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EQUI-PATH 403(b) Mutual Fund

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call (800) 924-6669

Business Strategies


Log in to AXA

For Customers, Financial Professionals and Employees

New to AXA? Need to register?

For Employer Plan Administrators

Retirement Gateway, Retirement Strategies or Momentum
- View demo

EQUI-PATH 403(b) Mutual Fund

PLAN SPONSOR SERVICES

How our plans can help employers


AXA’s comprehensive plan sponsor services

We’re here for you


Seamless plan setup

With 75 years’ experience serving tens of thousands of plan sponsors and millions of participants, AXA has the expertise and retirement plan solutions that can make the choice a simple one. And our statistics are compelling – over 29,000 retirement plans; over 847,000 plan participants; and $25.1 billion in retirement plan assets under management.1 But it’s not just our numbers. It’s about our approach to providing employers with the kind of focus and service that makes offering retirement benefits as smooth and low-maintenance as possible.

When it’s time to put your retirement plan into action, you’ll have our full support and partnership. Whether you choose AXA as your sole plan provider or are integrating us into a multi-provider environment, our experienced teams will work closely with you to help determine a plan design, investment lineup and features that best fit your organization and your employee needs. It all adds up to a seamless plan implementation that can help minimize costs and administrative time, while letting you introduce your employees to outstanding retirement benefits quickly and efficiently.


Guidance and support for retirement planning and decision-making

Our approach to providing retirement benefits is simple - a dedicated focus and unsurpassed service that makes offering retirement benefits as smooth, simple and as low-maintenance as possible. Making sure your employees are fully engaged with your retirement plan is one of our top priorities. That’s why we offer full support from highly trained, dedicated financial professionals who provide in-person assistance to help each individual understand how and why they should participate in your plan.


Solid administrative support

You will have unlimited access to our full administrative support services, including plan documents and updates as well as contribution statements, plan reports and summary annual statements. And our comprehensive technology solutions make it easier to manage your administrative role. But whenever you need it, you can count on receiving personal service from a local financial professional who is dedicated to meeting your needs.


We’re here for your employees


Employee education and empowerment

Communication
Our comprehensive employee communication and education programs are designed to truly engage your employees, and give them the insight and confidence they need to invest in their future.

Support
Your employees will benefit from personalized investment education services delivered by highly trained financial professionals. In addition, we offer one-on-one assistance to new, existing, retiring or terminating employees along with comprehensive annual reviews, contribution monitoring, risk profile analysis and investment strategy suggestions.


Broad range of investments

In retirement planning, there’s no such thing as one-size-fits-all. That’s why we offer a broad array of investment options, including a diverse lineup of portfolios across all major asset classes from some of the industry’s top fund managers.

  • Target-date and risk-based asset allocation portfolios
  • Guaranteed Interest Option (GIO)
  • The Structured Investment Option (Please click here for more information on this investment option)

Personal Income BenefitSM

Guaranteed income for life - Personal Income Benefit

An optional guaranteed withdrawal benefit can provide lifetime income payments to your employees. This benefit is available for an additional fee and guarantees a steady stream of withdrawals that will continue throughout retirement, regardless of market volatility, inflation, or even how long your employees live.2

Learn more about Personal Income Benefit for EQUI-VEST and Retirement Gateway.

Managed Accounts

An optional service for clients that allows them the opportunity to utilize a professional money manager to oversee their investments to choose a diversified portfolio that is continuously monitored, based upon their goals, risk, age, contribution level and the changing economy.

A managed account can help to meet the retirement needs of participants who cannot or do not want to monitor the economic environment on a frequent basis,

  • Individuals who enroll in the managed account service benefit from professional asset management while creating and investment portfolio that reflects their plans fund options.
  • Ongoing rebalancing to remain in line with their selected strategy
  • Portfolio monitoring services that keeps consistent with their risk tolerance


Ready to get started? So are we. Contact us at (888) 292-4636.

 

1 AXA, Assets Under Management, September 2014.
2 Please note the Personal Income BenefitSM is not appropriate if the account owner does not intend to take withdrawals prior to annuitization. Early or excess withdrawals from your Personal Income Benefit account value may significantly reduce or eliminate the value of the Personal Income Benefit.
All guarantees are based on the claims-paying ability of AXA Equitable Life Insurance Company.

Case Study

Two employers,
two approaches


Helping your employees
get retirement ready

Two employers, two approaches

Being pro-active and providing one-to-one consulting can help your employees prepare for retirement.

  • Employer #1

  • Proactive

    • Print and online
    • Targeted communications to specific groups based on contribution levels, age, etc.
    • Plan has guaranteed income feature
  • The result

    • Employee retirement rates closely match projections
    • Estimated and actual budgets are aligned over the three-year period
    • Turnover due to employees retiring enable the employer to expand its staff with a higher number of new hires
  • Employer #2

  • Less proactive

    • Print and online
    • No targeted communications; a 'one size fits all' approach
    • No guaranteed income feature
  • The result

    • Only 50% of employees in the target group retire within the projected time period
    • Limited turnover results in higher than anticipated payroll and benefits costs in years four and five, which, in turn, limit the employer’s ability to increase the size of its workforce

Assumptions:

  • Both estimate that 25% of their workforce will be eligible for retirement within the next three years.
  • Both employers assume that one-third of their potential retirees will retire in each of the next three years.
  • Each faces a staffing shortage, but do not currently have the budget resources to address it.

