Retirement Plan Overlay Management



Historically, retirement plan participants have been expected to manage their own accounts using the investment options offered in the company plan. However, according to a recent survey by the Employee Benefit Research Institute, 67% of plan participants would prefer to get guidance from a professional when selecting plan investments. Q3 has developed a solution to manage individual client accounts in a wide range of retirement plans.

Area Plans

StatePlan NameProvider
IdahoBoise CascadePrincipal Financial Group
IdahoBoise PaperAlight (Hewitt) SDBA
IdahoBoise State UniversityFidelity / TIAA
IdahoCity of BoiseEmpower Brokerage Services w/ TD AmeritradeSDBA
IdahoCollege of Southern IdahoFidelity BrokerageLink / TIAA
IdahoCollege of Western IdahoTIAA
IdahoHewlett-Packard CompanyFidelity BrokerageLink
IdahoIdaho PowerT. Rowe Price with Schwab PCRA
IdahoIdaho State Dept. of EducationFidelity
IdahoIdaho State UniversityFidelity / TIAA
IdahoJR SimplotT. Rowe Price with Schwab PCRA (limit to 25%)
IdahoLumen Technologies (CenturyLink)Schwab PCRA
IdahoMicron TechnologiesFidelity BrokerageLink
IdahoNorth Idaho CollegeTIAA
IdahoPacificorp. / Rocky MountaiEmpower Brokerage Services
IdahoPortneuf Medical CenterT. Rowe Price with Schwab PCRA
IdahoSt Luke's Health SystemFidelity BrokerageLink
IdahoSt. Alphsonsus Regional MeTramsamerica w/ Schwab PCRA
IdahoSt. Joseph Health SystemSchwab PCRA
IdahoState of Idaho 457Schwab PCRA (Nationwide)
IdahoUniversity of IdahoTIAA
  • The list above only reflects large regional plans, contact us if you would like us to manage a plan not shown.
  • Plan rules are subject to change, please contact us to confirm that a listed plan can still be managed.
  • In addition to the list above most Public School 403b accounts in the United States can be managed.

Some companies have a national presence. Click the link below to view plans that exist in many regions of the country.

View National Plans

Getting Started

Retirement Plan Management Made Easy

One of the highlights of this opportunity is that virtually any working client might be a prospect. You don’t even have to talk to the plan sponsor, since the assets remain in the plan and the participants sign up for the service direct. Simply ask existing clients & prospects if they would like you to review their retirement account.

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