401 (k) Plans

401(k) Plans can be offered by employers to their employees to permit earnings to be allocated on a pre-tax basis into an investment plan that can grow tax deferred until withdrawals begin. The extent to which highly compensated employees (those earning $100,000 or more) can utilize the plan is based upon the extent to which the Non-Highly Compensated use the plan. For example, if the average enrollment percentage among the non-highly compensated is only 3% of pay, then the highly compensated can only enroll for an average of 5% of pay.

We offer four stand alone services in connection with 401(k) plans.

1. We provide professional staff to facilitate the enrollment of employees. Our people have many years of experience in helping employees to enroll in various forms of voluntary retirement plans. Our typical enrollment produces an average participation by the non-highly compensated employees of 5% to 6% of payroll, which normally increases over time. We are normally not dependent upon an employer match or contribution to effect this result.
   
   
2. We have the knowledge and materials to conduct employee training sessions on how to invest their 401(k) money. In periods of economic volatility, "The Volatility Buffering Strategy®" can be a valuable tool in helping employees to achieve their long-term goals.
   
   
3. We provide a mix of investment products* suitable for 401(k) plans. These products can be structured to include a list of independently selected investments from any source that is suitable to 401(k) plans as well as packages of investments from various mutual fund companies tied together by a single administrative provider.
   
   
4. We can provide complete administrative and record keeping services.

For complete information on our 401(k) programs, contact us at 1-800-VBS-401K or info@vbscorp.com.

*VBS is NOT a securities dealer. VBS has representatives who are registered with member firms of FINRA through whom all securities are offered.