Helping your participants get to tomorrow, one message at a time.
Inspire and motivate participants with tailored messages designed to engage and educate them, and help them make more informed financial decisions.
Our communications have five very specific goals.
Engage
Drive involvement with both the plan and their finances.
Connect
Provide flexible, consistent, and seamless human and digital support.
Empathize
Address their feelings and behaviors around money.
Help
Provide education, tools, and guidance for their diverse financial needs.
Solve
Guide them to learn more about solutions they can use to work toward their financial goals.
Targeted and trigger-based, our entire program is designed to build trust and knowledge by delivering the right content at the right time. The goal? Encourage participants to take their next best financial step. And of course, each step a participant takes helps determine the next communication they receive.
Here are some examples of how relevant messaging and resources can help participants reach their financial goals.
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- Audience: Newly eligible employees who can now enroll in their plan.
- Purpose: Provide direction on how to enroll and start interacting with their plan.
Expand screenshot for Eligible to enroll.
View SAMPLE landing page PDF for Eligible to enroll. (Opens in a new window).
View SAMPLE Plan Guide for Eligible to enroll. (Opens in a new window).What message could a participant receive next?
- Audience: Eligible employees who are not contributing.
- Purpose: Encourages participation, explains benefits of saving, and offers resources and support.
- Audience: Participants who are not currently saving in their plan.
- Purpose: Connect participants to an educational video to help them overcome common barriers to saving.
- Audience: Participants who recently started saving.
- Purpose: Inspires engagement, offers key first steps, and links participants to helpful resources.
Expand screenshot for Welcome to your plan.
View landing page for Welcome to your plan. (Opens in a new window).
What message could a participant receive next?
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- Audience: Participants with access to retirement plan advice but who are not using it.
- Purpose: Encourages participants to get personalized help from an independent registered investment advisor.
Expand screenshot for Get personalized advice.
View landing page for Get personalized advice. (Opens in a new window).
What message could a participant receive next?
- Audience: Participants who are saving in their retirement plan, including those who are at or on track to reach the annual IRS contribution limit.
- Purpose: Educates participants about other opportunities to work toward their financial goals.
Expand screenshot for Master your finances.
View landing page for Master your finances. (Opens in a new window).
What message could a participant receive next?
- Audience: Participants missing a beneficiary.
- Purpose: Reminds participants how important it is to name and maintain a current beneficiary.
What message could a participant receive next?
- Audience: Participants not forecast to meet annual IRS contribution limits based on elective and catch-up deferrals.
- Purpose: Inspires participants to increase contributions, maximize their match, or take advantage of catch-up contributions.
Expand screenshot for Increase your savings.
View landing page for Increase your savings. (Opens in a new window).
What message could a participant receive next?
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- Audience: Savers who are age 50 or older.
- Purpose: Offers participants a playbook of considerations, resources, and support to stay on track as retirement nears.
Expand screenshot for Preparing for retirement.
View landing page for Preparing for retirement. (Opens in a new window).
What message could a participant receive next?
- Audience: Savers who are age 60 or older.
- Purpose: Provides a list of actions and educational support to help participants confidently prepare to retire.
Expand screenshot for Nearing retirement.
View landing page for Nearing retirement. (Opens in a new window).
What message could a participant receive next?
- Audience: Savers who have turned or are turning age 50 during the calendar year.
- Purpose: Informs participants that they are eligible to make catch-up deferrals to their retirement plan account.
Communications are for illustrative purposes only, do not reflect all possible messages a participant could receive, and are subject to change.
Employer contributions are paid on a pre-tax basis and may be taxable at withdrawal.
At the Plan Sponsor’s direction, participants may have access to advice services that can provide a retirement savings and investment strategy for their Plan account, furnished by an independent registered investment advisor (“Advisor”). The Advisor is not affiliated with or an agent of Schwab Retirement Plan Services, Inc. (SRPS); Charles Schwab & Co., Inc. (CS&Co.), a federally registered investment advisor; or their affiliates. Neither SRPS, CS&Co., nor their affiliates supervise, make recommendations with respect to, or take responsibility for monitoring the advice services provided to the participants by the Advisor. The term “personalized advice” refers to personal participant data such as age, salary, and plan account balance, which will form the basis by which the independent third-party advisor will establish the participant’s investment strategy.
Schwab Retirement Plan Services, Inc. created this communication for retirement plan sponsors and retirement plan consultants, advisors, and other retirement plan service providers and fiduciaries only. Schwab Retirement Plan Services, Inc. is not a fiduciary to retirement plans or participants and only provides recordkeeping and related services.
©2023 Schwab Retirement Plan Services, Inc. All rights reserved.
CC7558528 (0323-3BS3) (05/23)