Retirement Plan Services - Pentegra Retirement Services

Pentegra Retirement Services delivers retirement plan solutions with the highest level of integrity and offers a full spectrum of retirement programs for community banks, including Multiple Employer Plans and Group Trusts, 401(k) plans, including plans with publicly and non-publicly traded employer stock, Defined Benefit Pension plans, Cash Balance plans, 412(e)(3) Fully Insured Defined Benefit plans, Split Funded Defined Benefit plans, KSOPs, ESOPs, Profit Sharing plans, Age-Weighted plans, New Comparability plans, 403(b) plans, 401(a) plans, Section 79 plans, 701.19 plans and a full array of Third Party Administrative services. With every retirement solution, Pentegra brings the same focus—relieving banks of the primary fiduciary and administrative burdens that come with sponsoring a retirement plan.

Today, Pentegra manages over 1,200 bank retirement plans and more than $10 billion in retirement plan assets for clients nationwide. As a retirement plan fiduciary for over 70 years, Pentegra offers the advantage of insights and experience gained in this unique role, and the benefit of industry best practices for fiduciary standards. Pentegra delivers a level of plan oversight and compliance confidence that is unmatched in the industry, and the oversight of a Board of Directors comprised of community bank clients who use Pentegra's products and services themselves. Pentegra tailors its relationship to meet the preferences of its clients. In every case, Pentegra can incorporate your financial advisor into the process, recognizing the value of their role in making your plan a success.



 Program Benefits

  • ​Plan features designed especially for banks, including the ability to offer bank holding company stock and/or bank certificate of deposits as investment options, and private label retirement programs for a bank's commercial clients
  • The ability to fulfill all three of the principal roles in a retirement plan—as an ERISA 402(a) Named Fiduciary, as a 3(16)(A) Plan Administrator, and as Trustee, whether as a fully discretionary trustee with sole authority over plan assets or as a directed trustee
  • Over 70 years of experience in designing retirement plans for community banks
  • One of the nation's longest-serving fiduciary service providers
  • User Board of Directors made up of participating community bank CEOs delivers an unparalleled level of governance and oversight
  • Independent, unbiased approach
  • True full-service retirement programs—including combined defined benefit and defined contribution plan capabilities
  • Customized plan communications that include 24/7 account access for plan sponsors and participants as well as on-site education meetings

Questions? Please contact Jackie Lucas for more information.


 Before We Recommend, We Research


 Blog Posts


 Webinar Recordings

Navigating the New Defined Benefit Pension Plan Landscape
Download the recording.

Game-Changer: The DOL Fiduciary Rules’ Effect on Banks

Download the recording.

The 401(k) Plan of the Future Is Available Today
Download the recording.​

Growing Your Retirement Plan Business — Leverage the Power of Multiple Employer Plans and Fiduciary Outsourcing

 Program Contacts

Corporation for American Banking
Helen Sullivan
(202) 663-5167
Steve Polestak
(202) 663-5577
Pentegra Retirement Services
701 Westchester Ave., Suite 320E
White Plains, NY  10604
Tel: (800) 872-3437
Contact: John Schafer, Vice President, National Markets
Direct: (317) 506-6875