Qualified Plan Design

More Than Investment Management

At Manning & Napier, we offer retirement plan design and governance services to improve the overall retirement-readiness of both business owners and employees. A comprehensive design and the right set of investments can help business owners lower taxes, protect assets from creditors, and save more for retirement.

What is a Qualified Plan?

A qualified plan is an employer-sponsored retirement plan that satisfies ERISA requirements. There are two types of qualified plans, defined benefit and defined contribution. Manning & Napier provides investment solutions as well as value-added services to help you establish a plan design that focuses on the following objectives:

Request our Cash Balance CIT Fund Brochure

We manage approximately $10 billion defined benefit and $12 billion defined contribution assets

We service more than 250 defined benefit accounts and more than 400 defined contribution accounts

Clientele includes unions, hospital and healthcare networks, and public and private businesses

Value-Added Services

A qualified retirement plan can provide meaningful benefits to employees while helping employers achieve both personal and company-specific financial goals. Manning & Napier offers the following services in order to align your goals with the right tools to achieve them. A qualified plan allows for even higher maximum contributions and increased design flexibility when paired with a defined contribution plan.

An Experienced Team

Our team will provide plan design consultation for defined benefit and defined contribution plans, including Cash Balance and 401(k) Combination Plan arrangements.

Plan Design

Our services are designed to complement the services of your Actuarial and Third Party Administration firm. We provide ideas to help create a retirement plan that addresses all of your goals and objectives.

Governance Analysis

Our governance analysis report summarizes a plan’s current governance structure and specifically details the obligations of the various fiduciaries.

Cash Balance Solutions

We offer a single cash balance investment solution – the Manning & Napier Cash Balance Collective Investment Trust (CIT) Fund. Key benefits include shared fiduciary responsibility and transparent institutional pricing.

Ongoing Monitoring

Our services include meeting to review a comprehensive report that evaluates your plan's progress toward specific goals and objectives.


Retirement Plan Thought Leadership

We offer a level of support far beyond investment management that can truly add value to your efforts.


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  • April 03, 2014

    What is a Cash Balance Plan?

    Cash Balance Plans have been around for many years, but were fraught with controversy stemming from age-discrimination lawsuits brought against plan sponsors who converted their traditional Defined Benefit (DB) Plans to Cash Balance Plans. It was not until the passage of the Pension Protection …
  • May 13, 2014

    Profit Sharing Allocation Methods - The Better Part of Discretion

    Most Profit Sharing/401(k) Plan sponsors have the basic understanding that the plan contributions must not discriminate in favor of the owners and other highly paid participants over non-owners and non-highly paid participants. Many business owners interpret this to mean “I can’t contribute more …
  • May 20, 2014

    Types of Qualified Plans

    Before adopting a qualified plan, an employer should first understand the various types of plans available, so that a plan that best meets the employer’s goals and objectives can be chosen. Qualified plans come in two basic flavors: Defined Contribution (DC) Plans and Defined Benefit (DB) Plans. …
  • October 27, 2015

    Regulatory FAQs: Cash Balance Plans

    Cash balance pension plans are growing in popularity, but I don’t know much about them. How is a cash balance plan different from a traditional defined benefit pension plan? It’s best to start this discussion with an illustration. If you were given a choice between the following two pension …

The Qualified Retirement Plan Team

Our team is here to create and manage a comprehensive plan that will help you meet your retirement goals while also providing meaningful benefits to your employees. 

  • Valerie Loyet, ASA, EA, FCA, MAAA

    Retirement Plans Actuary

  • James Esposito, QPA

    Qualified Plans Consultant

  • Mark Macpherson, CFA®, AIF®

    Managing Director, Client Analytics Group

  • Bryan Burdick

    Senior Investment Consultant

Unless otherwise noted, all figures are based in USD and are as of 12/31/2016.

Chartered Financial Analyst® (CFA®) is a trademark owned by CFA Institute.

Manning & Napier Advisors, LLC (Manning & Napier) provides investment advisory services to Exeter Trust Company (ETC), Trustee of the Manning & Napier Collective Investment Trust funds. The Collectives are available only for use within certain qualified employee benefit plans.


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