Retirement Plans
The VBA Benefits Corporation offers a fully bundled workplace retirement plan solution in partnership with Voya Financial and SageView Advisory. We offer both qualified retirement plans (401k and Pension) and non-qualified retirement plans (for both executives and directors).
Our retirement programs are designed to deliver exceptional value through:
- Economies of Scale: Over $700 million in retirement assets and participation from more than 40 financial institutions
- Fiduciary Oversight: Managed by a 3(38) Investment Manager and overseen by peer bankers
- Community Bank Focus: Expertise in fostering a retirement readiness culture tailored for community banks
COMMUNICATION & EDUCATION
VOYA’s 401(k) Plan Participant Page
Administrative & Marketing Materials:
Who to Contact - VOYA, SageView, or HR?
2026 Cost of Living Adjustments
SECURE 2.0 ACT:
VOYA - Navigating the SECURE 2.0 Act
COMPLIANCE
2026 Compliance Checklist – Coming Soon
Records Retention Policy – Coming Soon
Plan Documents
SBA Master DB Pension Plan with 1st and 2nd Amendments
SBA Master DB Plan - IRS Opinion Letter
SBA Master DC Document with Amendments - June 2020
SBA Master DC Plan - IRS Opinion Letter
5500 Instructions:
8955-SSA E-Filing Instructions
EFAST2 Electronic Filing Instructions
EFAST2 Filing Signer Credentials
FOR YOUR RETIREMENT – NEWSLETTERS
The For Your Retirement Newsletter focuses on the State Bankers Association (SBA) Retirement Programs and streamlines important communications for Plan Administrators. The newsletter is distributed in the last month of the quarter.
2026
Q1 – Coming March 18th
2025