How to name beneficiaries and fund a trust at ADP
Covers 10 retirement accounts — beneficiaries can be managed online
ADP Participant Services
Phone1-800-695-7526
Participant Call Center (alternate)
ADP TotalSource Plans
Client Services (Plan Sponsors)
New 401(k) Plan Setup
Enrollment Information
General ADP Support
Sales
WebsiteLearn more→
ADP Participant Services
Phone1-800-695-7526
Participant Call Center (alternate)
ADP TotalSource Plans
Client Services (Plan Sponsors)
New 401(k) Plan Setup
Enrollment Information
General ADP Support
Sales
WebsiteLearn more→
ADP Participant Services (Death Claims)
Phone1-800-695-7526
Participant Call Center (alternate)
ADP TotalSource Plans
Verified Apr 2026
Beneficiary designations on ADP retirement retirement accounts carry more weight than most people realize. They override a will, control who receives the balance, and determine the tax treatment of inherited distributions. Reviewing these designations after any major life change is essential.
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
1
Log in to mykplan.com
2
Select "My Account" then "Manage My Beneficiaries"
3
Add or update primary and contingent beneficiaries:
- Enter full legal name, relationship, date of birth, SSN, and percentage allocation
- For trust beneficiaries: enter trust name, date established, and trustee name
4
Review and confirm designations
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
ADP Participant Services
Phone1-800-695-7526
Participant Call Center (alternate)
ADP TotalSource Plans
Client Services (Plan Sponsors)
New 401(k) Plan Setup
Enrollment Information
General ADP Support
Sales
WebsiteLearn more→
ADP Participant Services
Phone1-800-695-7526
Participant Call Center (alternate)
ADP TotalSource Plans
Client Services (Plan Sponsors)
New 401(k) Plan Setup
Enrollment Information
General ADP Support
Sales
WebsiteLearn more→
ADP Participant Services (Death Claims)
Phone1-800-695-7526
Participant Call Center (alternate)
ADP TotalSource Plans
Verified Apr 2026
Estate planning articles
Learn how to protect your ADP accounts and other assets with trusts, beneficiary designations, and estate planning documents.
