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Managing Your Plan to Minimize Top-Heavy Issues
January 10, 2017

Happy New Year! To start the year off right, we would like to share insights on how you can help your business-owner clients minimize pains associated with top-heavy issues. Because top-heavy required employer contributions to 401(k) plans can create budget challenges and may be a thorn in the side of some business owners, this article discusses creative ways to alleviate related frustrations, satisfy existing clients and gain new relationships along the way.

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Technical Support

The JULY participant support team is standing by to help you with questions about your plan.  Our team is available from 8:15 A.M. to 5:15 P.M., Central Time.  Below are details on how to reach support.


  • Contact Your Plan’s Investment Advisor
    Your plan's investment advisor will help you answer questions about the investment options in your plan.  You may obtain contact information for your plan's investment advisor from your human resources department.  If your plan is on the JULY Retirement Platform, this information can be obtained via the website at


  • Visit the Plan Website
    If your plan is on the JULY Retirement Platform, you can obtain information about your account balance, investments, and other plan-specific information via the plan website at  If your plan is with another retirement platform, you may contact our support team for information on how to access your account.


View All FAQ

1. Website - What is available on the plan’s website?

Your plan’s website provides detailed information about your account and allows you to make changes. You can get information about your balance, investment options, see past transactions, and see copies of your participant statements. You can also make changes to your account, including transferring money between investments and choosing how future contributions are invested.

Learn more 2. Website – How do I access my plan’s website?

Most retirement platforms provide you a website where you can manage your retirement account.  If your account is on the JULY Retirement Platform go to:

If your retirement plan is on a non-JULY platform such as John Hancock, The Hartford, American Funds, or another provider, contact your Human Resources Department for information on accessing your account.

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