Get the latest updates for our retirement plan solutions.
-
-
RecordkeeperDirect®
Help drive better participant outcomes through education
Summer can be a good time to conduct participant education meetings. From increasing contributions to dealing with market volatility, we offer many educational resources to help boost participation and improve retirement outcomes.
Visit the plan sponsor website to access our participant education brochures. Under Forms, select For participants, then Handouts and instructions.
Offer more fund flexibility
RecordkeeperDirect (with fund flexibility) enables you to offer access to investments from multiple fund managers, including American Funds for an additional fee. Add to that the many benefits that RecordkeeperDirect offers today, like simplified administration, powerful employee engagement and straightforward pricing.
RecordkeeperDirect (with fund flexibility) is available now to new plans and coming soon for existing plans.
Simplify retirement plan notices
Plan sponsors have a responsibility to send certain plan notices to employees every year. But that doesn’t mean they need to spend a lot of time printing documents and stuffing envelopes. Our notice delivery services make it easy for plan sponsors to send notices and fulfill their fiduciary duties.
For PlanPremier, plan sponsors may opt to have a range of notices automatically generated and sent via email for free (or $2.50 each via regular mail). They may also upload a notice and have us mail it for $2.00 per mailed notice. Learn more about notice delivery for PlanPremier.
For RecordkeeperDirect, plan sponsors may upload a notice and have us mail it for $2.00 per mailed notice. Learn more about notice delivery for RecordkeeperDirect.
-
PlanPremier®
Help drive better participant outcomes through education
Summer can be a good time to conduct participant education meetings. From increasing contributions to dealing with market volatility, we offer many educational resources to help boost participation and improve retirement outcomes.
Simplify retirement plan notices
Plan sponsors have a responsibility to send certain plan notices to employees every year. But that doesn’t mean they need to spend a lot of time printing documents and stuffing envelopes. Our notice delivery services make it easy for plan sponsors to send notices and fulfill their fiduciary duties.
For PlanPremier, plan sponsors may opt to have a range of notices automatically generated and sent via email for free (or $2.50 each via regular mail). They may also upload a notice and have us mail it for $2.00 per mailed notice. Learn more about notice delivery for PlanPremier.
For RecordkeeperDirect, plan sponsors may upload a notice and have us mail it for $2.00 per mailed notice. Learn more about notice delivery for RecordkeeperDirect.
Updated fee-based compensation calculation
We're modernizing our fee-based compensation calculation service for PlanPremier retirement plans.
When the financial professional or third-party administrator (TPA) is first assigned to the plan (or for the last quarter, if removed), fee-based payments will be calculated based on their time assigned to the plan in the recordkeeping system for the following scenarios:
• Plans with compensation payments from a recapture account with a commissionable share class (Class R-2, R-2E, R-3 or R-4)
• Plans with compensation recoveries from participant accounts with any share classCommission-based payments from 12b-1 fees will not be affected by this update.
The change will be effective with payments for the third quarter of 2025 (ending September 30). Payment timing will continue to be the same, the third-quarter payments will go out in October or November 2025 based on type. This change will impact payments at the beginning and end of the financial professional’s relationship with the plan.
For more information, please reach out to your American Funds sales representative or call us at (877) 872-5159.
-
SIMPLE IRA Plus
ICanRetire for SIMPLE IRA Plus
Our fully automated, digital participant engagement program is now available for SIMPLE IRA Plus. ICanRetire® is designed to help participants take control of their financial future and add value for plan sponsors.
Eligible employees can benefit from targeted emails that encourage them to begin saving for retirement, increase contribution levels and more. They’ll also have access to a wealth of educational content that’s designed to be fun and approachable.
ICanRetire is research-backed and behavior-focused to help enhance employee engagement at no additional cost.
-
New reporting enhancements coming soon
The Reports & Analysis section on the plan sponsor website will be updated in June 2025, providing a more robust reporting experience. If you have any saved templates, they won’t carry over. Please take time now to document any templates you have.
