By joining the MassTLC Retirement Plan - delivered through our sister organization WTIA - you can save money, reduce your fiduciary liability and spend less time on administrative tasks.

Why this plan is right for your business


  • Flexible plan features, including safe harbor, Roth, and profit sharing
  • Customizable 401(k) plan design options involving eligibility, matches, vesting schedules and more
  • Cost savings on the investments
  • Minimal plan maintenance
  • Reduce your fiduciary responsibilities
  • No individual Form 5500 reporting
  • No individual annual audit


The MassTLC Retirement Plan is a Multiple Employer Plan. From a government reporting standpoint, it is treated like one large plan. The end result for you is a retirement plan with competitive investments, outstanding service, and someone else taking the fiduciary responsibilities of the day to day operations of the plan.

Strength in Numbers

When you utilize the MassTLC Retirement Plan, you have all the advantages and flexibility of a stand-alone plan sponsor, but avoid the expenses, fiduciary liabilities and administrative headaches of managing it yourself.

Let us handle the paperwork for you

By participating in the MassTLC Retirement Plan, virtually all administrative tasks can be offloaded from you to the plan manager, WTIA, or the third-party administrator, NWPS.

Tasks that can be shifted may include:

  • Administrative responsibilities
  • Distribution
  • Processing
  • Plan compliance
  • Non-discrimination testing
  • Annual reporting
  • Participant education/enrollment

The result is more time for you to focus on running your business!


Please contact the plan sponsor for the MassTLC Retirement Plan below:

Frequently Asked Questions


What is a Multiple Employer Plan (“MEP”)?
A MEP serves many employer groups through a standardized feature set that includes:

  • One pricing model
  • Base plan design with flexible design options
  • Investment menu
  • Plan fiduciary: a member governance board that oversees performance
  • Curated service team: advisor, record keeper, TPA, and relationship manager
  • In-person, webinar and phone investment advice for participants
  • Audit, 5500 and other compliance reporting

How is a MEP different than a stand-alone 401(k) plan?
A stand-alone 401(k) plan serves one employer group, does not contain many MEP features, and the employer is the fiduciary. The employer must design the plan, select the service team, and comply with all reporting and annual audit (if applicable) requirements.

Why chose a MEP over a stand-alone plan?
The MEP’s multiple value propositions include:

Active management:
We employ an in-house program manager who serves as your point person and walks you through plan design, participant enrollment, reminds you of important deadlines, supports you through compliance filings, and answers administrator and participant questions.

Cost effective:
The MEP is affordable for all employer sizes and very cost effective for groups over 100 employees. As an example, the MEP saves large employer groups (>100 employees) between $10,000 – $25,000 in annual audit costs.

Turnkey solution:
The MEP comes pre-built with some ability to customize.

Rich feature set:
The MEP includes an administrator and investment advisor for your employees.

Relief from fiduciary responsibility:
The MEP has an active member governed board that assumes investment liability and reviews investment performance. The MEP is also responsible for paying the fiduciary bond and insurance.

What companies are eligible to participate?
The MEP can serve technology companies in the U.S. that have 2 or more employees.

Is the MEP the right solution for you?
The MEP best serves tech employer groups with over 25 employees, or small tech employers who are willing to offer a 4% safe-harbor match. However, we do have plenty of groups smaller than 25 who don’t offer a match and we’ll assist with compliance issues that can arise without offering a safe harbor match.

Read more employer FAQs here.