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401(k) Plans & Administration
Freedom One Financial Group is a trusted 401(k) Plan Adviser to employers, plan sponsors and other fiduciaries who value independent and unbiased advice on improving their retirement plan.

MLBMA has partnered with Freedom One Financial Group since 1994.

This attractive employee benefit allows employees to save money for retirement on a tax-deferred basis. Our program emphasizes and features successful employee communication, up-to-date IRS plan documents, top-performing investment options and accurate, timely administration.

The Freedom 401(k) reduces the burden of 401(k) administration placed on plan sponsors by eliminating many administrative activities by providing MLBMA members with:

  • Investment Advisory Services
  • Participant Education Solutions
  • Plan Fiduciary Services
  • Administration and Recordkeeping
  • Managed Account Portfolios

“I knew the change was in the best interest of the plan participants, but change in general always brings anxiety. I'm pleased to report the implementation went very smoothly and was actually completed faster than expected." Kate Scollin, Preston Feather Building Centers

For more information contact MLBMA at 517-394-5225.
Drug & Alcohol Administration Program

 

The US Department of Transportation requires a CDL driver operating a vehicle with a Gross Combination Weight Rating of 26,001 lbs or more be enrolled in a Drug and Alcohol testing program.  MLBMA provides an easy and economical way to meet these requirements.

MLBMA's complete, comprehensive drug and alcohol testing program will ensure that you comply with Federal Department of Transportation regulations. Let the Association remove the burden of compliance.  Our program includes collection, testing, MRO services, required drug and alcohol policies, and all recordkeeping.

Keep it Simple:
Our goal is to keep this often confusing process as simple as possible for our members. We work to stay informed on the Federal regulations so you can focus on your business.

Program Benefits

Drug and Alcohol Testing Consortium:

  • We register your company (or owner/operator) in a pool with many other drivers. This collection of drivers, called a Consortium, is managed in accordance with Federal Requirements 49 CFR Part 40. Your enrollment in this Consortium is a key element in meeting the federal regulations. While enrolled in the Consortium, you have full access to our knowledgeable staff. We will work to help you stay in compliance with the drug and alcohol testing rules set forth by the Department of Transportation. 
  • All recordkeeping as required by state and federal law is handled by MLBMA.
  • Quarterly and annual reports are prepared by MLBMA, saving you time and money and assuring your compliance.
  • A statewide network of collection sites and Evidential Breath Testing Facilities.
  • Samples collected at a local medical facility of your choice.

Program Includes:

  • Certification as Required by Federal Regulations (49 CFR Part 40)
  • Pre-Employment Testing
  • Computerized Random Selection and Certification
  • Supervisor Training
  • Quarterly and Annual Statistical Reporting
  • MRO (Medical Review Officer) Review

For program costs and enrollment information call the MLBMA office at 517-394-5225.

Section 125 Flexible Benefit Plan

An exceptional way to enhance your fringe benefit package is through a provision of the Internal Revenue Code, Section 125. This Federal tax-qualified program allows qualified insurance benefits to be purchased with before-tax dollars, resulting in tax savings for employers and employees alike.

American Fidelity is a national leader in providing Section 125 services with over 11,000 Section 125 accounts across the United States. They help you set up your plan and then keep you posted with the latest information on Section 125 plans, such as permitted mid-year election changes.

MLBMA, in partnership with American Fidelity, can provide the following services to participating MLBMA members:

Preparation of plan documents
  • Preprinted election forms 
  • Annual enrollment of plan through your American Fidelity Representative 
  • Compliance assistance
  • Administration guide furnished with plan documents 
 
In addition, the MLBMA/American Fidelity provides these services for Section 125 (Flexible Spending Account) participants:

  • Daily claims processing with turnaround time of 5 to 7 business days
  • Direct deposit of reimbursements to participant's bank account at no extra charge 
  • Toll free fax number for claim submission 
  • Flex Connection(R) (toll free automated phone) available 24 hours/day

For more information contact MLBMA at 517-394-5225.