Domestic abuse distributions now available
Domestic abuse distributions, a new distribution type created by SECURE 2.0 Act, is now supported in RecordkeeperDirect. Existing plans can add this new distribution type with the Plan maintenance request.
Make retirement plan loans easier for plan sponsors and participants
Paper loan forms and many manual administrative tasks can soon be a thing of the past. Our electronic plan loan service offers online loan requests and approvals, real-time notifications, automatic loan policy creation and more. Use the loan services election form to take advantage of the electronic loan service at no additional cost.
Catch-up contributions for high earners
Beginning in 2026, catch-up contributions made by employees with FICA (Federal Insurance Contributions Act) compensation greater than $145,000 (to be adjusted for inflation) in the prior year will be required to be made as Roth contributions, even if regular contributions are pre-tax.
Plans that don’t already allow Roth contributions will need to add Roth elective deferrals as a contribution type (or remove catch-up contributions if you don’t want to offer Roth contributions).
Watch for additional communication from us about this change and be sure to work with your third-party administrator (TPA) and payroll provider to be prepared.
Help participants stay on track with their retirement goals
You can help plan participants create a customized retirement savings plan by encouraging them to log in to the participant website and leverage our new Retirement goals tool.
The Retirement goals tool will prompt participants to enter basic information about where they are today and the retirement they’d like to pursue. From there, the tool will show if they’re on track to reach their goals, signaling when adjustments may be needed.
New participant enrollment videos
Give employees an overview of the enrollment process and encourage them to start saving with these short how-to videos. The videos are available in both English and Spanish.
Watch: How to enroll in your workplace retirement plan
401(k) contribution limits for 2025
The annual employee contribution limit for 401(k) plans increased by $500 to $23,500. Participants aged 50-59 and 64+ can also make a catch-up contribution of $7,500. And participants aged 60 to 63 in 2025 can make a higher catch-up contribution of $11,250.
You can now verify lost participants online
To help protect plan participants, we now place a stop-mail indicator on their account if we receive returned mail.
When we place a stop-mail indicator on an account, we’ll notify the plan sponsor and/or third-party administrator by email. They can verify or update the participant’s address online.
New force-out distribution and automatic IRA rollover request form
A new form simplifies the process of requesting force-out cash distributions and/or automatic IRA rollovers for terminated participants in RecordkeeperDirect plans.
We recommend plan sponsors review their plan document and consult their third-party administrator prior to submitting this request to ensure the vesting information they provide is correct.
Get the latest SECURE 2.0 Act provisions updates
The SECURE 2.0 Act marked a significant step toward enabling more small business owners and employees to pursue retirement stability. Get the latest updates on our recordkeeping support to help you take advantage of key SECURE 2.0 provisions.
Take advantage of online enrollment
Are you and your employees still relying on paper forms to enroll or update contribution rates and beneficiaries? These activities can be streamlined through the participant website and app, potentially saving you time and reducing administrative issues. To enable online enrollment for your plan, submit the completed Online Enrollment Authorization form and Participant Data Supplement file.
Review the RecordkeeperDirect Online Enrollment Summary guide to learn more.
Make onboarding easy with Plan manager
Plan manager makes it easy to get RecordkeeperDirect clients up and running with a streamlined digital experience. Let our online tool guide you through the onboarding process — and leave the paper forms behind.
Help boost plan participation with auto enrollment
Most new retirement plans established on or after December 29, 2022, are required to automatically enroll employees and automatically escalate their contributions.* We’ve made it easy to offer these plan features and help more employees get started on their journey to retirement.
To learn more about auto enrollment and the services that we offer, check out the RecordkeeperDirect automatic enrollment overview.
Plan sponsors can enable these services by submitting the Auto Enrollment Services Election form and the Participant Data Supplement file.
