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Home→Financial Institutions→Employee Fiduciary→Preparing your estate

How to name beneficiaries and fund a trust at Employee Fiduciary

Covers 4 retirement accounts — beneficiaries can be managed online

OverviewPreparing your estateWhen someone dies

Employee Fiduciary

Retirement Provider · Nationwide

employeefiduciary.com→
E

Participant Support

Phone1-877-401-5100
Emailsupport@employeefiduciary.com
Participant Support (ext. 1)
1-877-401-5100 ext. 1
Sales (ext. 2)
1-877-401-5100 ext. 2
WebsiteLearn more→

Participant Support

Phone1-877-401-5100
Emailsupport@employeefiduciary.com
Participant Support (ext. 1)
1-877-401-5100 ext. 1
Sales (ext. 2)
1-877-401-5100 ext. 2
WebsiteLearn more→

Participant Support

Phone1-877-401-5100
Toll-Free1-877-401-5100
Emailsupport@employeefiduciary.com
Fax1-251-436-0801
Mailing Address

Employee Fiduciary, LLC, 205 N. Conception St., Mobile, AL 36603

WebsiteNotify online→
Verified Apr 2026

Estate planning for Employee Fiduciary 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.

Each of Employee Fiduciary's 4 retirement accounts has different rules for how it transfers at death. The sections below explain the options for each.

Traditional 401(k) PlanSafe Harbor 401(k) PlanSolo 401(k) Plan403(b) Plan
1
Log in to the participant portal at myplanprovider.com/efc
2
Navigate to the beneficiary designation section
3
Configure your beneficiary designations:
  • Add primary and contingent beneficiaries
  • For trusts: select trust as the beneficiary type and provide the trust name, date established, and EIN
  • Specify percentage allocations for multiple beneficiaries (must total 100%)
4
Review and confirm your beneficiary elections
Online Portal→

Required Documents

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

Special Requirements

  • Trusts can be named as beneficiaries on all Employee Fiduciary retirement plan accounts
  • Spousal consent is required under ERISA for qualified plans (401(k), 403(b)) when naming a non-spouse primary beneficiary
  • Primary and contingent beneficiaries allowed; percentage allocations must total 100%
  • Beneficiary designations override instructions in a will
  • Beneficiary options may be governed by the specific plan document

Employee Fiduciary

Retirement Provider · Nationwide

employeefiduciary.com→
E

Participant Support

Phone1-877-401-5100
Emailsupport@employeefiduciary.com
Participant Support (ext. 1)
1-877-401-5100 ext. 1
Sales (ext. 2)
1-877-401-5100 ext. 2
WebsiteLearn more→

Participant Support

Phone1-877-401-5100
Emailsupport@employeefiduciary.com
Participant Support (ext. 1)
1-877-401-5100 ext. 1
Sales (ext. 2)
1-877-401-5100 ext. 2
WebsiteLearn more→

Participant Support

Phone1-877-401-5100
Toll-Free1-877-401-5100
Emailsupport@employeefiduciary.com
Fax1-251-436-0801
Mailing Address

Employee Fiduciary, LLC, 205 N. Conception St., Mobile, AL 36603

WebsiteNotify online→
Verified Apr 2026

Estate planning articles

Learn how to protect your Employee Fiduciary accounts and other assets with trusts, beneficiary designations, and estate planning documents.

Estate planning articles

Learn how to protect your Employee Fiduciary accounts and other assets with trusts, beneficiary designations, and estate planning documents.

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