SML Plans

Your Source for Retirement Plans In the Professional Workplace.

Defined Benefit Plans

Defined Benefit Plans can greatly expand the permitted contributions to tax-deductible retirement plans over Defined Contribution Plans. 

Defined Contribution Plans

401(k) plans have become very attractive to the small business owner, from a Micro(k)®, to a Safe Harbor 401(k) or Profit Sharing plans and more. 

Pension Administration

Security Administrators, Inc. (SAI), a wholly owned subsidiary of Security Mutual Life, has been serving the retirement needs of employers for more than three decades.

We Designed SMLPlans to be the one-stop shop for all things related to Security Mutual Life’s retirement plan programs.


Rather than relying on mass-marketed plans, SML offers a broad range of highly innovative retirement plans. Our “Next Level” plans are designed to take full advantage of very favorable tax law. Plans like DASH 401(k), Micro(k)®, 412(e)(3) “Fully Insured” and Cash Balance defined benefit plans have re-engineered the retirement landscape.

We also have a wholly owned subsidiary, Security Administrators, Inc., that can perform third-party administrative and actuarial services to businesses of all types. Their clients range in size and diversity from individuals and professional service corporations to emerging high-tech firms and manufacturing companies.


DASH 401(k) Plans


Micro(k) Plans


412(e)(3) Fully Insured Plans


Traditional Defined Benefit Plans


Cash Balance Plans

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Security Mutual Life Insurance Company of New York
100 Court Street
PO Box 1625
Binghamton, New York 13902-1625
Phone: 1-800-346-7171

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