* Exemptions apply for small businesses with 10 or fewer employees, church and governmental plans, and companies that have been in existence for less than three years.
Fiduciary services from Mesirow
For clients who want to hire an independent fiduciary service provider, we can now facilitate billing for Mesirow’s services and provide access to ongoing Mesirow fiduciary service reporting via our plan sponsor website.
Fiduciary service providers are unaffiliated with Capital Group and are solely responsible for the services they provide. We don’t receive compensation in connection with any fiduciary provider’s services, nor do we endorse or recommend specific fiduciary service providers.
Annual reallocation of plan-level expense accounts discontinued
The IRS recently provided guidance clarifying the timing of when plan forfeitures must be used in qualified retirement plans. Given the additional time provided by the new guidance, we’ll no longer automatically reallocate funds in plan-level expense accounts to participant accounts on an annual basis.
Plan sponsors can still issue payments from the plan-expense account for plan expenses by submitting the Fee payment authorization form. To reallocate funds to participant accounts, please send instruction to RKDirect@capitalgroup.com.
Help participants save more with interactive tools
Inspire participants to save more by setting a personalized retirement goal. Our website makes it easy for participants to track their progress each time they log in ― and potentially make changes to improve their projected retirement outcome.
Our website addresses have changed
We’ve updated our retirement plan website addresses as shown below. In doing so, we hope to make it easier to do business with us, and more clearly communicate who we are and the products and services we offer. Please be sure to update your bookmarks.
Website
New address
RecordkeeperDirect
Participant
capitalgroup.com/participant/rkd
Plan sponsor
capitalgroup.com/sponsor/rkd
Third-party administrator
capitalgroup.com/tpa/rkd
PlanPremier
Participant
capitalgroup.com/participant/planpremier
capitalgroup.com/participant/planpremier
Plan sponsor/PartnerLink — PlanPremier-Bundled
capitalgroup.com/sponsor/planpremier
capitalgroup.com/sponsor/planpremier
Plan sponsor/PartnerLink — PlanPremier TPA
capitalgroup.com/sponsor/planpremiertpa
capitalgroup.com/sponsor/planpremiertpa
SIMPLE IRA Plus
Participant
capitalgroup.com/participant/simpleiraplus
capitalgroup.com/participant/simpleiraplus
Plan sponsor
capitalgroup.com/sponsor/simpleiraplus
capitalgroup.com/sponsor/simpleiraplus
Transform PlanPremier plans with online enrollment
Online enrollment and other key features can help plan sponsors save time and provide the best experience for participants. Watch for an invitation to join an upcoming webinar and learn how to activate online enrollment.
Faster, easier hardship distributions available soon
New options will be available soon, including elimination of collecting backup documentation and allowing participants to self-certify, to help ease administrative efforts for plan sponsors and process hardship distributions faster. Watch for more information coming soon.
Catch-up contributions for high earners
Beginning in 2026, catch-up contributions made by employees with FICA (Federal Insurance Contributions Act) compensation greater than $145,000 (to be adjusted for inflation) in the prior year will be required to be made as Roth contributions, even if regular contributions are pre-tax.
Plans that don’t already allow Roth contributions, will need to work with their third-party administrator (TPA) to add Roth elective deferrals as a contribution type (or remove catch-up contributions if you don’t want to offer Roth contributions).
Watch for additional communication from us about this change and be sure to work with your payroll company to be prepared.
Upcoming maintenance may affect PlanPremier accounts
In the months ahead, PlanPremier plans may experience a short, temporary restriction that will prevent certain transaction requests, including investment allocation changes, requesting or approving loans and distributions, and submitting contributions.
We’ll notify impacted plans of the maintenance ahead of time to minimize any inconveniences.
New participant enrollment videos
Give employees an overview of the enrollment process and encourage them to start saving with these short how-to videos. The videos are available in both English and Spanish.
