What EPIC Retirement Plan Services does

EPIC Retirement Plan Services (EPIC RPS) is a privately held retirement plan administration firm founded in 1993 and headquartered in Rochester, NY, with additional offices in St. Louis, Peoria Heights, and Portland (Maine). The company provides outsourced recordkeeping, administrative, and technology services for defined contribution plans (401(k), 403(b), 457), defined benefit plans, MEPs/PEPs, and group trusts, currently serving approximately 9,500 plans with $37 billion in assets under administration and 400,000 participants. Its core technology platform is GoRetire, a proprietary, device-responsive web and mobile application offering participants account access, transactions, and plan information; the company also markets MyHSA (a Health Savings Account product) and Smart(k) (a retirement savings offering) alongside a suite of 13 interactive financial calculators.

EPIC RPS distributes its services exclusively through a B2B partnership model, selling white-label recordkeeping and administration to banks, trust companies, investment advisors, and third-party administrators (TPAs) under its "Branded Advantage" private-label framework. Revenue is generated via recurring recordkeeping and technology fees plus professional services revenue from actuarial and defined benefit consulting. The company has built a payroll integration ecosystem covering more than 60 providers — including ADP, Ceridian, Paychex, Paylocity, Workday, UKG, Rippling, and QuickBooks — supporting 180° (employer-to-plan) and 360° (participant-to-payroll) automated contribution flows. Go-to-market is supported by content marketing channels including the EPIC Insight monthly webinar series, the Advisor Connect video series, a compliance calendar, and active presence on LinkedIn, Facebook, X, and YouTube. The firm operates with more than 300 retirement plan professionals and reports no external funding rounds, parent company, or M&A activity in the available record.

Name

EPIC Retirement Plan Services

Legal name

EPIC Retirement Plan Services

Website

https://epicrps.com

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

101–250 employees

Short description

EPIC Retirement Plan Services is a privately held B2B retirement plan recordkeeper and administrator founded in 1993, serving banks, trust companies, investment advisors, and TPAs with proprietary GoRetire technology, 60+ payroll integrations, and 9,500 plans under administration.

Ownership category

akta.pro rank

Product category

Retirement Plan Administration

NAICS

Insurance and Employee Benefit Funds (5251)

SIC

Services-Engineering, Accounting, Research, Management (8700), Investment Advice (6282)

akta.pro primary industry

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)

akta.pro secondary industry

Corporate Retirement Plan Advisory RIAs (ERISA 401(k)/403(b)) (FSAAACAF)

Keywords

• Retirement plan administration
• 401(k) recordkeeping services
• Defined benefit consulting
• Retirement plan technology
• Third party administrator services

Headquarters

HQ city

Rochester

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Retirement Plan Recordkeeping and Administration: Provides comprehensive recordkeeping and administrative support for retirement plans including 401(k), 403(b), 457 plans, and defined benefit plans. Services include plan design, compliance administration, participant recordkeeping, and reporting.
2. Technology Services (GoRetire, MyHSA): Proprietary technology platforms including GoRetire for retirement plan access and MyHSA for Health Savings Account management, offered as standalone or white-label solutions to partners.
3. Actuarial and Consulting Services: Comprehensive consulting services and resources for defined benefit space, helping partners broaden and differentiate their practice.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

EPIC Retirement Plan Services provides comprehensive recordkeeping, administration, and participant technology for retirement plans (401(k), 403(b), 457, defined benefit, MEPs/PEPs), delivered on a white-label basis to banks, trust companies, investment advisors, and third-party administrators. Core capabilities include plan design, compliance administration, participant recordkeeping, reporting, actuarial consulting, and a proprietary GoRetire participant access platform with mobile and web applications and 60+ payroll provider integrations.

Product overview

EPIC Retirement Plan Services offers a comprehensive retirement solutions platform that includes a core recordkeeping and administrative system complemented by multiple specialized products. The main offerings include: (1) GoRetire, the proprietary technology platform providing web and mobile access for participants; (2) MyHSA, a long-term Health Savings Account product; (3) Smart(k), a retirement planning tool; and (4) a Financial Calculators Suite. The platform also includes educational content through Advisor Connect Video Series and EPIC Insight Webinars. EPIC RPS serves banks, trust companies, investment advisors, and third-party administrators with solutions for defined contribution plans, defined benefit plans, DCGs, group trusts, MEPs, and PEPs, serving 9,500 plans, $37 billion in assets, and 400,000 participants across over 300 retirement plan professionals.

