Program Overview
Program Overview
USA 401k offers an open-architecture mutual fund, ETF, and securities program.
Our retirement plan operations have been servicing businesses for over 35 years
Businesses 1 – 1,000 employees
MML Investors Services, LLC
MML Investors Services, LLC® (MML) is a subsidiary of MassMutual. MML, in its capacity as a registered Broker-Dealer with the Financial Industry Regulatory Authority (FINRA), and member of the Securities Investor Protection Corporation (SIPC), is one of the nation’s largest independent broker-dealership and a leading registered investment advisory firms offering investment products, wealth management services, and retirement plan programs. MML, founded in 1981, currently employs over 8,000 knowledgeable investment advisors, nationally.
Your plan will be supported by individuals who hold the designations of Accredited Investment Fiduciary (AIF®) and Chartered Retirement Plan Specialist (CRPS®).
Accredited Investment Fiduciary® (AIF®) designees can demonstrate that they have met educational, competence, conduct and ethical standards to carry out a fiduciary standard of care and serve the best interests of their clients. Please visit Fi360 to learn more about an AIF.
Chartered Retirement Plan Specialist (CRPS®) is the industry-benchmark for credentials related to retirement plan creation & maintenance. A CRPS® designee has specialty knowledge to recommend implementation techniques that can be executed into well-structured, company-appropriate retirement plans.
Matrix Financial Solutions Inc. (Matrix) is the custodian for all plan assets and transactions of USA 401k. Matrix, a Broadridge Company, is a leading independent provider of products and services for financial professionals, including banks, third party administrators, recordkeepers, financial advisers, broker-dealers, mutual fund providers, and insurance providers, among others.
Matrix holds a leading position as one of the largest independent platforms in the wealth and retirement services channel. Matrix serves more than 300 financial institutions with over $120 billion in customer assets processed through its trading platform.
90% of the Fortune 500, and companies of all sizes across the U.S. rely on Matrix for 401k transaction processing.
Matix provides automated trust, custody, and agent services for qualified and non-qualified (Deferred Compensation) retirement plans. Matrix can also serve as a directed trustee or custodian for qualified retirement plans, with assets held at an outside custodian or brokerage firm.
Matrix is a Colorado state-chartered trust company.
Matrix Trust Company retains an independent, certified public accounting firm to SSAE18 internal audits of its procedures and controls.
Vestwell - Administration & Record Keeping
Vestwell provides exclusive administration and record keeping for USA 401k. Vestwell is a cloud-based modern record keeping platform providing the underlying infrastructure to power workplace savings programs, leading with the 401k, at scale. Built by industry experts and an army of technologists and developers in 2016, Vestwell helps people more easily offer, administer, and access workplace investing programs by partnering with financial institutions including MML Investors Services, LLC.
Vestwell offers services in all 50 states with headquarters in New York, NY and a regional office in Austin, TX. Since inception, Vestwell has experienced exceptional growth and is now recognized as leading industry provider signing enterprise-level deals with some of the world’s largest retirement plan providers.
Vestwell is not an affiliate or subsidiary of MML Investors Services, LLC.