Low-Fee 401(k) for Advisors
Our technology-backed-by-people business model has made LT Trust one of the fastest-growing 401(k) recordkeepers in the market.
We’re proud to administer more than 371,000 plans with over $125 billion in retirement assets*. This growth continues to be fueled by both loyal legacy advisors, as well as new advisors that historically placed plans only with insurance companies or payroll providers. As an advisor working with LT Trust, you will enjoy access to:
An organization that recognizes the Plan Sponsor is your client, not ours.
An investment in automation and innovation to ensure we keep our fees low even as our volume increases.
A dedicated relationship manager.
A knowledgeable, responsive client service team averaging over 17+ years of industry experience.
State of the art retirement income modeling tools.
Dynamic reporting capabilities.
Open architecture platform with access to nearly 30,000 funds and ETFs.
Flexible plan design options, including cross-tested/new comparability plans and automatic enrollment.
Easy, seamless annual census collection process.
Payroll processing assistance.
An experienced participant call center with consistent 90+% answer rates.
A commitment to operational excellence with transaction processing quality goals of 99%.
*as of 8/31/21 the following entities and affiliates may provide the services noted. Trust and custody services offered through American Trust Company. Securities offered through Mid Atlantic Clearing & Settlement Corporation, member FINRA/SIPC. Advisory services offered through Mid Atlantic Financial Management, Inc., a registered investment adviser. Sub-custody and trust services offered through Mid Atlantic Trust Company, a non-depository trust company. Recordkeeping services offered through AT Retirement Services, LLC. Insurance products and services offered through AT Insurance, LLC.
With LT Trust, you can serve your 401(k) clients better.
Lower Cost
As fees grow, retirement savings shrink. One of the greatest services you can provide your 401(k) clients is ensuring they’re paying the lowest fees possible. LT Trust offers an open architecture platform and applies any revenue sharing to offset plan expenses. This, as well as extremely competitive fees, makes our services one of the best values in the industry – a value that you can share with your clients.
More Time to Advise
Advising clients on 401(k)s is what you do best, and with LT Trust handling your recordkeeping and administration tasks, you can focus all of your attention on doing just that.
True Open Architecture 401(k)
We don’t have any proprietary products, which means you can construct a high-quality investment lineup using mutual funds and ETFs from any fund family. You aren’t tied down to any investment, meaning you can truly recommend what’s best for your clients.
Preservation of Principal in a Volatile Market
Volatile markets are causing worry and stress. With access to an FDIC-Insured Deposit Account, with a higher-than-average APY, you can offer your clients preservation of principal in this time of market volatility.
Personalized Portfolios with Managed Models
Having the ability to create custom portfolios is essential for any 401(k) advisor. With LT Trust’s managed models, you can pick from a universe of thousands of mutual funds and ETFs to build your clients’ ideal retirement plan. And best of all, you aren’t limited constructing a model strictly from the core fund lineup; you can incorporate specialty funds that typically aren’t suitable for a fund lineup with peace of mind, knowing a participant cannot invest their entire balance into that investment option.
Powerful, Transparent Reporting
With LT Trust, you’ll gain access to cutting-edge technology that delivers detailed plan demographic reporting, produced quarterly – at no additional cost to you or your clients. LT Trust also offers an abundance of on-demand reporting to give you real-time access to your plans’ data, so you and your clients will never be in the dark.