State Pathways
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A pathway-based plan management solution for states — guiding every employer to the right retirement program through one efficient, centralized platform.
OUR MISSION
Helping Americans Retire
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Our mission is to equip states with an efficient marketplace, empowering America’s small business owners to build a secure, dignified retirement
THE PROBLEM
There is no efficient marketplace for startup retirement plans.
Not Enough Coverage
63% of small businesses lack access to a company retirement plan for their employees.
Not Enough Resources
Small employers lack the resources to search for and obtain a retirement plan for their employees.
Not Enough Access
Small business owners today lack efficient access to distribution channels for obtaining these plans.
THE SOLUTION
Direct 401K streamlines retirement plan access for state employers.
Closing The Gap
Expanding access with a scalable alternative that guides employers to either an auto-IRA or 401(k) plan.
Efficient Marketplace
Connecting small businesses to leading plan providers with transparent, cost-effective pricing.
User-Friendly Interface
A step-by-step platform that helps employers choose the right plan and onboard with ease.
THE PATHWAY
Two Pathways. One Guided Path.
Direct 401K offers two clear pathways: Auto IRA or 401(k). With our step-by-step technology, employers are guided through the process to find the right fit for their business, ensuring every plan is aligned with their goals and workforce.
No two employers have the same needs—which means retirement plans shouldn’t be one-size-fits-all.
THE PROCESS
User Simplicity
1. Access
Access state-branded website and enter employer data
2. Select
Input data, select plan type, and continue to onboarding
3. Sign
E-sign to confirm
your selected provider
4. Validate
Prudent selection process validated into CRM