Differentiator

Problem solved

Functional benefit

Brands

• MyHSA: A different kind of HSA designed for the long term while making it easy for participants to access their money to pay for medical expenses.
• GoRetire
• Smart(k)

Products and services

• Retirement Plan Recordkeeping and Administration Comprehensive recordkeeping and administrative support for retirement plans, including 401(k), 403(b), 457, and defined benefit plans. Services include plan design, compliance administration, participant recordkeeping, and reporting, delivered through B2B partnerships with banks, trust companies, investment advisors, and TPAs.
• GoRetire Participant Platform Proprietary, device-responsive web and mobile application that gives retirement plan participants secure, real-time access to their account information, features, and transactions, with regular technology updates for a cutting-edge experience. Available via iOS and Android apps and delivered as a standalone or white-label solution.
• MyHSA (Health Savings Account) A Health Savings Account product designed for long-term use, making it easy for participants to access funds to pay for medical expenses. Marketed as a better HSA for the long term and offered through partner channels.
• Smart(k) Retirement Savings A retirement savings product brand for plan sponsors and participants offered as part of EPIC RPS's solution portfolio.
• Defined Benefit & Actuarial Consulting Comprehensive consulting and actuarial services and resources for defined benefit plans, helping partners broaden and differentiate their retirement practice through valuation, plan design, and ongoing administration.
• Branded Advantage White-Label Solution Private-labeled suite combining EPIC RPS's technology and deep retirement plan administration expertise under the partner's own brand, enabling banks, trust companies, advisors, and TPAs to attract and retain retirement plans.
• Payroll Integration Services (60+ Providers) 180° and 360° payroll integrations that automatically transmit, reconcile, and invest plan contribution details (180°) and feed participant-initiated activity such as online deferral changes back into payroll systems (360°), supporting providers including ADP, Ceridian, Paychex, Paylocity, QuickBooks Online, Rippling, Workday, UKG, Zenefits, and many regional providers.
• GoRetire iOS Mobile App Mobile application for iOS devices that delivers convenient and secure access to retirement plan accounts, features, and transactions for plan participants.
• GoRetire Android Mobile App Mobile application for Android devices that delivers convenient and secure access to retirement plan accounts, features, and transactions for plan participants.
• MEP and PEP Pooled Plan Administration Administration for DCGs, Group Trusts, Multiple Employer Plans (MEPs), and Pooled Employer Plans (PEPs), delivering consolidated administrative efficiency for grouped retirement plans.

Quantifiable outcome

• Serve 9,500 retirement plans with $37 billion in assets and 400,000 participants

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration104 records

Feature3 records

Partnerships

15 partnerships are on record, tiered core.