Infographic

Keeping employees
focused


What's distracting your staff

Keeping employees focused

Employee productivity goes down when financial stress goes up.

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retirementImageB
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Case Study

Dealing with budget strain


Getting the most value from your plan

Dealing with budget strain

The situation: a hypothetical public school district anticipates a higher than usual teacher retirement rate due to upcoming pension plan changes. This will create a significant strain on the district’s budget because payouts for unused vacation and sick leave will all be due at once.

Proposed solution: The school district negotiates to amend the teachers’ employment contract so it can offer to replace unused sick leave and vacation pay for retiring teachers, with post-employment employer contributions .1

  • District 1

  • WITH post-employment 403(b) employer contributions the district spreads it's liability for the retiring teachers’ unused sick leave/vacation pay over five years

    • Next year’s liability for unused sick leave/vacation pay: $2.8 million
    • Monthly payment: $46,666.67
    • FICA taxes the school district pays on (electively deferred) post-employment employer contributions: $02
    • FICA taxes retiring teachers pay on unused sick leave/vacation payments received as post-employment employer contributions: $0 to $6.38/mo or $83.33/year2,3
  • District 2

  • WITHOUT post-employment 403(b) employer contributions, the district pays all unused sick leave/vacation pay for the retiring teachers next year

    • This year’s liability for unused sick leave/vacation pay: $2.8 million
    • This year’s FICA taxes to be paid by employer on unused sick leave/vacation pay: $214,200
    • Targeted communications to specific groups based on contribution levels, age, etc.
    • FICA taxes retiring teachers pay on unused sick leave/vacation payments: 7.65%

The result:

  • School District 1 saves $214,200 in FICA taxes.
  • School District 1 can spread the district’s payments over five years, easing the budget strain.
  • Retiring teachers in District 1 save 15.3% in FICA taxes on the amounts due them.
  • District 1's retiring teachers get to defer taxes on an otherwise taxable benefit, and potentially avoid a higher marginal tax bracket.

 

1 WEA Trust, WEA Trust Member Benefits Brochure
2 US Internal Revenue Service, Retirement Topics - Contributions, IRS Benefit and Contribution Limits
3 Federal and State income taxes still apply at distribution.

Learn more

Products and services


Take the next step

Learn how we help people in these industries


Education & Hospitals

K-12, colleges, universities, and hospitals

Government

State, county, and local governments

Non-profit

501(c)(3) non-profit organizations

Corporate

Businessess with 25-500 employers

Why AXA


AXA is a leading provider of retirement savings products and services. We can help you get your employees "retirement ready."

News

News you can use


Selected updates on plan information
you need

News you can use

Selected updates on plan information you need

October 2014

IRS announces new Cost of Living Adjustment limits

Familiarize yourself with the current IRS limits on the dollar amount of contributions to retirement plans.

June 2014

How to increase savings using automatic enrollment

Review this issue brief on using automatic enrollment in local government retirement plans to increase savings.

February 2014

What do you need to know?

The IRS' 2014 tax and reporting Quick Reference Guide summarizes the requirements for governmental plan employers.

Infographic

Won't stop? Or can't stop?


Why some employees delay retirement

Won't stop? Or can't stop?

Research suggests that employees may be more likely to stay on track towards retirement if they have programs available to help them develop and meet their targets.

savingImageA
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1 "Employee Financial Wellness Survey, 2014 Results," PricewaterhouseCoopers LLP. April 2014.

Infographic

Are pensions secure?


Making a backup plan

Are pensions secure?

Between 2009 and 2013 45 states and a territory made significant changes to their retirement plans.
Select a year to see which states made changes.

Variable annuities are long-term financial products designed for retirement purposes. There are contract restrictions, limitations, fees and charges associated with annuities, which include, but are not limited to, mortality and expense risk charges, sales and withdrawal charges and administrative fees. A financial professional can provide cost information and complete details. Withdrawals are subject to ordinary income tax treatment and may be subject to an additional 10% federal income tax penalty. Contact a financial professional for costs and complete details. Withdrawals may also be subject to a contractual withdrawal charge of 5% in the first five prior contract years for the EQUI-VEST series 201 contract. Variable annuities are subject to market risk including loss of principal.

An annuity contract that is purchased to fund an employer-sponsored retirement savings plan should be done so for the annuity’s features and benefits other than tax deferral. For such cases, tax deferral is not an additional benefit for the annuity. You may want to consider the relative features, benefits, and costs of this annuity with any other investment that you may have in connection with your retirement plan or arrangement.

Please consider the charges, risks, expenses and investment objectives carefully before purchasing a variable annuity. For a prospectus containing this and other information, please contact a financial professional. Read it carefully before you invest or send money.

“AXA” is the brand name of AXA Equitable Financial Services, LLC and its family of companies, including AXA Equitable Life Insurance Company (NY, NY), AXA Advisors, LLC, and AXA Distributors, LLC. AXA S.A. is a French holding company for a group of international insurance and financial services companies, including AXA Equitable Financial Services, LLC. The obligations of AXA Equitable Life Insurance Company are backed solely by their claims-paying ability.

AXA Equitable Life Insurance Company (New York, NY). Distributors: AXA Advisors, LLC and AXA Distributors, LLC (members FINRA, SIPC).

AXA Equitable, AXA Advisors, and AXA Distributors are affiliated companies and do not provide tax or legal advice. Consult with your attorney and/or tax advisors regarding your individual circumstances.

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