Retirement Solutions | Capital Group

Compete with confidence

Make Capital Group your MVP

Which firm have you chosen as your Most Valued Provider for defined contribution plans?

Capital Group, which provides plan services to more than 400,000 businesses,1 was selected most often by retirement plan advisors as being reliable and easy to do business with.2

Which solution is right for your clients?

Retirement plan solutions from Capital Group, home of American Funds, are designed to serve a broad range of clients and offer the advantages of large-plan pricing to small- and mid-size employer-sponsored retirement plans. These solutions are available in a variety of share classes to accommodate third-party administrators (TPAs) and advisor fee-based, including those taking advantage of a recapture account, and commission-based practice models.

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RecordkeeperDirect®

  • Designed especially for smaller plans
  • Simple to operate and maintain
  • Low-cost recordkeeping and investments
  • Customized plan administration by a TPA

 PlanPremier®-TPA

  • Designed especially for larger plans
  • Robust yet low-cost plan services
  • Hundreds of mutual funds from dozens of investment managers*, including American Funds
  • Customized plan administration by a TPA

*As of 12/31/2019. Available investment options will vary by retirement plan solution and share class.


Save your clients money

Our strategic approach to plan pricing is designed to be low-cost and to provide better overall value.

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Low-cost pricing
We offer the benefits of large-plan pricing to small- and mid-sized plans.
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Strategic pricing
With our straightforward pricing approach, plan sponsors know exactly what they’re paying and what those fees are for.
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Compensation
Multiple share classes accommodate a variety of compensation options for TPAs as well as fee-based and commission-based advisors.

Learn more about our retirement plan solutions:

 RecordkeeperDirect

 PlanPremier-TPA


Build a stronger plan menu

Investment returns are critical to any plan participant’s long-term success. With Capital Group, you can start with a target date retirement series “most recommended” by advisors2 and then build a diversified investment menu by choosing from hundreds of funds from well-respected managers.*

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American Funds received 2020 honors

With 13 Refinitiv Lipper Fund Awards, American Funds has won multiple awards in 12 consecutive years.3

Morningstar

"Thrilling" underlying strategies

7 of the underlying equity strategies in the American Funds series were recognized on the Morningstar® "Thrilling 36" list.4

Learn more about our target date series and our portfolio series:

 American Funds Target Date Retirement Series®

 American Funds Portfolio Series℠

The American Funds Target Date Retirement Series and other highly regarded American Funds are also available on many other DC platforms.

Not all of the American Funds Portfolio Series funds are available in our retirement plan solutions.

TPA Assistance and Information

(800) 421-9900


Trust a proven leader

The true test of any long-term retirement plan solution is the level of service and support the provider offers to you as the TPA as well as to plan advisors, plan sponsors and plan participants. That is, does it make your job easier and you more effective?

Retirement plan solutions that can benefit you and your clients


Advisor benefits
Personalized sales support

Plan sponsor benefits
Reliable ongoing service

Participant benefits
Help improve participant outcomes
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Get personalized sales support to build their retirement plan business

  • An experienced sales team, comprising specialists who’ve taken the time to understand their business needs, can help them win and retain more plans.
  • Highly effective webinars, videos and literature can help advisors enroll employees and educate plan participants.
  • A comprehensive advisor website makes it easier to offer more value-added services to clients.
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Rely on ongoing service to help retain satisfied clients

  • A robust plan sponsor website provides access to participant fee disclosure and the ability to approve loans and distributions.
  • A knowledgeable in-house support service team addresses and resolves issues quickly.
  • Extensive plan data and analysis is available through a customized Plan Review report, which is updated quarterly and available online.
  • For help selecting and monitoring investments, sponsors can use a fiduciary services provider of their choice; in addition to others, we facilitate access to services from an independent third party, Wilshire Associates Incorporated (Wilshire®)5.
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Help improve participant outcomes with enrollment and education support

  • An engaging suite of materials encourages employees to enroll and stay invested in the plan.
  • A comprehensive educational program, Investing for Life, helps guide participants through every stage of retirement planning and investing.
Advisor benefits
Personalized sales support

Get personalized sales support to build their retirement plan business

  • An experienced sales team, comprising specialists who’ve taken the time to understand their business needs, can help them win and retain more plans.
  • Highly effective webinars, videos and literature can help advisors enroll employees and educate plan participants.
  • A comprehensive advisor website makes it easier to offer more value-added services to clients.
Plan sponsor benefits
Reliable ongoing service

