The Accumulation Program for Part-time and Limited-service Employees (APPLE) Plan is an alternative to Social Security that has been designed for government, public and educational sector employees. The benefits are twofold: budget savings for employers and retirement and payroll benefits for part-time, seasonal, and temporary employees.

Benefits For Employees

• Increased take-home pay
• A pretax retirement program
• Balance paid out upon separation of service and/or change in employment status
• Employees monitor account growth
• Benefit available from the first day of work

Benefits For Employers

• Elimination of FICA contributions
• Potential to retain proven employees is increased by the lure of a retirement plan with tangible benefits
• Limited administrative requirements
• No additional fees or charges
• Flexible plan design options for the employer
• The APPLE Plan is a valuable addition to your organization's benefits package

InstaBalance - Monitor Your APPLE Account Online
APPLE participants can access accounts online at both the participant and employer level. Click here to go to the web site or click the "InstaBalance" link above.

Secure Your Financial Future
Plan participants can rest assured that their contributions accumulate at a guaranteed minimum credited interest rate.*

Enjoy Personal Service from Industry Leaders
Keenan & Associates and MidAmerica Administrative Solutions are dedicated to providing the best service and support to APPLE plan participants.

*Annuity contracts are not FDIC insured.