Retirement Solutions

Transforming the future at work by delivering solutions to help drive better benefits outcomes for employers and their employees.


Corporate 401(k)

Dedicated support and flexible investments in one solution
We’ve got you covered. Your employees need flexible retirement options and your business needs streamlined solutions that generate results. When you choose MassMutual as your 401(k) plan provider, you’ll receive access to a full suite of flexible investment options (including the award-winning MassMutual Funds), full-time administrative support to streamline workflow, and engaging communication programs like RetireSmart.

Not for Profit

Connecting time-tested experience with innovative solutions
We’re here to help you, so that you can help others. We’ve provided retirement plan solutions to tax-exempt employers for more than 65 years, making us one of the most experienced providers in the business. Overcome challenges and contribute to the greater good when you choose our time-tested experience and innovative solutions.


Helping government entities for more than 60 years
Managing your 457(b), 401(a), or grandfathered 401(k) plan is a big responsibility. We’ll help take that weight off your shoulders. You'll benefit from the strength and stability that comes with 60 years of experience with government entities.

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Premier retirement service provider for more than 50 years
We understand what it takes for you to negotiate strong benefits and provide your members with the tools they need to succeed at work. MassMutual gives you that same level of support as a retirement plan provider. We’ll deliver the specialized coaching, customized education, and easy-to-use tools that your members need to build their retirement paycheck. Plus, you can feel confident knowing our Responsible Contractor Policy puts in writing our practice of hiring responsible parties who will provide appropriate worker training and comply with wage and hours laws and workplace safety regulations.

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Professional Employer Organizations (PEO) and Multiple Employer Plans (MEP)

Maximize value with benefits that work with your existing program
We understand that your value is based not only in what services you offer but also on how you interact with your employers. You need a strong 401(k) offering to round out your value-added employee benefits services. MassMutual, a leading 401(k) provider and global industry leader, helps maximize your value by enhancing and complementing your benefits offerings at every turn.

Traditional Pension

Invest in the future of your business with benefits that attract and retain top talent
When it comes to pensions, there are a lot of new options out there. However, often a more traditional approach — like a pension with a defined vesting period — still offers big value because it may motivate workers to stay with your company, especially when offered alongside a defined contribution plan. We’ll help you find the win/win in traditional pension planning, with administrative support, actuarial services, and investment management expertise to increase efficiency as well as user-friendly participant tools to inform and engage your employees.

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Pension Buy-Out

Take back your peace of mind with customized solutions that reduce risk
We’ll make sure you don’t let the stress of funding challenges, volatile markets, and unprecedented risk prevent you from running your business. We’ll help you transfer the uncertainties associated with plan assets and liabilities; eliminate accounting and funding volatility driven by the strict regulatory environment; lower corporate expenses; and increase your focus on your core business.

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Cash Balance Pension Plan

Help employees supercharge their savings and minimize their tax bills
Take a traditional defined benefit pension plan, add a 401(k), and you’ve got a cash balance pension plan. A cash balance plan provides a pension benefit based on age, length of service, and eligible pay, with employees becoming fully vested after completing three years of service.

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Investment Only

Freedom of benefits options, with the full-time support of MassMutual
If you want more flexibility in your benefits offerings, we’ve got you covered. We’ll work closely with you to help find the right fit in asset allocation, manager selection, and monitoring. Our expert practitioners can conduct due diligence and client consulting, and deliver real-time market insights to clients and advisors. Plus, you’ll be able to choose from a broad range of funds featuring portfolio management from some of the most highly regarded firms in the industry.

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Why choose a nonqualified deferred compensation plan?
NQDC plans help companies attract and retain top talent. The plans are designed to fill retirement savings gaps by complementing other salary and benefits programs, and provide personal freedom and peace of mind to select high-compensation participants.

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