{"id":1840,"date":"2024-07-11T18:06:39","date_gmt":"2024-07-11T18:06:39","guid":{"rendered":"https:\/\/dev.ubgretire.com\/401k\/"},"modified":"2025-09-22T15:31:20","modified_gmt":"2025-09-22T15:31:20","slug":"401k","status":"publish","type":"page","link":"https:\/\/ubgretire.com\/es\/401k\/","title":{"rendered":"401K"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row full_width=\u00bbstretch_row_content\u00bb background_position_desktop=\u00bbcenter top\u00bb css=\u00bb.vc_custom_1733681060624{margin-bottom: 0px !important;background-image: url(https:\/\/ubgretire.com\/wp-content\/uploads\/2024\/12\/401k-Page-Stool-image-scaled.jpg?id=1005) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\u00bb el_class=\u00bbheaderrow\u00bb][vc_column css=\u00bb.vc_custom_1720799542297{margin-top: 0px !important;padding-top: 220px !important;}\u00bb][vc_empty_space height=\u00bb125px\u00bb][\/vc_column][\/vc_row][vc_row full_width=\u00bbstretch_row\u00bb css=\u00bb.vc_custom_1726334032623{background-color: #00523DB3 !important;}\u00bb el_class=\u00bbheaderoverlay\u00bb][vc_column css=\u00bb.vc_custom_1726330425656{padding-top: 5px !important;}\u00bb][vc_column_text css=\u00bb.vc_custom_1734103806754{margin-bottom: 10px !important;}\u00bb]<span style=\"color: #ffffff;\">Planes y Servicios<\/span>[\/vc_column_text][vc_single_image image=\u00bb66&#8243; img_size=\u00bbfull\u00bb css=\u00bb.vc_custom_1720799728193{margin-top: -15px !important;margin-bottom: -15px !important;margin-left: -9px !important;}\u00bb el_class=\u00bbretiremint-headerimg\u00bb][\/vc_column][\/vc_row][vc_row css=\u00bb.vc_custom_1737057762998{margin-bottom: 20px !important;}\u00bb][vc_column][vc_column_text css=\u00bb\u00bb]El plan 401(k) de UBG es una manera en que las cooperativas participantes ayudan a\u00fan m\u00e1s a sus empleados a prepararse para \u201clo que venga despu\u00e9s de que dejen de trabajar.\u201d Si consideramos que la preparaci\u00f3n financiera ideal es como un taburete de tres patas, al combinarlo con el ingreso del Seguro Social y tu beneficio de RetireMint, el plan 401(k) puede servir como la tercera pata de preparaci\u00f3n. Las ventajas incluyen:[\/vc_column_text][vc_column_text css=\u00bb.vc_custom_1734104729982{margin-bottom: 10px !important;}\u00bb el_class=\u00bbpadding\u00bb]<\/p>\n<ul>\n<li>Los planes 401(k) ofrecen altos l\u00edmites de contribuci\u00f3n (aumentados a $23,500 en 2025); a los trabajadores que est\u00e1n cerca de jubilarse se les permite hacer contribuciones adicionales.<\/li>\n<li>Muchos planes 401(k) de compa\u00f1\u00edas hacen generosos aportes equivalentes a las contribuciones de los participantes, aumentando efectivamente as\u00ed los fondos de retiro de sus empleados.<\/li>\n<li>Los participantes de planes 401(k) tienen la flexibilidad de elegir d\u00f3nde se invierten sus fondos en el mercado de valores.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text css=\u00bb.vc_custom_1737057732884{margin-top: 50px !important;margin-bottom: 0px !important;}\u00bb]UBG trabaja en colaboraci\u00f3n con intellicents y Empower para brindar beneficios de clase mundial a tu cooperativa.[\/vc_column_text][\/vc_column][\/vc_row][vc_row content_placement=\u00bbmiddle\u00bb css=\u00bb.vc_custom_1720799888762{margin-bottom: 0px !important;}\u00bb][vc_column width=\u00bb1\/3&#8243;][vc_single_image image=\u00bb1037&#8243; img_size=\u00bbfull\u00bb alignment=\u00bbcenter\u00bb css=\u00bb\u00bb el_class=\u00bbwidth75percent\u00bb][\/vc_column][vc_column width=\u00bb1\/3&#8243;][vc_single_image image=\u00bb1032&#8243; img_size=\u00bbfull\u00bb alignment=\u00bbcenter\u00bb onclick=\u00bbcustom_link\u00bb img_link_target=\u00bb_blank\u00bb css=\u00bb\u00bb el_class=\u00bbwidth75percent\u00bb link=\u00bbhttps:\/\/www.intellicents.com\u00bb][\/vc_column][vc_column width=\u00bb1\/3&#8243;][vc_single_image image=\u00bb1035&#8243; img_size=\u00bbfull\u00bb alignment=\u00bbcenter\u00bb onclick=\u00bbcustom_link\u00bb img_link_target=\u00bb_blank\u00bb css=\u00bb\u00bb el_class=\u00bbwidth75percent\u00bb link=\u00bbhttps:\/\/www.empower.com\u00bb][\/vc_column][\/vc_row][vc_row css=\u00bb.vc_custom_1733846495967{margin-bottom: 0px !important;}\u00bb][vc_column width=\u00bb1\/3&#8243;][vc_column_text css=\u00bb\u00bb]Act\u00faa como Administrador del Plan 3(16), compartiendo la responsabilidad fiduciaria con el Patrocinador del Plan en la administraci\u00f3n del plan 401(k).[\/vc_column_text][\/vc_column][vc_column width=\u00bb1\/3&#8243;][vc_column_text css=\u00bb\u00bb]3(38) Asesor de inversiones registrado (RIA) fiduciario y de primer nivel[\/vc_column_text][\/vc_column][vc_column width=\u00bb1\/3&#8243;][vc_column_text css=\u00bb\u00bb]<\/p>\n<p style=\"font-weight: 400;\">Empower es uno de los tres principales gestores de 401(k) de EE.UU.