403b Partners

What 403b Partners does

403b Partners is a privately held Third Party Administration (TPA) firm founded in 1995 and headquartered in Cumming, Georgia, that provides specialist administration and compliance services for ERISA and Non-ERISA 403(b) and 457(b) retirement plans. The firm serves K-12 school districts, charter schools, and nonprofit employers, delivering plan document design, IRS 5500 preparation, compliance testing, participant transaction processing (rollovers, transfers, distributions, loans, QDROs), salary reduction agreement management, and multi-platform investment provider coordination. The company is positioned as 100% independent with no cross-selling to participants or advisors, distinguishing it from bundled recordkeeper/consultant models.

The firm operates two core technology assets: the WIN-WIN Platform, a mobile-friendly online transaction processing system designed to replace fax- and email-based workflows with immediate participant confirmations; and the IPX Recordkeeping system, a third-party integration providing participant and advisor portals. In addition, 403b Partners operates Attentive as a wholly-owned subsidiary offering the Preventative Care Management Program, a participatory wellness and tax-savings structure leveraging innovative plan design to reduce healthcare-related productivity losses. Common Remitter Payroll, Plan Document Management, and Salary Reduction Agreement Management are offered as modular add-ons.

The business model is professional-services-based with quote-based pricing on multi-year contracts, distributed directly to plan sponsors (school districts and nonprofits) through a small team of ERISA professionals across Georgia, North Carolina, California, and Arizona via state-specific employer portals. The company is led by President Doug Guillory and operates with 1–10 employees as a closely-held private firm with no disclosed external investment or parent organization.

Name

403b Partners

Legal name

403b Partners

Website

https://403bpartners.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

1–10 employees

Short description

403b Partners is a privately held Third Party Administration firm, founded in 1995 and based in Cumming, Georgia, that provides compliance, recordkeeping, and participant transaction services for 403(b) and 457 retirement plans of K-12 school districts, charter schools, and nonprofit employers across multiple US states.

Ownership category

akta.pro rank

Product category

Retirement Plan Administration

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Insurance and Employee Benefit Funds (5251)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Employee Benefit & Retirement Plan Trust Services (FSAAANAC)

akta.pro secondary industry

Eligibility, Enrollment & Benefits Administration (HLAEALAH)

Keywords

• Retirement plan administration
• Third party administration
• 403b compliance services
• 457 plan management
• ERISA plan services

Headquarters

HQ city

Cumming

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Third Party Administration Services: 403b Partners generates revenue through providing Third Party Administration (TPA) services for ERISA and Non-ERISA 403(b) and 457(b) retirement plans. Services include plan document design and support, IRS 5500 preparation, compliance testing and oversight, support for multiple investment platforms, Common Remitter Payroll service, and participant transaction management including rollovers, transfers, distributions, loans, and exchanges.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

403b Partners provides third-party administration (TPA) for ERISA and Non-ERISA 403(b) and 457(b) retirement plans, handling plan document design, IRS 5500 preparation, compliance testing, participant transaction processing (rollovers, transfers, distributions, loans, exchanges, hardship, QDROs), salary reduction agreement management, and Common Remitter payroll services for plan sponsors. The firm also operates a subsidiary called Attentive that offers a participatory Preventative Care Management Program generating tax savings through innovative plan design.

Product overview

403b Partners offers a suite of retirement plan administration services for ERISA and Non-ERISA 403(b) and 457 plans. The core offering is Third Party Administration (TPA) services, which includes plan document management, compliance monitoring, participant transaction approval, and salary reduction agreement handling. The company operates through its WIN-WIN Platform for online transactions and has a subsidiary service called Attentive Preventative Care Management Program for wellness benefits. The Common Remitter Service handles payroll data integration and vendor contribution management. IPX Recordkeeping provides participant and advisor portal functionality. Together, these services provide comprehensive retirement plan administration for educational institutions and government entities.

Differentiator

Problem solved

Functional benefit

Brands

• Attentive: A participatory preventative care program that generates tax savings for plan sponsors and employees through innovative plan design, reducing healthcare-related productivity losses

Products and services

• 403(b)/457 Third Party Administration Comprehensive administration for ERISA and Non-ERISA 403(b) and 457(b) retirement plans, including plan document design and support, IRS 5500 preparation, compliance testing and oversight, support for multiple investment platforms, information sharing with investment providers, and management of participant transactions (rollovers, transfers, distributions, loans, exchanges, hardship and unforeseeable emergency distributions, QDROs). Targeted at plan sponsors in the educational community.
• Common Remitter Service Third party administrator service that captures payroll data, compares remitted amounts with expected employee contributions, reconciles exceptions, identifies eligible catch-up contributions, and distributes to investment providers. Designed for plan sponsors seeking to streamline payroll-to-vendor contribution reconciliation.
• Attentive Preventative Care Management Program A health and wellness program, offered as a subsidiary service of 403b Partners, that uses innovative plan design to generate tax savings for plan sponsors and employees while reducing healthcare-related productivity losses. Targeted at employers in the educational and nonprofit sectors.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• IPXcoreTechnology or Integration · 1 January 1995IPX provides the recordkeeping system used by 403b Partners for participant portal management and advisor portal services. 403b Partners integrates IPX technology into their TPA platform for transaction processing and participant management.

Scale indicators1 record

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• Ascensus: One of the largest independent retirement and college savings TPAs in the U.S., with a dedicated 403(b) practice for K-12 and nonprofit plans. Directly comparable business model to 403b Partners, but operating at vastly greater scale across all 50 states.
• Fidelity Investments: Fidelity is a major U.S. recordkeeper and administrator of workplace retirement plans, including 403(b) plans for educational and nonprofit employers. Competes with 403b Partners for plan sponsor mandates via bundled recordkeeping and advisory services.
• Principal Financial Group: Principal provides retirement plan administration and recordkeeping across 401(k), 403(b), and 457 markets, with a strong focus on small and mid-sized plan sponsors. Competes for the same retirement plan administration business as 403b Partners.
• Empower Retirement: One of the largest U.S. retirement plan recordkeepers and administrators, serving defined contribution plans including 403(b) for government, education, and nonprofit employers. Overlaps with 403b Partners on plan administration, compliance, and participant services at far greater scale.
• Lincoln Financial Group: Lincoln Financial offers retirement plan services, including administration and recordkeeping for 403(b) and 457 plans, particularly in the education and nonprofit space. Comparable in product line and target customer base to 403b Partners.
• Voya Financial: Voya provides retirement plan administration and recordkeeping, with a meaningful presence in K-12 and higher education 403(b) markets. Overlaps with 403b Partners on retirement plan services for the education vertical.

Direct peers

• Pentegra Retirement Services: Pentegra provides retirement plan administration, including 403(b) and 457 plans, with a strong focus on educational institutions, healthcare, and nonprofit employers. Highly comparable in target vertical, plan type focus, and TPA-style delivery model.
• TSA Consulting Group: TSA Consulting Group is a TPA that specializes specifically in 403(b) and 457(b) plan administration for K-12 school districts and other public sector employers. Closest direct competitor to 403b Partners in terms of plan type, vertical, and service offering.
• TIAA: Specializes in retirement products and administration for the education and nonprofit sectors, the same target market as 403b Partners. TIAA is a major incumbent in 403(b) plans; 403b Partners effectively competes for the same plan sponsor relationships when acting as a third-party administrator.

Emerging players

• OneAmerica: OneAmerica offers retirement plan products and administration services, including for 403(b) plans in the education and nonprofit sectors. Comparable niche overlap in target market and plan types, though operating at broader scale than 403b Partners.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/403b-partners

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

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 403b Partners