Watch: How to enroll in your workplace retirement plan
Our payroll integration service has been expanded
We make it easy to connect with a broad range of payroll providers to help plan sponsors simplify contributions and protect sensitive information. Check out the payroll providers available through our network connections and additional providers through Payroll Integrations. In addition to 180 standard integration, we offer 360 payroll integration to further simplify the payroll process for plan sponsors.
Learn more about our payroll integration service and direct vendor connections:
401(k) contribution limits for 2025
The annual employee contribution limit for 401(k) plans increased by $500 to $23,500. Participants aged 50-59 and 64+ can also make a catch-up contribution of $7,500. And participants aged 60 to 63 in 2025 can make a higher catch-up contribution of $11,250.
Simplify small balance distributions
Our automated mandatory distribution service makes handling the small balances that employees leave behind easier.
We’ll identify and notify impacted plan participants and process cash-out distributions as needed. And when participants are eligible for a rollover, we’ll roll their balance to an IRA at Inspira Financial, which now has a reduced annual administrative fee of $20 for new account holders.
Learn more about this time-saving service and how to get started.
Get the latest SECURE 2.0 Act provisions updates
The SECURE 2.0 Act marked a significant step toward enabling more small business owners and employees to pursue retirement stability. Get the latest updates on our recordkeeping support to help you take advantage of key SECURE 2.0 provisions.
SECURE 2.0 Act plan amendments
We’re committed to supporting key SECURE 2.0 Act provisions and making it easy for your plan to comply with the Internal Revenue Service (IRS) requirements.
For plans that use our document services, we’ll provide a SECURE 2.0 amendment prior to the IRS extended deadline to adopt the amendment. The amendment will be extensive and include all mandatory provisions, plus any optional provisions adopted by the plan. The fee for this amendment will be $1,250 per plan, billed after the amendment is provided in late 2025 to mid-2026.
Fiduciary services from Mesirow
For clients who want to hire an independent fiduciary service provider, we can now facilitate billing for Mesirow’s services and provide access to ongoing Mesirow fiduciary service reporting via our plan sponsor website.
Fiduciary service providers are unaffiliated with Capital Group and are solely responsible for the services they provide. We don’t receive compensation in connection with any fiduciary provider’s services, nor do we endorse or recommend specific fiduciary service providers.
Help participants save more with interactive tools
Inspire participants to save more by setting a personalized retirement goal. Our website makes it easy for participants to track their progress each time they log in ― and potentially make changes to improve their projected retirement outcome.
Our website addresses have changed
We’ve updated our retirement plan website addresses as shown below. In doing so, we hope to make it easier to do business with us, and more clearly communicate who we are and the products and services we offer. Please be sure to update your bookmarks.
Website
New address
RecordkeeperDirect
Participant
capitalgroup.com/participant/rkd
Plan sponsor
capitalgroup.com/sponsor/rkd
Third-party administrator
capitalgroup.com/tpa/rkd
PlanPremier
Participant
capitalgroup.com/participant/planpremier
capitalgroup.com/participant/planpremier
Plan sponsor/PartnerLink — PlanPremier-Bundled
capitalgroup.com/sponsor/planpremier
capitalgroup.com/sponsor/planpremier
Plan sponsor/PartnerLink — PlanPremier TPA
capitalgroup.com/sponsor/planpremiertpa
capitalgroup.com/sponsor/planpremiertpa
SIMPLE IRA Plus
Participant
capitalgroup.com/participant/simpleiraplus
capitalgroup.com/participant/simpleiraplus
Plan sponsor
capitalgroup.com/sponsor/simpleiraplus
capitalgroup.com/sponsor/simpleiraplus
New reporting enhancements coming soon
The Reports & Analysis section on the plan sponsor website will be updated in June 2025, providing a more robust reporting experience. If you have any saved templates, they won’t carry over. Please take time now to document any templates you have.
Help participants stay on track with their retirement goals
You can help plan participants create a customized retirement savings plan by encouraging them to log in to the participant website and leverage our new Retirement goals tool.