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=\u00bb.vc_custom_1734105185638{margin-bottom: 50px !important;}\u00bb][vc_column width=\u00bb1\/3&#8243;][vc_column_text css=\u00bb\u00bb el_class=\u00bbfs-16&#8243;]<\/p>\n<ul>\n<li>Apoya al personal de RRHH\/oficina\/direcci\u00f3n de la cooperativa en la administraci\u00f3n del plan<\/li>\n<li>Firma y presenta el formulario 5500<\/li>\n<li>Ayuda con el censo y cuestionario anual 401(k), auditor\u00edas 401(k), correcciones de n\u00f3minas, etc.<\/li>\n<li>Env\u00eda los datos de la n\u00f3mina a Empower y los env\u00eda para el pago ACH<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][vc_column width=\u00bb1\/3&#8243;][vc_column_text css=\u00bb\u00bb el_class=\u00bbfs-16&#8243;]<\/p>\n<ul>\n<li>Gestiona la gama de fondos del plan UBG 401(k)<\/li>\n<li>Combina a todos los part\u00edcipes del plan UBG 401(k) para obtener un precio m\u00e1s bajo del Fondo Institucional<\/li>\n<li>Proporciona asesoramiento de inversi\u00f3n gratuito a los participantes en el plan UBG 401(k)<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][vc_column width=\u00bb1\/3&#8243;][vc_column_text css=\u00bb\u00bb el_class=\u00bbfs-16&#8243;]<\/p>\n<ul>\n<li>Experiencia m\u00f3vil totalmente transaccional<\/li>\n<li>M\u00faltiples niveles de seguridad para mantener seguros los datos financieros<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=\u00bbstretch_row\u00bb css=\u00bb.vc_custom_1733681912079{margin-bottom: 0px !important;background-color: #ABE5F9 !important;}\u00bb][vc_column][vc_column_text css=\u00bb.vc_custom_1734105012180{margin-bottom: 50px !important;}\u00bb]<\/p>\n<h2 style=\"text-align: center;\">La potencia y la comodidad de uno.<\/h2>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner width=\u00bb1\/3&#8243;][vc_column_text css=\u00bb.vc_custom_1734104953272{margin-bottom: 30px !important;}\u00bb el_class=\u00bbretiremint-number\u00bb]<\/p>\n<p style=\"text-align: center;\">1<\/p>\n<p>[\/vc_column_text][vc_column_text css=\u00bb\u00bb el_class=\u00bbfw500&#8243;]<\/p>\n<p style=\"text-align: center;\">Sistema y fuente de la verdad<br \/>\npara la supervisi\u00f3n administrativa<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00bb1\/3&#8243;][vc_column_text css=\u00bb.vc_custom_1734104961385{margin-bottom: 30px !important;}\u00bb el_class=\u00bbretiremint-number\u00bb]<\/p>\n<p style=\"text-align: center;\">1<\/p>\n<p>[\/vc_column_text][vc_column_text css=\u00bb\u00bb el_class=\u00bbfw500&#8243;]<\/p>\n<p style=\"text-align: center;\">Carga de la n\u00f3mina y menos pasos en<br \/>\npara los responsables de RRHH<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00bb1\/3&#8243;][vc_column_text css=\u00bb.vc_custom_1734104966275{margin-bottom: 30px !important;}\u00bb el_class=\u00bbretiremint-number\u00bb]<\/p>\n<p style=\"text-align: center;\">1<\/p>\n<p>[\/vc_column_text][vc_column_text css=\u00bb\u00bb el_class=\u00bbfw500&#8243;]<\/p>\n<p style=\"text-align: center;\">P\u00e1gina web y contrase\u00f1a<br \/>\npara los participantes<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row full_width=\u00bbstretch_row_content\u00bb background_position_desktop=\u00bbcenter top\u00bb css=\u00bb.vc_custom_1733681060624{margin-bottom: 0px !important;background-image: url(https:\/\/ubgretire.com\/wp-content\/uploads\/2024\/12\/401k-Page-Stool-image-scaled.jpg?id=1005) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\u00bb el_class=\u00bbheaderrow\u00bb][vc_column css=\u00bb.vc_custom_1720799542297{margin-top: 0px !important;padding-top: 220px&#8230;<\/p>\n","protected":false},"author":1,"featured_media":881,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1840","page","type-page","status-publish","has-post-thumbnail"],"acf":[],"_links":{"self":[{"href":"https:\/\/ubgretire.com\/es\/wp-json\/wp\/v2\/pages\/1840","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ubgretire.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ubgretire.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ubgretire.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ubgretire.com\/es\/wp-json\/wp\/v2\/comments?post=1840"}],"version-history":[{"count":10,"href":"https:\/\/ubgretire.com\/es\/wp-json\/wp\/v2\/pages\/1840\/revisions"}],"predecessor-version":[{"id":1968,"href":"https:\/\/ubgretire.com\/es\/wp-json\/wp\/v2\/pages\/1840\/revisions\/1968"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ubgretire.com\/es\/wp-json\/wp\/v2\/media\/881"}],"wp:attachment":[{"href":"https:\/\/ubgretire.com\/es\/wp-json\/wp\/v2\/media?parent=1840"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}