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Equitable and the Ohio Alternative Retirement Program (ARP)
You have the opportunity to participate in an Equitable 401(a) retirement plan to help you build assets for the future in a way that is convenient and flexible.
In the state of Ohio, if you are an eligible academic or administrative employee, you may choose not to participate in the state retirement system and instead enroll in the Ohio ARP, a 401(a) defined contribution plan.
Within the first 120 days of your employment, you must select which plan you wish to contribute to. If you do not elect a retirement program, you will automatically be enrolled in the state retirement system. Your decision is irrevocable.
Once you've been enrolled in either program, you must remain within that system while you are employed by your current employer. The amount you contribute to the 401(a) plan must be the same as if you were contributing to the state retirement system. Any employer contributions vary by employer.
All contributions made on your behalf are immediately vested, which means they’re yours as soon as they’re put into the plan.
With Equitable 360, we built a retirement program specifically for you. It can help turn your salary into a more comfortable retirement. Equitable 360 gives you the flexibility to design a retirement investment portfolio with a balance between growth and security. You can mix and match mutual funds, a fixed account with guaranteed growth to create the plan that best meets your needs.
You have the flexibility to invest in a way that works for you, based on your personal goals and the amount of risk you’re comfortable taking. You can choose any combination of mutual funds that are available in your plan, including strategies to help you manage risk.
Your account value will fluctuate with the investment performance of the options you chose, which means there is risk and you could potentially lose principal.
You can use this feature to automatically rebalance the assets in the investment options back to the original percentages you selected. You choose how often: quarterly, semiannually, or annually. Rebalancing doesn't guarantee a profit or automatically protect you from loss, but it does ensure that, over time, your allocations will stay in line with the strategies you feel are best. Whatever option you choose, you can change the allocation of your rebalanced assets. You can also stop, change, or switch the option at any time. There is no cost associated with this feature.
You don’t pay tax on your contributions or the accumulated earnings in your account until they are withdrawn or distributed which can help your assets grow than if they were in a taxable account.
Once you enroll, you can make transfers, check your balances, and take distributions, using whichever method you prefer:
You might be eligible to enroll in additional tax deferred programs sponsored by your organization.
Click here and then enter your organization’s name to see if they offer additional Equitable tax deferred retirement accounts.
The Equitable 360 Retirement (Equitable 360) defined contribution program consists of a custodial account offered through Reliance Trust Company, LLC, within which plan participants’ chosen mutual fund shares are held, as well as a group fixed annuity contract (Generic Form Number 2106FA-MFrev, 2016FA-MF403b) issued by Equitable Financial Life Insurance Company (“Equitable Financial”). Mutual funds made available through the program are distributed by Equitable Distributors, LLC, (“Equitable Distributors”). Equitable Financial and Equitable Distributors are located at 1345 Avenue of the Americas, New York, NY 10105, (212) 314-4600. Equitable Financial is solely responsible for meeting the obligations of the group fixed annuity contract.
Offered by affiliated and unaffiliated entities, the Equitable 360 program is the result of various strategic partnerships, including one between Equitable Distributors, LLC and PlanConnect,LLC. The Equitable Retirement Plan Services SM platform includes record keeping, trading and custodial services to plan sponsors for the program. Reliance Trust Company serves as custodian of mutual funds selected by plan participants. PlanConnect, LLC, serves as the platform’s record-keeper and third-party administrator. Equitable Retirement Plan Services SM is a service mark of the contractual arrangement between affiliated and/or unaffiliated entities within the platform; PlanConnect® is a registered service mark of PlanConnect, LLC (100 Madison Street, Syracuse, NY 13202. (800) 923-6669). Equitable Financial, Equitable Distributors, and PlanConnect, LLC are separate but affiliated companies. Reliance Trust Company is a separate and unaffiliated company.
The investments in this Equitable 360 program are subject to investment risks, including possible loss of the principal invested. They are not insured by the Federal Deposit Insurance Corporation nor are they deposits to, obligations of, or guaranteed by any bank.
For a program summary, which contains more complete information including investment objectives, risks, charges, and expenses, please contact your financial professional. Please read the program summary carefully before you invest or send any money.
While this webpage will summarize certain information about the Ohio Alternative Retirement Plan for your convenience, it is not an official explanation of the program. In the event of a discrepancy between any information provided and any information provided directly by the state of Ohio, the latter will take precedence. Equitable Financial, Equitable Advisors and its affiliates and associates do not provide tax or legal advice.
GE-5350992.2 (01/2024) (Exp. 01/2026)