Rely on ongoing service to help retain satisfied clients

  • A robust plan sponsor website provides access to participant fee disclosure and the ability to approve loans and distributions.
  • A knowledgeable in-house support service team addresses and resolves issues quickly.
  • Extensive plan data and analysis is available through a customized Plan Review report, which is updated quarterly and available online.
  • For help selecting and monitoring investments, sponsors can use a fiduciary services provider of their choice; in addition to others, we facilitate access to services from an independent third party, Wilshire Associates Incorporated (Wilshire®)5.
Participant benefits
Help improve participant outcomes

Help improve participant outcomes with enrollment and education support

  • An engaging suite of materials encourages employees to enroll and stay invested in the plan.
  • A comprehensive educational program, Investing for Life, helps guide participants through every stage of retirement planning and investing.

What’s next

Get a preliminary fee quote

Use Price-It Tool℠ to get an estimate of plan costs.

 

1 401(k), SEP and SIMPLE plans as of December 31, 2019.
2 Escalent, Cogent Syndicated, Retirement Plan Advisor Trends, October 2019. Methodology: There were 534 respondents to a web survey conducted from August 15 to 23, 2019. The respondents consisted of financial advisors managing defined contribution plans.
3 Source: Refinitiv Lipper Fund Awards. © 2020 Refinitiv. All rights reserved. The 2020 Refinitiv Lipper Fund Awards were awarded on March 5, 2020, and were based on calculations through November 2019. The Refinitiv Lipper Fund Awards, granted annually, highlight funds and fund companies that have excelled in delivering consistently strong risk-adjusted performance relative to their peers. The Refinitiv Lipper Fund Awards are based on the Lipper Leader for Consistent Return rating, which is a risk-adjusted performance measure calculated over 36, 60 and 120 months. The fund with the highest Lipper Leader for Consistent Return (Effective Return) value in each eligible classification wins the Refinitiv Lipper Fund Award. For more information, see lipperfundawards.com. Although Refinitiv Lipper makes reasonable efforts to ensure the accuracy and reliability of the data contained herein, the accuracy is not guaranteed by Refinitiv Lipper.
4 Source: Morningstar, "Fund Investor: The Thrilling 36" by Russel Kinnel, August 2020. Morningstar's screening took into consideration expense ratios, manager ownership, returns over manager's tenure, and Morningstar Risk, Analyst and Parent ratings. The universe was limited to share classes accessible to individual investors with a minimum investment no greater than $50,000 and did not include funds of funds. Class A shares were evaluated for American Funds. American Funds Target Date Retirement Series invests in Class R-6 shares of the underlying American Funds. Not all seven American Funds strategies are in each target date fund. Underlying funds may change over time.
5 Wilshire’s recommendations are subject to any generally applicable limitation on the investment options available, including limitations imposed by the plan’s recordkeeper or financial professional. Plans that elect target-date mapping at plan conversion may only choose coverage under the 3(21) Select List. Wilshire® is a registered service mark of Wilshire Associates Incorporated, Santa Monica, California. All other trade names, trademarks and/ or service marks are the property of their respective holders. Wilshire is not an affiliate of any member company of American Funds. Wilshire is solely responsible for the program material and its investment recommendations. The complete terms and limitations of Wilshire’s 3(21) Investment Adviser and 3(38) Investment Manager programs may be found in the applicable agreement between the plan sponsor and Wilshire.


Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.

Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing. 

Although the target date portfolios are managed for investors on a projected retirement date time frame, the allocation strategy does not guarantee that investors' retirement goals will be met. The target date is the year that corresponds roughly to the year in which an investor is assumed to retire and begin taking withdrawals. Investment professionals manage the portfolio, moving it from a more growth-oriented strategy to a more income-oriented focus as the target date gets closer. Investment professionals continue to manage each portfolio for approximately 30 years after it reaches its target date. 

All Capital Group trademarks mentioned are owned by The Capital Group Companies, Inc., an affiliated company or fund. All other company and product names mentioned are the property of their respective companies.

This content, developed by Capital Group, home of American Funds, should not be used as a primary basis for investment decisions and is not intended to serve as impartial investment or fiduciary advice.