THE LOTTER GROUP
Your Employee Benefits & Insurance Specialist
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Benefits for a Brighter Future
EMPLOYEE BENEFITS
Simplifying your employee
benefits needs
RETIREMENT PLANNING
Preparing retirement plans for
lasting security.
HR ADMINISTRATION
Providing assistance and expertise
wherever you need it most.
Let Us Show You How We Can Significantly Reduce the Cost of Your HR Administration and Employee Benefits
We exist to help you save money in the following areas
With our longstanding presence in the brokerage, benefits and insurance industries, we are able to offer the best services at the best value to our customers.

Throughout our long history, we continuously innovate to improve our service and have created a wide selection of programs carefully designed to expand an employers benefits package without increasing their workload or costs.
Employee Benefits Plan Administration
TDS makes it easy for you to offer compliant, employee benefit plans. By outsourcing the administration to TDS, you don't have to maintain in-house regulatory experts
  • Plan design, consultation and review
  • Plan Documents
  • Common Remitting of plan contributions
  • Compliance checking and corrections of over-contribution, invalid transfers, loans and hardships
  • IRS Audit support
    In most instances, at NO cost to the employer
Online Enrollment
Avoid worksite distraction by offering an online open enrollment platform for your employees. Reduce administration costs and increase participation of your voluntary benefits package.
  • Employee chooses convenient location and time for enrollment process.
  • Onsite enrollment meetings (optional)
  • Animated training modules to educate employees on complex benefit options
  • Call center for product and technical support
  • Improve employee satisfaction and participation
Section 125 - Cafeteria Plans
Maximize your tax savings by offering a comprehensive cafeteria plan as an added benefit to your employees. Fast, simple and secure at no cost to the employer!
  • Benefit Cards
  • Flexible Health, Dependent Care and Transportation benefits
  • Health Savings Accounts
  • Online and mobile administration of claims and account values
  • Non-discrimination testing
401(k), 403(b), or other available workplace retirement plans
Let us help your employees with their supplemental retirement benefits. We offer a call center for investment advice (on-site meetings optional).
  • Available to state and local government employers.
  • Access to funds upon separation of service, regardless of age
  • Not included in 403b, 401k and other qualified plan contribution limits
  • Accepts pre-tax contributions with deferred tax on earnings
  • Accepts ROTH (after-tax) contributions with tax free earnings
  • Call center for investment advice (onsite meetings optional)
  • Available to state and local government employers or qualified church organizations.
  • Access to funds at age 59 1/2 for active employees.
  • Accepts pre-tax contributions with deferred tax on earnings
  • Accepts ROTH (after-tax) contributions with tax free earnings
  • Call center for investment advice (onsite meetings optional).
Section 403b - Retirement Plans
Let TDS help you supplement your state retirement benefits with a voluntary Defined Contribution 403b retirement plan. Why offer 403b?
  • Available to state and local government employers or qualified church organizations.
  • Access to funds at age 59 1/2 for active employees.
  • Accepts pre-tax contributions with deferred tax on earnings
  • Accepts ROTH (after-tax) contributions with tax free earnings
  • Call center for investment advice (onsite meetings optional).