The Retirement goals tool will prompt participants to enter basic information about where they are today and the retirement they’d like to pursue. From there, the tool will show if they’re on track to reach their goals, signaling when adjustments may be needed.
SIMPLE IRA contribution limits for 2025
The annual employee contribution limits for SIMPLE IRA plans are as follows:
- For plans with 25 or fewer employees, maximum employee contributions are $17,600 with additional catch-up contributions* (age 50+) of up to $3,850.
- For plans with 26+ employees, maximum employee contributions are $16,500 with additional catch-up contributions (age 50+) of up to $3,500.
These plans can qualify for the higher employee contribution limits of $17,600 (and $3,850 catch-up) by making higher mandatory employer matching contributions of 4% of compensation or nonelective contributions of 3%.
- For employees aged 60 to 63 only, a higher catch-up contribution limit of $5,250 replaces the 50+ catch-up contribution limit.*
* If allowed by the plan. The 60-63 catch-up contribution limit is effective January 1, 2025.
ACH distributions now available
For greater convenience and security, ACH distributions are now available for participant distributions.
Participants can elect payment by ACH and input their checking or savings account information within the online distribution request process on the participant website. Electronic bank verification is then conducted through a third-party service provider as a fraud prevention measure.
For more information about online distributions and other website features, refer to our participant website demo.
Get the latest SECURE 2.0 Act provisions updates
The SECURE 2.0 Act marked a significant step toward enabling more small business owners and employees to pursue retirement stability. Get the latest updates on our recordkeeping support to help you take advantage of key SECURE 2.0 provisions.
Help more clients take advantage of Roth employee deferrals
With the introduction of Roth employee deferrals for SIMPLE IRAs, plan sponsors can offer participants more ways to save for retirement.
To help you discuss this optional plan feature with your clients, consider using our Roth vs. pretax contributions brochure to highlight the potential benefits of each.
Online ACH distributions available soon for participants
Beginning in mid-November, SIMPLE IRA participants will have the option of receiving their distribution proceeds via ACH direct deposit to a checking or savings account. This feature — which requires no paperwork — will help participants request distributions with greater convenience and without the risk of having a check mailed to their address of record.
Help participants save more with interactive tools
Inspire participants to save more by setting a personalized retirement goal. Our website makes it easy for participants to track their progress each time they log in ― and potentially make changes to improve their projected retirement outcome.
New help center for participants
Our new help center is designed to enable participants to find answers to common questions and better manage their retirement accounts. Topics include how to update contribution rates, managing investment portfolios, requesting distributions and more.
Our website addresses have changed
We’ve updated our retirement plan website addresses as shown below. In doing so, we hope to make it easier to do business with us, and more clearly communicate who we are and the products and services we offer. Please be sure to update your bookmarks.
Website
New address
RecordkeeperDirect
Participant
capitalgroup.com/participant/rkd
Plan sponsor
capitalgroup.com/sponsor/rkd
Third-party administrator
capitalgroup.com/tpa/rkd
PlanPremier
Participant
capitalgroup.com/participant/planpremier
capitalgroup.com/participant/planpremier
Plan sponsor/PartnerLink — PlanPremier-Bundled
capitalgroup.com/sponsor/planpremier
capitalgroup.com/sponsor/planpremier
Plan sponsor/PartnerLink — PlanPremier TPA
capitalgroup.com/sponsor/planpremiertpa
capitalgroup.com/sponsor/planpremiertpa
SIMPLE IRA Plus
Participant
capitalgroup.com/participant/simpleiraplus
capitalgroup.com/participant/simpleiraplus
Plan sponsor
capitalgroup.com/sponsor/simpleiraplus
capitalgroup.com/sponsor/simpleiraplus
CONTACT US
Find your dedicated Capital Group representative
We’re committed to helping you win and retain more plans.
