Access Control Advantage

The new standard in defined contribution plan loan administration

About ACA
Chart showing increased retirement savings with ACA

Why ACA

ACA can lower plan administration costs, eliminate loan repayment through payroll processing, reduce participant borrowing, enable faster loan repayment, keep more assets in the plans and encourage employee participation. ACA works for 401(k) plan loans, 457 plan loans, and 403(b) plan loans.

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Reduce Borrowing, Increase Retirement Savings

  • For Recordkeepers

    For Recordkeepers

    Reduce plan leakage. Increase asset retention. Create recurring revenue.

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  • For Plan Sponsors

    For Plan Sponsors

    Improve employee benefits. Reduce operational burden. Protect your employees.

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  • For Plan Participants

    For Plan Participants

    Save more for retirement by borrowing only what you need, when you need it.

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Illustration of the ACA 12% advantage
How ACA Works

Embrace the 12% advantage.

We have found through 401(k) recordkeepers and others that use ACA that ACA loan balances are, on average, 12% lower than traditional retirement loans, and 30% of ACA loan repayments are higher than the minimum required. ACA can be integrated into any recordkeeping platform.

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