Estate planning for ADP retirement retirement accounts revolves around beneficiary designations. These designations—not a will—control who receives the account balance at death. For IRAs and employer-sponsored plans, the beneficiary designation also determines the tax treatment of inherited distributions, making it a decision with both legal and financial implications.

With 10 product types, ADP offers a range of transfer options. Some retirement accounts support beneficiary designations on tax-advantaged accounts, others can be retitled into a trust, and some require probate if no beneficiary is designated. The sections below break down each step.

ADP 401k EssentialADP 401k EnhancedADP 401k PremierADP Starter-k CompleteSAVE4RETIREMENT Pooled Employer Plan403(b) PlanSIMPLE IRASEP IRADefined Benefit PlanProfit Sharing Plan

1Log in to mykplan.com

2Select "My Account" then "Manage My Beneficiaries"

3Add or update primary and contingent beneficiaries

4Enter full legal name, relationship, date of birth, SSN, and percentage allocation

5For trust beneficiaries: enter trust name, date established, and trustee name

6Review and confirm designations

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Required Documents

Trust name, date established, and tax ID (EIN or SSN)

Special Requirements

Spousal consent with notarized signature required for married participants naming non-spouse as primary beneficiary on qualified plans
Trusts can be named as beneficiaries with trust name, date, and trustee information
Beneficiary designations override wills and other estate documents
Process may vary by specific employer plan provisions
Per stirpes designations available for descendant distribution