Pentegra Retirement Services

Keys To Building Successful Retirement Outcomes (Webinar)
Keys To Building Successful Retirement Outcomes (Webinar)

Learn the best practices in accumulation and decumulation strategies for creating a retirement savings strategy and secure income stream.


Pentegra Retirement Services is NAFCU Services' Preferred Partner for qualified retirement plans for credit unions and their employees. With more than 70 years of experience in managing retirement programs, Pentegra offers deep industry knowledge and insights in developing credit union–focused retirement plan solutions designed to attract, retain and reward the talent to ensure your success.

An independent organization, today Pentegra manages over 4,000 retirement plans and more than $10 billion in assets under management. We’re focused on bringing value-added retirement plan capabilities to credit unions that are usually available only to large corporate and public retirement plans.

Pentegra’s retirement programs are designed to help credit unions improve retirement plan effectiveness, attract and retain quality employees and build a competitive advantage with unique retirement plan solutions designed exclusively for your industry. Pentegra offers the added advantage of more than 70+ years of community-based financial institution retirement plan “best practices” and a user-board of directors comprised of clients—delivering a level of retirement plan governance and oversight that is unmatched.


Pentegra offers a comprehensive array of qualified retirement plan and fiduciary outsourcing solutions, with expertise in all plan types including: Multiple Employer Plans and Group Trusts, 401(k) plans, Defined Benefit Pension plans, Cash Balance plans, 412(e)(3) Fully Insured Defined Benefit plans, Split Funded Defined Benefit plans, Profit Sharing plans, Age-Weighted plans, New Comparability plans, 403(b) plans, 401(a) plans, Section 79 plans, Non-qualified Executive Benefit and Director plans, 701.19 plans and a full array of Third Party Administrative services. Pentegra also offers the ability for credit unions to ‘private label’ retirement plans for their members.

With every retirement solution, we bring the same focus—relieving credit unions of the fiduciary and administrative burdens that come with sponsoring a retirement plan.  Pentegra’s multiple employer plans, the Pentegra Defined Benefit Plan for Financial Institutions, and its companion program, the Pentegra Defined Contribution Plan for Financial Institutions, with approximately $5.1 billion in assets, are among the largest retirement plans in the nation. These plans are unique in the industry, offering credit unions the ability to outsource primary fiduciary responsibility for the management of their retirement programs.

With more than 70 years of industry knowledge and insights gained working with credit unions nationwide, Pentegra’s retirement plan solutions are designed to help you deliver successful retirement plan outcomes for your organization and your employees.

Solution Benefits

  • Over 70 years of experience in designing retirement plans for financial institutions
  • One of the nation’s most experienced fiduciary service providers
  • 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
  • User Board of Directors delivers an unparalleled level of governance and oversight
  • Independent, unbiased approach
  • Customized Multiple Employer Plan (MEP) solutions, with a wide range of plan design provisions, investments, and service provider arrangements (bundled or unbundled)

Educational Resources

  •  Insights into Millennial Saving and Retirement Attitudes (Webinar)
    Millennials make up the largest segment of today’s workforce. Which is why your credit union should care about what they are saying about retirement savings. Join Rich Rausser as he explores insights from Pentegra’s 2017 Millennial Saving Survey Report. The report, comprised of a survey and in-depth interviews, reveals savings and retirement attitudes, financial concerns and practical advice. Knowledge gleaned from this report can be put to use by Credit Unions when considering their retirement plan offerings as a way of attracting and retaining Millennials.
  •  Attracting Millennials In Today's Workplace (Webinar)
    Retirement benefits are a significant component of that package—but with today’s workforce demographics shifting toward millennials comprising a greater percentage of the workplace, credit unions must shift their focus. 
  •  The Fiduciary SmartPath for Credit Unions (Webinar)
    With the new DOL fiduciary rules taking effect in 2017, the retirement plan landscape is changing.   Many credit unions may be concerned that they don’t have the proper arrangement in place to protect their credit union and board while also preparing their employees for retirement.  The new rules will impact the fiduciary obligations of Plan Sponsors, Trustees, and those responsible as the Named Plan Administrator for their retirement plans.  

