The Wise Choice 401(a) Plan®
Retirement Solutions Built for Public Employers
The Wise Choice 401(a) Plan®, sponsored by the National Public Pension Fund Association (NPPFA), helps public employers provide a competitive, tax-advantaged retirement benefit designed to support long-term financial security.
Powered by the Wise Choice Co-op, our national retirement platform combines institutional investment oversight, transparent pricing, and personalized participant support to deliver retirement solutions that work for employers and employees alike. Whether your organization is implementing a new retirement program, enhancing an existing benefit, or establishing a DROP arrangement, the Wise Choice 401(a) Plan provides the flexibility and governance today's public employers need.
Why Choose the Wise Choice 401(a) Plan?
Designed Exclusively for the Public Sector
For more than 25 years, NPPFA Benefits has focused solely on serving public employers and public employees. Our retirement solutions are built around the unique needs of government organizations.
Powered by the Wise Choice Co-op
Join a national investment platform serving more than 325 government entities, over 16,000 participants, and $1.1 billion in retirement assets. The Co-op gives every participating employer access to the same transparent pricing, regardless of plan size.
Professional Fiduciary Oversight
Benefit from experienced fiduciary governance, institutional investment oversight, and a retirement platform designed to help employers meet their fiduciary responsibilities with confidence.
Low-Cost Investment Solutions
Participants have access to a diversified investment lineup featuring low-cost Vanguard.
Ready to learn how the Wise Choice 401(a) Plan can support you organization?
Connect with John "LJ" Kielczynski, Director of National Accounts at ljk@nppfabenefits.org to discuss plan design, implementation, or how a 401(a) plan can complement your existing retirement benefits.