Corporate Retirement Plans

Offer a retirement benefit your team will value—and we’ll handle the heavy lifting.
 


Support Your Team’s Future

Without the Stress

 

Want to offer retirement benefits your employees will appreciate—and that won’t overwhelm your internal team? We’ve got you.

*CSB Wealth Management, Trust, and or brokerage products and services are: not insured by the FDIC; not a deposit or other obligation of, or guaranteed by, the depository institution; subject to investment risks, including possible loss of the principal amount invested.




















Three glass jars with coins and growing plants showing savings growth over time.

How we can help:

 
  • 401(k) and 403(b) plans with Roth options
  • Profit sharing plans
  • Trustee and recordkeeping services
  • Compliance and plan design support
  • Local service and expert guidance
 

A well-run plan helps your team—and your business—grow.






Employee Benefit Plans

If you would like to offer a retirement plan to your employees, CSB will serve as trustee to ensure that all retirement accounts are in compliance with government regulations. We will assist in formulating a plan to fit the varied needs of your employee base.
 
  • 401(k) with Roth options
  • 403(b) Plans with Roth options
  • Profit Sharing Plans
The Platform Enables You To
  • Obtain Account Balances
  • Retrieve Fund Performance
  • Direct the Investments
  • Review Fund Investment Options
  • Change Future Investment Allocation of Contributions
  • Transfer Current Balances Among Investment Options
  • Project Future Estimated Growth
  • Review Outstanding Loan Amounts
For immediate assistance with your account call 1.800.716.3742
 
Tutorial Videos
Review tutorials and guides to help you navigate your retirement account website. There are additional tools available to learn more about retirement. 
Login Information
  • From the home page, select Login/Enroll and then click on the drop-down box and choose 401(k)
For login assistance, call 1.800.716.3742

Tutorial Videos
Review tutorials and guides to help you navigate your retirement account website. There are additional tools available to learn more about retirement. 
What are 401(k) and 403(b) Retirement Plans?
Both 401(k) and 403(b) plans are retirement plan options sponsored by employers. The name comes from the tax code sections where the information can be found. Both options come with Traditional and Roth options and are qualified tax-advantaged retirement plans. So what are the differences?
 
401(k)
401(k) plans are offered by private for profit companies. Employees are able to make tax deferred contributions from their pay checks and can choose if the contribution are made post or pre-tax. Along with the availability of company match contributions, these types of accounts also allow for profit-sharing contributions.
 
403(b)
403(b) plans are offered by nonprofit organizations and government employers like public school and some ministries. These types of plans have the ability to invest in annuities and mutual funds. Many of the features found in a 403(b) plan are the same as a 401(k), like tax deferred contributions and company match, but it may depend on the employer.
What are Profit Sharing Plans?
Profit Sharing Plans are a benefit offered by an employer. This type of plan shares the companies profits with its employees. These types of plans often come with a vesting schedule. Vesting schedules differ from plan to plan but it can take up to six (6) years to become fully vested. The amount added to the plans of each employee can also vary on how long employee has been at the company.

What does fully vested mean?
Fully vested means that an employee has stayed at a company long enough to have earned the right to keep 100% of the profit sharing or employer matching contribution. An employee is always 100% vested in their own contributions. Example: If in order to become fully vested an employee must stay for three (3) years and the employee left after two (2). Then the employee would only be able to take 66% of the employer match or profit sharing and the other 33% stays.







we're here, when you're ready


Whether you're exploring options or already have a plan in mind, we're here to help you move forward with clarity and confidence.