The adoption agreement is your guidebook on the features associated with your retirement plan, and is something you and your administrative team should be very familiar with. It is critical that you follow the rules in your adoption agreement to help ensure the Plan stays compliant.  As a Plan Sponsor, you get to decide who is eligible to contribute to the retirement plan, what types of contributions are allowed, vesting schedules, distribution options, and more.

Our 5-minute podcast on this topic can be found by clicking on the following link:

Retirement Plan Podcast Series #9 – What’s in an Adoption Agreement?

If you’d like help understanding the rules associated with you plan, contact the team at DirectAdvisors by phone at 518-362-2119, or by email at