What is the Pentegra Private Label 401(k)?

Founded by the Federal Home Loan Bank System in 1943, for over 64 years Pentegra Retirement Services has benefited banks nationwide by managing and servicing their retirement plans. Now, through a distribution program developed exclusively for banks, The Pentegra Private Label 401(k) provides bank trust departments with a full service, fully branded 401(k) product to offer their commercial clients. With the Pentegra Private Label 401(k) program, you can offer your customers a more comprehensive array of financial services, positioning your bank to compete even more effectively.

The Pentegra Private Label 401(k) program is a private label retirement product tailored to work in conjunction with your trust department’s current client service practice so that every client is first a bank client. Our expertise becomes your expertise—we provide you with direct access to our team of retirement plan professionals, who manage the details of running a successful 401(k) program.

The Pentegra Private Label 401(k) program allows a bank to offer fully-bundled, state-of-the-art 401(k) services to its commercial clients with virtually no investment in infrastructure and no securities licensing requirements, while at the same time, gain the opportunity to earn fee income from a non-traditional product. The Pentegra Gateway Program is tailored to work in conjunction with a bank's current trust or client service practices-putting the bank at the forefront of the client relationship- so that every client is first a bank client.