For Participants

Access tools to manage investment options.

The participant user portal gives participants/employees powerful access to manage their retirement account, including:

  • Research investment options 
  • Direct investment elections
  • Print reports and forms 
  • Access planning tools 
  • View account activity
  • Request loans and distributions 

Account Balance and Performance

Plan Investments and Balances

Plan participants are able to view a summary of all plan-approved investment options. For easy reference, the available plan investments have built-in informational links to the funds or outside investment service provider information. These links will satisfy the plan sponsor's requirement to provide participants with investment-related information. Account balances by investment and by source are displayed in user-friendly graphical charts and tables listing investment name, shares, and allocation percentage. 

Personal Rate of Return

To get a bearing on how their account is doing, participants can select a start-and-end date range to have the system calculate a rate of return for their investment portfolio. This is very helpful in charting participant progress and developing an effective investment structure.

Statements and Activity

Statements

Participants can easily generate an account statement with variable date ranges on demand. In addition, Aspire will automatically send a quarterly statement to each participant's email address on record.

Account History

Knowing the transactional history of your account is an important right of any participant. Within the reports module of the participant portal the history function provides access to all transactions by date, investment, contribution source and transaction type (contribution/distribution/ earnings, etc.). The Aspire system never purges any transactional history of participants’ accounts.


Investing

With just a few quick clicks of the mouse participants can manage the direction of their investments including: 

  • Elections for ongoing contributions
  • Transfers between investment options
  • Realignment of current portfolio allocations
  • Re-balance of the account


Investing

With just a few quick clicks of the mouse participants can manage the direction of their investments including: 

  • Elections for ongoing contributions
  • Transfers between investment options
  • Realignment of current portfolio allocations
  • Re-balance of the account

Investing

With just a few quick clicks of the mouse participants can manage the direction of their investments including: 

  • Elections for ongoing contributions
  • Transfers between investment options
  • Realignment of current portfolio allocations
  • Re-balance of the account

Investing

With just a few quick clicks of the mouse participants can manage the direction of their investments including: 

  • Elections for ongoing contributions
  • Transfers between investment options
  • Realignment of current portfolio allocations
  • Re-balance of the account

Loans and Distributions

The online participant portal makes requesting loans and distributions an easy process. Participants are guided through a step-by-step module that provides them with an available amount based on their account and the allowable plan provisions. The system dynamically generates customized signature-ready PDF documents for the participant to print, sign and submit for processing.


Communications

To meet the ongoing educational needs of participants, Aspire has a Resource Center to help participants with investing and saving for their retirement. The Resource Center includes:        

  • Articles on the fundamentals of investing
  • Guides to understanding retirement plans
  • Market and fund research quotes/charts
  • Suite of interactive calculators
  • FAQs and glossary of terms

Plan Library

Operational forms and important plan documents can be archived in the Library section of the plan. Participants have quick and easy access to view and download any relevant plan forms, notices, disclosures and application forms from any of the approved investment service providers within the plan.  

Help Desk

Participants seeking assistance with the website, administrative or investment-related questions can access the Help Desk feature in the plan services module. The Help Desk utilizes the built-in message system that sends an email to the administrative personnel for the plan or the authorized agent on their account.     


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