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Participating Public Employers
1501 E 10th Street
Atlantic, IA  50022
Phone: (712) 243-7477 / Fax: (712) 243-7531 - HR
Welcome to your employer-sponsored retirement savings benefit - the Iowa Retirement Investors' Club (RIC)! Plan details specific to this employer are shown below. Access additional program information from the left menu. Take advantage of this great employee benefit today!
EligibilityEmployees working 35 or more hours every 2 weeks are eligible to participate. 
457 Employee Contributions

Pretax and Roth (post-tax) contributions are available through payroll deductions up to IRS 457 annual maximum limits. There is no minimum.


Request to begin, change or stop payroll deductions at any time by completing the RIC Account Form PDF and forwarding it to your Human Resources Department. 

401a Employer

Pretax employer match eligibility and amount is based on employee contribution amount and days/years of employment -  not to exceed 4% of salary.

  •  Employed 30 days-5 years: $.40/dollar
  •  Employed 6-10 years: $.45/dollar
  •  Employed 11 or more years: $.50/dollar
EnrollmentEnrollment is always open. Review enrollment options available through the RIC provider shown below.
Providers & Investments

Investment options and services are made available through Empower. View the RIC At-A-Glance for a list of funds. 

Help from investment advisors with investment selection and account reviews is available through your provider at no extra cost. Advisors with questions about RIC can view Information for Advisors.

Investment changes may be made at any time by logging into your provider account, calling the toll-free # or meeting with your provider representative. There are no fees for fund transfers.

Account Management24/7 access is available for investment selection, personal information such as address or name change and  beneficiary updates.

While employed, distribution options are limited.

Once separated from employment, you may remain invested and request a distribution from your provider at any time.

Investment ProvidersEmpower