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Retirement Planning is one of the top reasons employees stay.

    The Missouri Association of Manufacturers is excited to connect our manufacturing Members to financial wellness education for your employees - partnering with Dalton Stockton, CRPC, and working with Lincoln Financial Group. Help improve productivity while relieving employee financial stress.

     A recent survey by SHRM found that offering financial wellness programs to employees not only helps them focus on their work, but can help improve their overall well-being, increase employee retention, and attract new hires.*


What is a Multiple Employer Aggregation Program?

A Multiple Employer Aggregation Program (MEAP) is a qualified retirement plan adopted by multiple employers through their association with the sponsoring organization, which acts as the lead sponsor. The MEAP is designed to gather the plan’s important administrative, recordkeeping and fiduciary services to be overseen by a third party, which allows the plan sponsors who participate to outsource many responsibilities that come with running a retirement plan, and often, helps reduce costs.

Why consider joining a MEAP?

Because every business owner tells us the same thing: They want a retirement plan solutions that...


Situation: They want to focus on their business— they don’t want to be a 401(k) expert.


Solution: The MEAP can become their 401(k) department, performing most of the administrative tasks for their plan, including handling their regular contribution files.

Situation: They don’t want to be at risk of paying fines or penalties.


Solution: By joining a MEAP, employers can avoid much of the compliance concerns that come with offering their own plan. While their role as plan fiduciary still exists, many specific tasks transition to the MEAP. The employer’s ongoing role is to oversee the various parties dedicated to the plan to ensure it operates as expected.

Situation: They don’t want to overpay.


Solution: The MEAP delivers more value and services — potentially at similar or less cost than they are already paying. And, as plans grow, they’re reviewed regularly for price reductions.

Reducing Work, Responsibilities and Liabilities

There’s more to the fiduciary role than good intentions, or even good returns. It’s essential to ensure key responsibilities are met and to adopt a prudent process for selecting and monitoring investment options. A MEAP may offer the fiduciary protection many plan sponsors need.

For more information or to schedule a meeting with Dalton Stockton, contact us at

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