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
MichiganAlbion CollegeTIAA
MichiganAscension HealthSchwab PCRA
MichiganBattle Creek Public SchoolsFidelity BrokerageLink
MichiganBeaumont HealthFidelity BrokerageLink
MichiganBlue Cross / Blue ShieldFidelity BrokerageLink
MichiganBon Secours HospitalFidelity BrokerageLink
MichiganBronson HealthcareFidelity BrokerageLink
MichiganCalvin CollegeFidelity BrokerageLink
MichiganCentral Michigan UniversityFidelity BrokerageLink / TIAA
MichiganConcordia UniversityFidelity BrokerageLink
MichiganContinental AutoFidelity BrokerageLink
MichiganCranbrook Educational CommunityTIAA
MichiganCrittenton HospitalFidelity BrokerageLink
MichiganDelta CollegeFidelity BrokerageLink
MichiganDetroit Country Day SchoolTIAA
MichiganDetroit Medical CenterFidelity BrokerageLink
MichiganDow CorningTD Ameritrade SDBA
MichiganEastern Michigan UniversityTIAA
MichiganFerris State UniversityFidelity BrokerageLink / TIAA
MichiganFoote Memorial HospitalFidelity BrokerageLink
MichiganFrontier CommunicationsFidelity BrokerageLink
MichiganGrand Rapids Community CollegeFidelity BrokerageLink
MichiganGrand Valley State UniversityFidelity BrokerageLink / TIAA
MichiganHamtramck School DistrictFidelity BrokerageLink
MichiganHenry Ford Community CollegeFidelity BrokerageLink
MichiganHillsdale CollegeFidelity BrokerageLink
MichiganHope CollegeFidelity BrokerageLink
MichiganJackson CollegeTIAA
MichiganJackson Community CollegeFidelity BrokerageLink
MichiganKalamazoo CollegeTIAA
MichiganKalamazoo Valley CommunityTIAA
MichiganKendall CollegeTIAA
MichiganKettering UniversityTIAA
MichiganMacomb Community CollegeFidelity BrokerageLink
MichiganMadonna UniversityTIAA
MichiganMcKesson CorporationFidelity BrokerageLink
MichiganMcLaren Regional Medical CenterFidelity BrokerageLink
MichiganMeijerAlight (Hewitt) SDBA
MichiganMichelinTD Ameritrade SDBA
MichiganMichigan Public Health InstituteFidelity BrokerageLink / TIAA SDBA
MichiganMichigan State UniversityFidelity BrokerageLink / TIAA SDBA
MichiganMichigan Technological UnivTIAA
MichiganMid-Michigan Reginal Health SystemFidelity BrokerageLink
MichiganMott Community CollegeFidelity BrokerageLink
MichiganNorthern Michigan UniversityFidelity BrokerageLink
MichiganNorthwestern Michigan Community CollegeFidelity BrokerageLink
MichiganOakland Community CollegeFidelity BrokerageLink
MichiganOakland UniversityFidelity BrokerageLink / TIAA
MichiganRochester CollegeFidelity BrokerageLink
MichiganSaginaw Valley State UniversityTIAA
MichiganSchoolcraft Community CollegeFidelity BrokerageLink
MichiganSouthwestern Michigan CollegeTIAA
MichiganSparrow HospitalSchwab PCRA
MichiganSpectrum Health SystemTD Ameritrade SDBA
MichiganSt. John Hosptial Medical CenterFidelity BrokerageLink
MichiganSt. Joseph Mercy HospitalFidelity BrokerageLink
MichiganSt. Mary Hosptial (Livonia)Fidelity BrokerageLink
MichiganState of Michigan Deferred Comp Plan (All Plans)TD Ameritrade SDBA
MichiganState of Michigan Educational Achievement Authority 457TD Ameritrade SDBA
MichiganState of Michigan Public Schools PensionPlus 401(k)TD Ameritrade SDBA
MichiganTrinity Health Care / Mercy HealthSchwab PCRA & Fidelity BrokerageLink
MichiganUniversity Liggett SchoolTIAA
MichiganUniversity of Detroit MercyTIAA
MichiganUniversity of MichiganFidelity BrokerageLink, TIAA SDBA
MichiganUtica Community SchoolsFidelity BrokerageLink
MichiganW. E. Upjohn Institute ForTIAA
MichiganWalsh CollegeFidelity BrokerageLink
MichiganWashtenaw Community CollegeTIAA
MichiganWashtenaw CountyTIAA
MichiganWayne State UniversityFidelity BrokerageLink / TIAA
MichiganWestern Michigan UniversityFidelity BrokerageLink / TIAA
MichiganWhirlpoolTD Ameritrade SDBA
  • 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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