Tree Care Industry Association group 401(k): Bringing real value to our member businesses!

At TCIA, it’s our mission to deliver the benefits and resources that not only position our members for success but also allow you to focus on your core business.

You chose TCIA for a reason, and the TCIA Endorsed 401(k) program is one more important way we make that choice worth it. TCIA is not only endorsing this program, the TCIA retirement plan has joined the Multiple Employer Aggregation Plan.

What is a 401K Multiple Employer Aggregation Plan?

It’s a group 401(k) solution that organizations can offer to members, like you, to join—typically at a group rate. The program gathers many tasks involved in operating a retirement plan and outsources them to industry experts, who handle many of the administrative, recordkeeping and fiduciary services. So you get the benefit of offering a 401(k) to employees without having to own all of the work, responsibility and liability.

Perception vs. reality

We know a lot of considerations come with retirement plans:

  • You may be comfortable with the plan you have
  • Maybe you don’t think your employees would value such a benefit—or that your benefits can’t compete with larger companies
  • Maybe cost or plan administration is on your mind

The reality is:

  • Your plan may be working—but in the group program, you may be able to enhance the plan offerings and save money
  • Retirement plans are some of employees’ most valued benefits
  • In the group program, your plan is still your plan—and it can be customized to meet your unique needs
  • The group rate may be less than you’re already paying

Strength—and value—in numbers

By joining the TCIA 401(k) program with Lincoln Financial Group and Alpha Pension Group, you get:

  • Individual attention.
  • Access to potential pricing and service efficiencies—economies of scale—that you may not have by sponsoring a plan on your own.
  • The power of a group plan with the flexibility to customize your own plan design—retaining a design that’s working for you or changing to one that will. No need to forfeit your business’s distinct needs.

Meaning, you get to offer a plan that makes sense for you and your employees, vetted by TCIA and other businesses like yours, all at a competitive group cost for each business that joins.

Contact Rich Cawthorne, Alpha Pension Group
to explore how the TCIA 401(k) program can work for your business and check out the video at the top of the page to learn more about the value of group 401(k) plans.

Call us today at 877-449-401k or you can email us at or

Rich started Alpha Pension Group in 2003 with a simple mission: to enable hard-working people to retire with dignity. As the CEO, Rich sets Alpha’s strategy and culture; develops new business opportunities and partnerships; collaborates on the Investment Committee; and leads the team in its efforts to deliver superior client service to the businesses and not-for-profit organizations that Alpha serves.

Rich’s favorite part of his job is meeting with companies to see if Alpha can be a resource to their organization and positively impact their employees. Rich is proud to say that Alpha employees are neither investment managers nor benefit brokers; they are consultants with a singular focus: helping companies raise the standards of their retirement plan.

Prior to Alpha, Rich gained extensive retirement plan knowledge and experience at MFS Investment Management. Rich determined that there was a need for independent objective investment fiduciaries to help companies establish cost-effective, competitive retirement plans and educate employees to help them prepare effectively for retirement. This belief ultimately led Rich to the vision and conviction to develop the comprehensive business model of Alpha: a company wholly devoted to time-tested retirement planning and consulting.

Rich is excited to collaborate with TCIA and its members on the implementation of the 401(k) retirement plan services as the financial advisor providing investment fiduciary services to TCIA. Our team is ready to assist the members and its employees by providing guidance on the opportunity of retirement success.

Call us today at 877-449-401k or you can email us at or

Education and Professional Designations
Bentley University, B.S. Finance
Suffolk University, M.B.A.
Accredited Investment Fiduciary® (AIF®)
Chartered Retirement Planning Specialist (CRPS)
FINRA Series 6 and 63 securities registrations held through LPL Financial; Series 65 held through Alpha Pension Group, Inc.

TCIA 401K Multiple Employer Aggregation Plan

Business Solutions, Tree Care Industry Association, Inc.

For privacy reasons YouTube needs your permission to be loaded.
I Accept