Step 1 of 6
Choose Your Plan Type
Select the type of retirement plan to onboard. This determines the document package, service agreements, and plan design options.
🏢
DCG 401(k)
Defined Contribution Group Plan
✓ Full employer + employee contributions
✓ Safe Harbor options (QNEC, QACA)
✓ Auto-enrollment & auto-escalation
✓ 3(16) DPF fiduciary delegation
✓ 3(38) investment management
✓ Voya recordkeeping via DCG
✓ Safe Harbor options (QNEC, QACA)
✓ Auto-enrollment & auto-escalation
✓ 3(16) DPF fiduciary delegation
✓ 3(38) investment management
✓ Voya recordkeeping via DCG
👤
Solo(k)
Owner-Only 401(k) Plan
✓ Owner + spouse only coverage
✓ Pre-tax & Roth elective deferrals
✓ Employer profit sharing contributions
✓ Simplified administration
✓ No ADP/ACP testing required
✓ Streamlined R4O service agreement
✓ Pre-tax & Roth elective deferrals
✓ Employer profit sharing contributions
✓ Simplified administration
✓ No ADP/ACP testing required
✓ Streamlined R4O service agreement
📅
Plan Timeline
Step 2 of 6
Company Information
Enter the adopting sponsor's legal information, entity details, and primary contacts.
🏛️
Legal Entity
Required🏢C Corp
🏗️S Corp
📋LLC
👤Sole Prop
🤝Partnership
📄Other
📍
Business Address
📆
Fiscal & Plan Year
👤
Primary Contact
🔗
Related Companies
If applicableAffiliated Service Group member
Controlled Group member
Step 3 of 6
Plan Design
Configure eligibility, contributions, vesting, distributions, and loans.
💡These selections drive the Voya Plan Digest and Adoption Agreement. Defaults pre-selected based on the DCG standard design.
🎯
Eligibility
⚠️LTPT Rule (SECURE Act): Long-term part-time employees with 2+ consecutive years / 500+ hours must be eligible for deferrals.
💰
Contributions
Safe Harbor Basic Match: 100% on first 3% + 50% on next 2% of compensation
🔄
Auto-Enrollment
Enable automatic enrollment
📊
Vesting
📤
Distributions
🏦
Loans
Allow participant loans
Step 4 of 6
Service Providers
Configure financial advisor details, prior recordkeeper, and TPA fees.
📈
Financial Advisor (Primary)
📈
Secondary Advisor
OptionalAdd second advisor
🔄
Prior Recordkeeper
If conversionConverting from prior recordkeeper
💳
TPA Fee Arrangement
🏦
Plan Assets
Deducted from accounts
📄
Invoiced
Billed to employer
Step 5 of 6
Document Package
Upload supporting documents and review the generated package. Each zone shows LED status as files are processed.
📦
Click any upload zone or drag-and-drop files. The LED border animates through blue (idle) → NOX rainbow (processing) → green (complete). Each zone uses a different NOX spinner animation.
📤
Upload Supporting Documents
Employee Census
CSV or XLSX with employee data
Click or drop fileProcessing...
Parsing employee data
Census Loaded
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Prior Plan Document
Existing adoption agreement or SPD
Click or drop fileProcessing...
Reading plan document
Document Loaded
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Signed Corporate Resolution
Executed resolution PDF
Click or drop fileProcessing...
Validating resolution
Resolution Loaded
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Recordkeeper Balances
Account balances for conversion
Click or drop fileProcessing...
Analyzing balance data
Balances Loaded
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IRS Determination Letter
If prior plan had one
Click or drop fileProcessing...
Reading IRS letter
Letter Loaded
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Additional Documents
Amendments, addenda, other docs
Click or drop fileProcessing...
Reading document
Document Loaded
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📦
Generated Document Package
Step 6 of 6
Review & Sign
Review your plan configuration and apply your electronic signature.
✍️
Electronic Signature
RequiredType your name above to generate signature
Sign here with mouse or touch