All Retirement Plans

Mutual of America offers services for a wide variety of retirement plans for employers and organizations of all sizes.

We make these available through either a mutual fund/trust platform or a group variable annuity contract.

Mutual of America delivers the cost-efficiency of a full-service provider—one company to help you meet your plan investment, communication and administrative responsibilities.

Since 1945, employers have turned to Mutual of America to help plan for retirement and meet the long-term financial objectives of their employees.

401(k) Plan

The 401(k) plan is a defined contribution retirement plan that enables employees to save for their retirement with salary deferrals. Many plan sponsors contribute a base and/or a matching contribution amount up to a certain percentage to further encourage employee participation and retention, enhance employee financial well-being and attract new talent.

403(b) Plan

403(b) plans operate much like the 401(k) plan, but may only be offered by certain tax-exempt organizations, like churches and other non-profit agencies, and public schools.

401(a) Plan

This employer-sponsored defined contribution retirement plan is available to governmental, for-profit and nonprofit employers. Employers are not obligated to make contributions each year, but there must be recurring and substantial contributions.

457 Deferred Compensation Plan

Mutual of America's Section 457(b) Eligible Deferred Compensation plans are available to nonprofit and governmental employers. Section 457(b) Eligible Deferred Compensation plans accept contributions from both employers and plan participants, as appropriate.

You should consider the investment objectives, risks, and charges and expenses of the investment funds and, if applicable, the variable annuity contract, carefully before investing. This and other information is contained in the funds' prospectuses and summary prospectuses and the contract prospectus or brochure, if applicable, which can be obtained by calling 800.468.3785 or visiting Read them carefully before investing.