  •  Game Changer: The Final Conflict of Interest Rules (Webinar)
    The new Department of Labor Conflict of Interest Rules represent a sea of change for the financial services industry—including credit unions. In the brave new world of retirement plan and IRA investment advice, everyone is a fiduciary and must follow ERISA-like rules. Make no mistake—this is game changing.
  •  Innovative Retirement Plan Design for Maximum Results (Webinar)

    The maturity of your credit union, the demographics of your workforce, the level of competition you face and your credit union’s cost and benefit objectives all influence the decision as to which retirement plans make the most sense for an organization. This webinar will review innovative plan design techniques as another tool to help achieve the goal of being an employer of choice and a member’s primary financial institution.

  •  Keys To Building Successful Retirement Outcomes (Webinar)
    Learn the best practices in accumulation and decumulation strategies for creating a retirement savings strategy and secure income stream.
  •  What’s in store for 2014? Pentegra Retirement Services Looks Ahead (Blog Post)
    For a look at what lies ahead in 2014 for credit unions, we turned to the Preferred Partner experts. Here is what Richard W. Rausser, Senior Vice President of Client Services, Pentegra Retirement Services had to say.
  •  The 401(k) Plan of the Future is Available Now–Recommendations Regarding Redesign of 401(k) Plans (Article)
    Pentegra’s goal for 2014 is to help plan sponsors understand all of the available automatic plan design features that are available to them and to help them move in the direction of adopting an industry leading, state of the art, best practices, 401(k) plan design.
  •  Credit Union Industry Experts: What's in Store for 2013 (Blog Post)
    For our year-end blog post I asked our Preferred Partners to tell us what they see coming over the horizon, from their perspective, that credit union executives need to be focused on and/or prepared for as we head into 2013. Looking back a year, I see some common themes—revenue issues, economic uncertainty, regulatory uncertainty, and political uncertainty. Read more of this NAFCU Services Blog post.
  •  It’s the End of the World as We Know It, and I Feel…Fine? (Blog Post)
    This blog delves into results from a Pentegra Retirement Services survey, which explores the attitudes, awareness, and actions being taken by adults in preparation for retirement. Read more of this NAFCU Services Blog post.
  •  New Survey Shows Retirement Attitudes and Awareness (Article)

    A new Pentegra Retirement Services survey, conducted online by Harris Interactive on its behalf in September 2012, revealed that nearly one-third (32%) of U.S. adults who would like to retire do not know if they will be able to retire or do not believe they will ever be able to retire. In addition only 19% -- nearly one in five adults  -- said that they will be able to retire at age 65.  

  •  10 Things Credit Union Executives Need to Know about Pensions and 401(k)s (Webinar)

    National retirement policy is becoming a topic of conversation not just in Washington but in boardrooms all over the U.S. and is shaping how credit unions structure and govern their retirement programs. View this recorded webinar to learn how to cut costs and improve retirement program results for your credit union!

  •  401(k) fee 101: How to Evaluate Plans and Identify Value (Webinar)

    The new Department of Labor fee disclosure rules for retirement plans go into effect July 2012. Did you know you have legal obligation to review your current plan fees? Watch this recorded webinar to learn how and where to start, the different types of service arrangements for retirement plans and the explanations of plan fees and expenses.

  •  Does Your 401(k) Have ‘Fee Vampires’? (Blog Post)

    We’re big into energy conservation in my household, and it wasn’t until we began looking more seriously into why we were using so much electricity that we discovered the dark side of all those ‘instant on’ appliances and electronics. Plugged in all the time, they act like little energy vampires, sucking what is individually a small amount of electricity out of the grid for our convenience. Read more of this NAFCU Services Blog post.

