Defined contribution plans. Built to engage. Trusted to deliver.

Helping drive better outcomes through participant experience, insight, and innovation.

The core of your workplace strategy

With your DC plan at the center of your benefits offering, we work with you to build an integrated workplace benefit strategy, including:

  • Defined benefit plans
  • Nonqualified plans
  • Stock plan services
  • Consumer-directed health solutions
  • Financial wellness and planning

     

When benefits work together, everyone wins — participants get a clear view of their benefits and you gain simpler administration and dedicated support. 

From 401(k) to 403(b) and more — defined by results

We simplify the path forward by aligning plan types for plan sponsors and participants alike.

Core DC plans

Our foundation — where we are a leader



• 401(k)


• 403(b)


• 457(b)


• 401(a)


• Profit sharing, money purchase, and other DC plan designs

Added value

Additional workplace benefits and services we offer: 

• Empower Benefit Consulting Services


• Student debt solutions


• Health savings accounts (HSAs)


• Flexible spending accounts (FSAs)


• Commuter benefits

Markets we serve

Flexible support across every sector and size



• Small and growing businesses


• Large and mega organizations


• Government entities


• Non-for-profit organizations


• Taft-Hartley organizations

A smarter way to engage participants

Built to help your people take control of their finances for a better today and a brighter tomorrow.

  • One experience, any device  

    Placing the plan at participants’ fingertips, at home, and on the go.

  • Financial wellness

    Providing educational tools and guidance to help increase confidence.

  • Personalized messaging

    Timely, relevant, and tailored to an individual’s needs.

  • Fiduciary advice

    Flexible, personal advice when people want it and need it. 

Administrative ease

Simplifying plan administration with exceptional service and smart tools that make plan management easier:


  • Immediate access to plan data and participant records
  • Plan diagnostics and analytics
  • 24/7 access to service inquiries

Empower Security Guarantee

Participants are automatically covered by our security guarantee, which fully reimburses losses that occur through no fault of their own — with no cap or restrictions.

We guard your data with people, processes and technology

Service you can count on, plan expertise you can trust