed to take day-to-day 401(k) operational items off your plate, including approvals of loans, distributions, and rollovers; creation and upload of year-end census data; authorized plan signing; Form 5500 signing; monitoring of loans; authorization of forfeitures and reallocations; participant notices; and plan document amendments for ongoing compliance.
Administration
Third party administration (TPA) services that help keep your 401(k) plan compliant with applicable laws and regulations, including compliance testing, account reconciliation, match calculations, payroll review, profit sharing estimates, document changes and amendments, and filing required annual reports with the IRS and DOL.
Target Date Funds
Professionally managed custom target date investment solutions with transparent glide paths designed to optimize participant outcomes from enrollment through retirement. Our customized target date funds are multi-fund family solutions that allow our 3(38) manager to select what we believe are the best mutual funds available, aiming for better long-term performance versus traditional single-family target date funds at a similar or lower level of risk.
Recordkeeping
Recordkeeping services that are central to the participant and employer experience. We periodically review the marketplace for best-in-class recordkeepers to bring you and your employees a top-notch experience, with a focus on reducing complexity, improving compliance, and delivering a modern participant experience through the best technology available.
News & Insights
Stay informed with the latest retirement plan trends, regulatory updates, and market perspectives from our team.
Let's Talk
Whether you're looking to improve your current plan or exploring a new retirement solution, we'd love to hear from you.