  •  Retirement Plan Fee Transparency...Are You Prepared? (Article)
    Fees and expenses are a part of every retirement plan. The new Department of Labor fee disclosure rules are designed to help you and your participants understand what you are paying for the services that you receive and the investments that you choose in your retirement plan. What you probably didn't realize is that as a plan fiduciary, you have legal obligation to review your plan fees. Learn more about how to understand and evaluate your plan fees and expenses in this helpful guide from Pentegra Retirement Services.
  •  Trends in the Defined Contribution Industry - Multiple Employer Plans (Article)
    One of the most compelling trends in the defined contribution industry today is the increased use of multiple employer plans. But, MEPs are not a new concept — they have been in existence for many years. So what has changed, and why is there renewed interest in these programs?
  •  The Free 401(k) Plan – Fact Or Fiction? (Whitepaper)
    With such a seemingly basic concept, why are 401(k) plan fees so elusive and complex? There is a common misconception in the marketplace that plans are “free” or offered at an insignificant cost. With the new DOL regulations on fee disclosure, fee transparency will become more important than ever before, as all plan fees will need to be disclosed. This article provides a summary of the types of parties and services involved in offering a 401(k) plan and how fees are charged for these services.
  •  Managing Your 401(k) for Maximum Results (Recorded Webinar)
    Ensure you and your credit union employees get the most out of your credit union retirement plan! Watch this recorded webinar to discover how to evaluate your plan's investment strategy, and help your participants develop a long term focus by understanding the time tested principles of investing for retirement.
  •  Understanding the Role of the Retirement Plan Fiduciary (Webcast)
    Rich Rausser Webcast 2010As a retirement plan fiduciary, you are personally accountable for providing prudent choices to ensure your plan is managed exclusively for the benefit of participants and beneficiaries – from selecting and monitoring plan investments and services to abiding by the plan's provisions. Rich Rausser of Pentegra Retirement Services offers an overview, several insights and an analysis of the role of a plan fiduciary in this educational webcast.
  •  Understanding Retirement Plan Fees and Expenses (Webcast)
    Rich Rausser Webcast 2010Rich Rausser of Pentegra Retirement Services helps credit unions understand and evaluate the multitude of retirement plan fees and expenses. He details the different types of retirement plan fees, where they come from, and how webcast viewers can evaluate them with their plan providers to ensure the perfect fit.
  •  Effective Retirement Plan Design for Credit Unions (Webcast)
    Rich Rausser Webcast 2010Retirement plans for employees represent a huge expense for credit unions. Designing a plan that works for both the credit union and employees requires consideration in several areas. Rich Rausser, Vice President at Pentegra Retirement Services, walks credit unions through design elements for successful retirement plans.
  •  Benchmarking Your Retirement Plan (Webcast)
    Rich Rausser Webcast 2010The process of benchmarking enables credit unions to examine whether their plans are effectively serving employees. As a key part of the compensation and benefits package, having a good 401(k) plan is critical to hiring and retaining great employees. Rich Rausser, Vice President at Pentegra Retirement Services, discusses key benchmarking metrics in this webcast.
  •  New Investment Strategies to Better Manage Pension Liabilities for Defined Benefit Plans (Podcast)
    As they say, the best laid plans of mice and men often go awry. Unfortunately, in no area has this been truer than in pension planning, in particular for defined benefit plans. In this podcast, we interview two retirement experts on how credit unions can best manage liabilities and volatility for defined benefits.
  •  The Impact of the Pension Protection Act on Defined Benefit Pension Plan Investing (Whitepaper)
    US pension fund investment managers are faced with the complex task of complying with the requirements of the PPA legislation in 2008. These requirements have profoundly changed the way pension liabilities must be valued, bringing mark to market valuations to liabilities. The PPA also gives managers the opportunity to update the valuation and investment of the assets.
  •  CEO and Board Liability for 401(k) and Retirement Plan Fiduciary Obligations (Podcast)
    This podcast focuses on CEO and Board Liability for 401(k) and Retirement Plans. Nearly every credit union has these plans in some form, and for every one someone – usually the CEO – serves as what is called the plan fiduciary. That role carries with it significant responsibilities and, as you will find out, significant personal (not corporate) liability as well.

View All Educational Resources



Maria Siegel, Director of Marketing & Communications
(203) 926-3001