Automatic Enrollment with Increases Procedure

Key Takeaway

If your plan has elected automatic enrollment with automatic increases, when an employee has met plan eligibility requirements, you must set the Salary Deferral Amount to the plan’s Automatic Deferral Percentage (for example, 3%) in your payroll system. Further instructions are below.

Online Enrollment

Send census file. Prior to each enrollment date, submit a census file of employees who will be eligible on the next enrollment date. Submit the file on our secure website, as follows:

  1. 1

    Log in to sponsor website.

  2. 2

    Go to Manage My Files, and click Submit Files.

  3. 3

    File Type: Select Online Enrollment.

  4. 4

    Short description of what you are submitting, (e.g., newly eligible employees).

  5. 5

    Your information covers the period between: Enter file dates.

  6. 6

    Location of the information you are submitting: Use the Browse button to attach the file. Click Submit.

Weekly Payroll Report for New Employees and Deferral Rate Changes

Each Monday a report titled Payroll Reports will be available online, listing participants who enrolled or made a deferral rate change online during the previous week:

  1. 1

    After logging in, go to Manage My Files, and click Retrieve Files.

  2. 2

    File Type: Select Payroll Reports.

  3. 3

    Name Includes: Leave blank.

  4. 4

    Click on the Search button and select View to launch the report.

It is the employer’s responsibility to ensure that participant-initiated deferral rate changes are fully executed in accordance with plan provisions.

At any time, the employer can generate a payroll report for a specific date range. To request the report:

  1. 1

    After logging in, go to Manage My Files, and click Request Reports.

  2. 2

    Reports: Select Participant Rate Entry Change Report.

  3. 3

    Date Low and Date High: Enter a date range.

  4. 4

    Click Request Report. To retrieve the report, go to Manage My Files, and click Retrieve Files.

  5. 5

    File Type: Select Requested Reports.

  6. 6

    Name Includes: Leave blank.

  7. 7

    Click on the Search button and select View to launch the report.

Automatic Increase or Opt-Out Option

  • At the beginning of each plan year or on a date predetermined by the employer, participants deferring the Minimum Automatic Deferral Percentage will be increased incrementally to the Maximum Automatic Increase Limit per the plan document, unless they elect to opt-out of the increase for the upcoming year.
  • After the opt-in period has expired, Alerus will provide a list of participants who opted in, as well as those who will be automatically increased in the new year.
  • Upon employer review and confirmation of the list, Alerus will update participant records with the new deferral rates for the next year.