Plan Sponsor News

CONTENTS
News ➝
Enhanced Enrollment and Login Experience Now Available ➝

Compliance and Reporting Update ➝
Key Deadlines ➝
Regulatory Amendment Materials Coming Soon ➝

Things to Know ➝
Are Your Organization’s Assets Working Hard Enough? ➝
Looking for More Ways to Help Employees Save? ➝

MAJOR NEWS ANNOUNCEMENT
Enhanced Enrollment and Login Experience Now Available
Mutual of America’s new Enhanced Enrollment and Login Experience is now available, delivering a more secure, intuitive and streamlined experience for employees, plan participants, plan sponsors, and IRA and FPA customers. The enhancements are designed to simplify enrollment, improve account access, strengthen security and provide clearer guidance throughout the customer journey.

A key enhancement is the introduction of Enrollment Codes as the primary way for employees to begin the enrollment process. The updated experience also features improved navigation, a more intuitive workflow, streamlined account setup, enhanced multifactor authentication and identity verification through Plaid to help protect customer information and reduce fraud.

Enhanced Login Experience
The new login experience provides simpler, more intuitive access for all users through a redesigned landing page and streamlined navigation. Plan sponsors, participants, and IRA and FPA customers now access a single, consolidated landing page. The page offers three clear options: Log In, Enroll with Code and Register, creating a more streamlined account access and setup experience. Customers benefit from comprehensive access to all account types directly from the primary login page, providing a more seamless and efficient user experience.

What Plan Sponsors Need to Know

Enrollment Codes are now required to begin the enrollment process. Codes are included in eligible employees’ Invitations to Enroll and can also be accessed through the Plan Sponsor Portal.
Plan sponsors should establish a process for distributing Enrollment Codes to newly hired and eligible employees and are responsible for verifying an individual’s identity before providing a code.
Updated enrollment communications provide clearer instructions, direct links to enrollment resources and guidance on obtaining Enrollment Codes.
Participants who need assistance locating an Enrollment Code should contact their employer or plan administrator first. Mutual of America support remains available as an additional resource.

Plan sponsors should ensure that HR and benefits staff are familiar with the new enrollment and login processes and are prepared to assist employees with Enrollment Codes and enrollment resources. These enhancements are intended to improve the employee experience while reducing confusion and administrative effort for plan sponsors. For additional information, contact your Mutual of America representative.

Upcoming 2026 Deadlines
September 15: Employer contribution deadline for many money purchase pension plans and certain sponsors operating under tax filing extensions.
September 15: Complete refunds or recharacterizations for July plans that failed the 2025 ADP/ACP test.
October 15: Extended Form 5500 filing deadline for calendar-year plans that obtained an extension.
November 14: Third-quarter participant benefit statements and fee disclosures due.
December 2: Annual automatic enrollment, safe harbor and QDIA notices generally due for calendar-year plans.
December 31: Key year-end deadlines for plan amendments, safe harbor elections, RMDs and other compliance requirements. 12-month deadline for January plans to complete refunds that failed the 2025 ADP/ACP test (plan year ending 12/31/2025). Also, plan sponsors need to identify any employee in 2025 who had FICA wages (box 3) in 2025 of $150,000 and let their CRM know (required for Secure Act 2.0 beginning in 2026 to identify these individuals).

For additional guidance and resources, contact your Mutual of America representative or consult the applicable ERISA Compliance Calendar for your plan year.

Regulatory Amendment Materials Coming Soon
Mutual of America will soon provide plan sponsors with an amendment designed to incorporate applicable provisions of the SECURE Act of 2019, SECURE 2.0 Act of 2022, CARES Act and Bipartisan American Miners Act (BAMA) into eligible retirement plans. For many plans, the amendment has been adopted by Mutual of America as the document provider for its pre-approved 401(a) defined contribution (including 401(k)) and 403(b) plans and reflects how those plans were administered as these legislative changes took effect. Plan sponsors will receive information explaining the amendment and any actions that may be required if their plan was administered differently than the default provisions included in the amendment.

Are Your Organization’s Assets Working Hard Enough?
Your retirement plan isn’t the only asset that can help advance your organization’s mission. Through Mutual of America Capital Management, a registered investment adviser and wholly owned subsidiary of Mutual of America Life Insurance Company, organizations can professionally manage reserve funds, endowments, operating cash and other investment assets with strategies tailored to their goals, risk tolerance, liquidity needs and fiduciary responsibilities.

Our asset management services combine institutional investment expertise with customized portfolios, strategic asset allocation, ongoing oversight, disciplined rebalancing and board-ready reporting. Whether your goal is capital preservation, income generation or long-term growth, we can help you align your investments with your mission. Contact your Mutual of America representative or email assetallocation@mutualofamerica.com to learn more.

Looking for More Ways to Help Employees Save?
Mutual of America offers IRA solutions designed for different investing styles and retirement goals. Participants who prefer professional guidance can choose the MoA Managed IRA, which provides a professionally managed portfolio aligned with their goals, risk tolerance and time horizon.

For those who prefer a hands-on approach, the MoA Self-Select IRA offers the flexibility to build and manage a personalized investment portfolio. Together, these options give participants greater choice and control while helping them stay on track for retirement, no matter where they are in their financial journey.