• ADPcoreTechnology or IntegrationPayroll integration partnership providing 180° and 360° integration capabilities with ADP Run, ADP Total Source, and ADP Workforce Now Next Gen platforms for seamless retirement plan contribution processing.
• CeridiancoreTechnology or IntegrationIntegration with Ceridian Dayforce HCM providing 180° and 360° payroll integration for retirement plan administration.
• PaychexcoreTechnology or IntegrationPayroll integration partnership with Paychex (excluding Oasis and SurePayroll) offering 180° and 360° integration capabilities.
• PaylocitycoreTechnology or IntegrationIntegration partnership with Paylocity providing 180° and 360° payroll integration for retirement plan contribution automation.
• QuickBooks OnlinecoreTechnology or IntegrationIntegration with QuickBooks Online Platforms (desktop products not supported) providing 180° and 360° payroll integration capabilities.
• RipplingcoreTechnology or IntegrationIntegration with Rippling Payroll providing 180° and 360° payroll integration for seamless retirement plan administration.
• WorkdaycoreTechnology or IntegrationIntegration partnership with Workday providing 180° and 360° payroll integration for comprehensive retirement plan connectivity.
• UKG Pro (Ultipro)coreTechnology or IntegrationIntegration with UKG Pro Pay (formerly Ultipro/Ultimate Software) providing 180° and 360° payroll integration.
• UKG ReadyNow (Kronos)coreTechnology or IntegrationIntegration with UKG ReadyNow (formerly Kronos) providing 180° and 360° payroll integration for retirement plan administration.
• ZenefitscoreTechnology or IntegrationIntegration partnership with Zenefits providing 180° and 360° payroll integration for HR and retirement plan connectivity.
• Payroll Integrations Inc.coreTechnology or IntegrationThird-party payroll integration solution provider enabling additional payroll provider connections; additional charges may apply.
• iSolved HCMcoreTechnology or IntegrationIntegration with iSolved HCM and iSolved Technology Platform providing 180° and 360° payroll integration capabilities.
• ProliantcoreTechnology or IntegrationIntegration partnership with Proliant providing 180° and 360° payroll integration for retirement plan administration.
• PrimePaycoreTechnology or IntegrationIntegration with PrimePay providing 180° and 360° payroll integration for seamless retirement plan processing.
• Asure EvolutioncoreTechnology or IntegrationIntegration with Asure Evolution/Asure Mangrove providing 180° and 360° payroll integration capabilities.

Scale indicators3 records

Recent moves1 record

Expansion highlights5 records

Direct peers

• Paychex Retirement Services: Paychex delivers 401(k) and retirement plan administration to small and mid-sized employers through payroll-centric distribution and partner integrations, directly comparable to EPIC's integration-first, channel-led go-to-market.
• Ascensus: Ascensus is one of the largest independent retirement plan recordkeepers in the U.S., serving financial advisors, banks, and TPAs with a comparable mix of recordkeeping, administration, and white-label capabilities, and overlapping directly with EPIC's B2B partnership model across 401(k), 403(b), and pooled plan administration.
• American Funds / Capital Group Retirement Plan Services: Capital Group provides 401(k), 403(b), and defined benefit recordkeeping and administration to financial advisors and plan sponsors, with comparable sponsor- and advisor-led distribution and outsourced administration capabilities.
• ADP Retirement Services: ADP Retirement Services provides 401(k) recordkeeping and administration tightly integrated with ADP's payroll platform, mirroring EPIC's emphasis on payroll integration and partnership-led distribution to businesses of similar size.

Others

• HealthEquity: HealthEquity is a leading Health Savings Account custodian and administrator, comparable to EPIC's MyHSA sub-brand. It is not a retirement recordkeeper but operates in an adjacent benefits-administration category where EPIC is expanding its wallet per participant.

Broad incumbents

• Empower Retirement: Empower is the largest U.S. recordkeeper by participant count, offering recordkeeping, administration, and participant tooling for 401(k), 403(b), and IRA plans. While much larger and more vertically integrated, Empower competes for the same plan sponsor and advisor relationships EPIC serves.
• Principal Financial Group Retirement Services: Principal provides defined contribution recordkeeping and administration to plan sponsors and advisors, including pooled employer plan administration. As a large, established full-stack provider, it competes for the same advisor and employer relationships as EPIC, although with materially larger scale.
• John Hancock Retirement Plan Services: John Hancock offers recordkeeping, administration, and participant tools for employer-sponsored retirement plans through advisor and consultant channels. While larger and more vertically integrated, it overlaps with EPIC in advisor-sold plan administration.
• Schwab Retirement Plan Services: Schwab provides recordkeeping, custody, and trading for 401(k) and 403(b) plans, frequently working through advisors. As a large incumbent, it competes for the same sponsor and advisor relationships as EPIC, with broader investment capabilities.

Regional players

• Mid Atlantic Trust Company (or similar regional TPA partners): Regional trust companies and TPAs provide retirement plan administration services focused on specific U.S. regions and partner with recordkeepers much like EPIC's bank and trust company partners, representing both a customer segment and a partial overlap in the third-party administration market.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/epic_rps
• YouTubeyoutube.com/@EPICRPS
• Facebookfacebook.com/EPICRetirementPlanServices
• LinkedInlinkedin.com/company/epicrps

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about EPIC Retirement Plan Services