Our Services

Defined Contribution Plans Your employees can set aside pre‐tax or Roth dollars in their retirement account to be invested in funds chosen by you. Contributions and earnings grow tax‐deferred. Click here to see limits.

401(k) retirement plans for employees of corporations.

403(b) retirement plans for employees of public entities and not‐for‐profit organizations.

Administrative Services & Recordkeeping Our integrated professional administrative staff uses a team approach that saves you significant time and energy through online process adoption and provides you with the personal attention you deserve.

  • Plan design consulting
  • Enhanced reporting and communication
  • Participant accounting flexibility
  • Plan sponsor service, investment and fiduciary reviews
  • Comprehensive compliance testing
  • Government reporting
Employee Communications Communicating with your employees about the importance of planning for retirement helps you increase participation and appreciation for the plan you’re providing. Informed investors make better decisions, leading to their long‐term happiness, which is why we continue to stay in touch with them beyond enrollment through in‐person group meetings and one‐to‐one discussions, in addition to retirement education and planning tools.

Did you know, on average, Social Security replaces only 30% of pre-retirement earnings, leaving most people to rely on their employer-sponsored retirement plans to make up the difference?

Insta Bank Retirement Plan Services Communication Approach

nvestment Solutions

Portfolio Management Infographic

Insta Bank’s open architecture investment approach means that we’re not tied to any proprietary funds, ensuring that you receive objective advice regarding your fund offerings.

Our fiduciary advice is available as an ERISA 3(21) Investment Advisor or an ERISA 3(38) Investment Manager.

Our top‐rated investment fund options include equity, fixed income and cash equivalent asset classes.

We utilize comprehensive screening tools and analysis in our fund selection and monitoring processes. Fund data is carefully analyzed to ensure funds will meet the desired investment objectives within the parameters of asset class coverage, giving participants a complete array of investment offerings. Funds are then reviewed on an ongoing basis to ensure investment objectives continue to be consistent with our analysts’ expectations.


qualified retirement plans

2018 Indexed Figures for Qualified Retirement Plans

Qualified Retirement Plans must take various dollar limits into consideration. Some of these are indexed and can therefore change on occasion. The IRS has announced benefit plan limits for 2018. Below are the figures for 2018, along with the previous 2017 limits for comparison.


Limits 2018 2017
401(k) Plan Elective Deferral Limit (Calendar Year) $18,500 $18,000
401(k) Plan Catch‐up Contribution Limits $6,000 $6,000
Maximum Annual Contributions Limits (Money Purchase, Profit Sharing Target Plans) $55,000 $54,000
Maximum Annual Benefit Limit Defined Benefit Plans $220,000 $215,000
Maximum Annual Compensation Limit $275,000 $270,000
Compensation Limit for Highly Compensated Employees* $120,000 $120,000
Social Security Taxable Wage Base Limit $128,400** $127,200
AGI Limits (Saver’s Credit):
Married Couples Filing Jointly $63,000 $62,000
Single and Married Individuals Filing Separately $31,500 $31,000

*Employees owning more than 5% of a company, as well as an employee who is a spouse, child, parent or grandparent of an employee owning more than 5% of a company will always be considered highly compensated.
**Updated 11/28/17

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