Mon - Fri : 09:00am - 05:00pm
Email
866-871-9963

Meridien Benefits

Putting The Needs Of Our Clients First
Since 1975

We specialize in providing Benefit Plans to companies throughout New England.
Our team of experts will assist you in developing, maintaining and communicating various benefit programs.

Why Meridien

Interests Aligned To YOU – While our service is extremely unique and personalized, our products are not proprietary. We are not in the business of selling mutual funds, unlike our competitors. That means you never have to wonder where our interest is aligned.

Ready To Help – Our staff of licensed professionals are always available for your organization – whether that be “one-on-one” meetings with you or participants or personalized presentations. When employees understand the benefits of retirements plans they are more likely to enroll and be a more valuable contributor to your team.

Easy To Work With – We make retirement planning easy. With over four decades of experience we provide a seamless integration for new customers. We eliminate many administrative tasks, clarify compliance concerns, and educate your employees so you can focus on your primary roles and passions.

 

401 (k) Plans

A 401 (k) plan is the most popular type of retirement plan in America. The 401 (k) became popular in the 1980s as a supplement to pensions. The plan is sponsored by an employer and allows employees to invest a portion of their paycheck before taxes are taken out.

The Meridien difference

At Meridien your organization is not simply another customer. You are a stakeholder in our company. As such, you can expect customized presentations for your organization. We meet with your employees and have “one-on-one” meetings. We want to maximize success of this plan for your organization so your employees are happier and more stable than employees that do not prepare for retirement. That’s why our clients stay with us for decades.

For Employers:

  • Retention tool for employees
  • Reduced payroll taxes
  • Employers may obtain a tax credit due to the Economic Growth and Tax Relief and Reconciliation Act.

For Employees:

  • Employee contributions are 100% vested immediately.
  • Employee contributions are not subject to federal income taxes until a distribution is made.
  • 401(k)s can permit loans and hardship withdrawals.

 

What To Do Next:
Jumpstart your 401 (k) strategy with personalized programming from Meridien University. Contact us today to see how our unique 401 (k) platform can help your company reduce administrative costs and save you money:

401-272-7070 // meridien@meridienonline.com

403 (b) Plans

A 403(b) plan is similar to a 401 (k) plan but is designed for non-profit and government organizations. Participants may be able to make pretax or Roth Contributions and some organizations match these contributions.
Participant contributions are 100% immediately vested, but matching contributions may be subjected to a vesting schedule.

The Meridien difference

We understand the focus of a mission-driven organization like non-profits and we customize these plans so they align with the values of your organization.

For Employers:

  • Retention tool for employees
  • Reduced payroll taxes
  • Employers may obtain a tax credit due to the Economic Growth and Tax Relief and Reconciliation Act.
  • The employer permanently saves the 7.65% Social Security and Medicare tax

For Employees:

  • Employee contributions are 100% vested immediately.
  • Employee contributions are not subject to federal income taxes until a distribution is made.
  • 403(b)s can permit loans and hardship withdrawals.

What To Do Next:
Contact us today to see how our unique 403 (b) platform can help your company reduce
administrative costs and save you money:

401-272-7070 // meridien@meridienonline.com

457 (b) Plans

A 457 (b) plan is a supplemental retirement plan for employees who meet eligibility criteria. Typically, the organization is a government entity or a tax-exempt entity and the eligible employees are highly compensated employees.

The Meridien difference

This plan is very unique for highly compensation employees. Because Meridien only employees certified finance professionals to manage these plans the process of implementing the plan is very easy. We meet with your team to organize the goals of the plan and then implement this with little to no administrative burden on your organization.

For Employers:

  • Retention tool for employees
  • Reduced payroll taxes
  • Employers may obtain a tax credit due to the Economic Growth and Tax Relief and Reconciliation Act.

For Employees:

  • Employee contributions are 100% vested immediately.
  • Employee contributions are not subject to federal income taxes until a distribution is made.
  • 457(b)s can permit loans and hardship withdrawals.

 

What To Do Next:
Contact us today to see how our unique 457 (b) platform can help your company
reduce administrative costs and save you money:

401-272-7070 // meridien@meridienonline.com

Pension Plans

A pension plan is generally tax exempt plan where an organization makes contributions towards a pool of funds for an employee’s future benefit. The pool of funds is then invested for future distribution when the employee retires. Employees do not have control of investment decisions with a pension plan.

The Meridien difference

Pension plans have very unique advantages and disadvantages. The promise an organization makes to an employee’s retirement is a substantial liability that should be treated with significant sensitivity. Because we are a boutique firm with substantial experience we customize plans to meet the plans retirement objectives while minimizing the liabilities.

For Employers:

 

  • Plan can be used to promote certain business strategies by offering subsidized early retirement benefits
  • Can contribute (and deduct) more than under other retirement plans
  • Can be a business of any size

For Employees:

 

  • Substantial benefits can be provided and accrued within a short time.
  • Benefits are not dependent on asset returns
  • Can’t retroactively decrease benefits

 

What To Do Next:
Contact us today so we can share how we have structured several small business pension plans to reduce administrative burden and improve or start their pension plan:

401-272-7070 // meridien@meridienonline.com

Profit Sharing Plans

Profit sharing plans are an easy way for an organization to retain high quality employees with very little administrative burden. Each plan is very unique to your organization.

The Meridien difference

Meridien provides a dedicated team of certified finance professionals to design a profit-sharing plan that meets all of your objectives.

For Employers:

 

  • Contributions to profit-sharing plans are completely discretionary.
  • Minimal administrative and tax reporting
  • Extremely flexible for small business owners

For Employees:

 

  • Generally there is no monetary requirement for employees
  • Can be structured so you can move your benefits to another plan
  • Very flexible options for employees

 

What To Do Next:
Contact us today so we can share how we have structured several small business profit sharing plans to reduce administrative burden and improve or start their profit sharing plan.

Schedule a call with a certified Meridien finance professional today:

401-272-7070 // meridien@meridienonline.com


Questions? Interested in our offerings?

INQUIRE NOW

Your Name (required)

Your Email (required)

Company

401 (k) Plans403 (b) Plans457 (b) PlansPension PlansProfit Sharing PlansOther

Disclaimer