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SIMPLE IRA Employee Application & Brochure - AllianceBernstein 2025

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The AllianceBernstein SIMPLE IRA Employee Brochure provides an overview of the SIMPLE IRA retirement savings plan, designed for small businesses to help employees save for retirement on a tax-deferred basis. It outlines contribution limits, employer matching contributions, and the benefits of automatic savings and tax-deferred growth. The brochure emphasizes the importance of early retirement planning and offers guidance on investment options available through AllianceBernstein, including mutual funds and retirement strategies tailored to individual needs. Additionally, it includes necessary forms for salary reduction agreements, applications, and transfers.

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Click ‘Get Form’ to open the SIMPLE IRA Employee Application in our platform.
Begin by filling out your personal information in Section 1, including your last name, first name, Social Security number, and date of birth. Ensure all details are accurate.
In Section 2, provide your employer's information. This includes the plan name and contact details. This section is crucial for linking your application to the correct employer plan.
Proceed to Section 3 where you will specify your investment instructions. List the funds you wish to invest in along with their respective percentages. Make sure these add up to 100%.
Complete Section 5 by designating your beneficiaries. Clearly indicate primary and contingent beneficiaries along with their details.
Finally, review all sections for accuracy before signing and dating the application in Section 6. Once completed, submit it as instructed.

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We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

What are the downsides of a SIMPLE IRA for employees?

Drawbacks of a SIMPLE IRA Lower contribution limits: SIMPLE IRAs have considerably lower contribution limits than other options for self-employed people, such as 401(k)s or SEP IRAs. Participant loan restrictions: Unlike 401(k) plans, participants cannot borrow against their account balance with SIMPLE IRAs.

How to set up an IRA for an employee?

You, the employer, set up the payroll deduction IRA program with a financial institution, such as a bank or insurance company. Your employee opens either a traditional or a Roth IRA account (based on their eligibility and personal choice) with the financial institution and authorizes the payroll deductions.

How does a SIMPLE IRA work for employees?

A SIMPLE IRA plan provides small employers with a simplified method to contribute toward their employees and their own retirement savings. Employees may choose to make salary reduction contributions and the employer is required to make either matching or nonelective contributions.

What is the deadline for SIMPLE IRA contributions in 2025?

2024 SIMPLE IRA Contribution Deadline for Employers is 4/15/2025. 2025 SIMPLE IRA Contribution Deadline for Employees is 12/31/2025.

What are the rules for a SIMPLE IRA?

The employer is generally required to match each employees salary reduction contributions on a dollar-for-dollar basis up to 3% of the employees compensation. This requirement does not apply if the employer makes nonelective contributions instead.