Blog
November 18, 2025
Who Is Actually Responsible for Annual Retirement Plan Participant Notices?
Each year, retirement plan participants must receive required notices—such as Safe Harbor, QDIA, and automatic enrollment disclosures. But who's responsible for sending them? The answer depends on the structure of your plan. In most cases, the plan sponsor holds ultimate responsibility, but recordkeepers and third-party administrators (TPAs) often play key roles in preparing and distributing notices.
Benefit Equity, a Strongpoint Partner, helps clients navigate this process by:
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Identifying which notices apply to your plan
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Preparing accurate and timely disclosures
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Coordinating with recordkeepers to ensure delivery
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Advising on electronic vs. paper distribution methods based on DOL safe harbor rules
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Helping sponsors avoid missed deadlines and compliance penalties
Clear communication and timely delivery aren't just regulatory requirements—they're essential to maintaining trust and transparency with your employees.
Contact Benefit Equity today to clarify your responsibilities and streamline your retirement plan delivery notice process. Call us on 714-480-1364 or connect with us here on the website.