Keep Your Employees Happier with Better Benefits

Offer your employees an additional benefit through pension or retirement plans. We can make creating and maintaining a realistic retirement program easy, efficient and economical. Fulfilling the fiduciary responsibilities of your employee retirement plan can be challenging. If your business is like many others, you may sponsor an existing retirement plan or you may be in the process of sponsoring a new plan, and you realize that you do not have the time or expertise to meet all the fiduciary requirements. F&M Trust can help.

The F&M Trust Difference

In today’s competitive job market, finding and keeping valuable employees can be a challenge. Today’s employees realize the benefit of working for a company with a good retirement plan more than many employers understand. In fact, studies show that when factoring the added value of an employer’s benefits into their employment decisions, an employer’s retirement plan offering falls within the top ten reasons employees chose to work and stay with an employer.

Benefits of offering an employee benefits plan also include:

  • Partnership savings – designed to reward employees for taking responsibility for their futures by adding an employer match
  • Increase loyalty through strategic vesting schedules
  • Increase productivity through annual profit sharing contributions
  • Attract and retain top talent


F&M Trust offers comprehensive Fiduciary and Corporate Trustee Services, including:

  • 401(K) and pension plans
  • Business continuation plan consultation
  • Profit sharing plans
  • SEP IRAs
  • Plan design and consultation services
  • Plan documentation and compliance services
  • Professional investment management services
  • Participant record keeping services
  • Employee education and materials
  • Daily valuation services
  • 24/7 toll-free telephone line for plan participants and sponsors
  • 24/7 Internet access for plan participants and sponsors


We not only design and help you manage the day-to-day administration of your plan, but we can also serve as a Plan Fiduciary, Discretionary Trustee and/or Directed Trustee.

F&M Trust brings your business a lasting relationship with both you AND your employees by providing responsive and proactive service at all levels, including:

  • Working directly with Plan Participants
  • Conducting Plan Enrollments
  • Continually educating Plan Participants (technology-based or in-person)
  • Being accessible for one-on-one or group Plan Participant Needs
  • Working directly with terminated and/or retired participants on distributions or continued plan options
  • On-going meetings with you and your employees (semi-annual, quarterly, etc.)

Regardless of the approach you select for your plan, our assistance can be of tremendous value in helping you fulfill your fiduciary obligations, avoiding problem areas, and keeping your retirement plan running smoothly.

Deposit Services

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Treasury Management

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Commercial Services Team

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