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 * Employers
   * Help Center
   * Program Details
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 * Savers
   * Program Details
   * Contributions
   * Investments
   * Price and Performance
   * Withdrawals
   * Program Forms
 * Help and Resources
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WELCOME TO MERIT. THE EASY WAY TO SAVE FOR RETIREMENT.


MERIT HAS OFFICIALLY LAUNCHED!

The Maine Retirement Investment Trust (MERIT), is a new retirement savings
program, created by the Maine Retirement Savings Board. Here in Maine, 40% of
our private-sector workforce does not have access to a retirement savings plan
at work. MERIT was created to help bridge Maine’s retirement savings gap.

With MERIT, businesses can help their employees save for retirement in a Roth
Individual Retirement Account (IRA) through convenient payroll deductions. This
new program is an easy way for Mainers to save for the future.




EMPLOYERS

Registration for the MERIT program is now open for eligible employers. Get
started today.

Register a business ( opens in a new window )

Sign in ( opens in a new window )

Certify my exemption ( opens in a new window )


SAVERS

Plan for what’s ahead. MERIT is a flexible and secure way to save, even if
you’re self-employed.

Set up your account ( opens in a new window )

Sign in ( opens in a new window )

Opt out ( opens in a new window )


GREAT BENEFITS TO HELP YOU SUCCEED

EMPLOYER BENEFITS

 * No cost for employers 

 * Getting started is fast and easy

 * Works seamlessly with your payroll process

 * Stay competitive by offering access to a great benefit to your employees

 * Requires very little time and administration

Learn more about employer benefits

SAVER BENEFITS

 * Secure, simple way to save for retirement

 * It’s portable — if you change jobs, your money and your account go with
   you.  

 * Customizable contribution amounts to meet your needs

 * It’s voluntary — stay enrolled automatically or opt out and re-enroll later

 * Access to online tools and real people trained to answer your questions

Learn more about saver benefits


WANT EVEN MORE INFO?

Download additional information about MERIT.

Employer Fact Sheet ( opens in a new window )

Saver Fact Sheet ( opens in a new window )


MERIT EXPANDS MAINERS’ ACCESS TO RETIREMENT SAVINGS

More than one quarter of Americans have no money saved for retirement.1 MERIT
can help you bridge the retirement savings gap.

REFERENCE

1. “Your Evening Briefing: One in Four Americans Have No Retirement Savings,”
Bloomberg, 17 April 2023.
https://www.bloomberg.com/news/newsletters/2023-04-17/bloomberg-evening-briefing-one-in-four-americans-have-no-retirement-savings


 * Employers
 * Savers
 * Help and Resources
 * About Us
 * Contact Us

Employer assistance
1-833-608-8811

Employee assistance
1-833-608-8840

clientservices@MERITSaves.com

 * Program description ( opens in a new window )
 * Terms and conditions ( opens in a new window )
 * Privacy policy ( opens in a new window )
 * MERIT Board ( opens in a new window )

MERIT is governed by the Maine Retirement Savings Board (“MRSB”), an
instrumentality of the State of Maine. Vestwell State Savings, LLC (“Vestwell”),
dba Sumday Administration (“Sumday”), is the program administrator. Vestwell and
The Bank of New York Mellon are responsible for day-to-day program operations.
Participants who use MERIT beneficially own and have control over their Roth
Individual Retirement Accounts (“IRA”), as provided in the program offering set
out at MERITSaves.com.

MERIT’s investment options are selected by the MRSB. For more information on
MERIT’s investment options, go to MERITSaves.com. Account balances in MERIT will
vary with market conditions and are not guaranteed or insured by the MRSB, the
State of Maine, the Federal Deposit Insurance Corporation (“FDIC”) or any other
organization.

MERIT is a completely voluntary retirement program. Saving through a Roth IRA
will not be appropriate for all individuals. Employer facilitation of MERIT
should not be considered an endorsement or recommendation by your employer of
MERIT, Roth IRAs, or the investment options in the program. Roth IRAs are not
exclusive to MERIT and can be obtained outside of the program and contributed to
outside of payroll deduction. Contributing to a MERIT Roth IRA through payroll
deduction offers some tax benefits and consequences. You should consult
appropriate professional advice or consultation if you have questions related to
taxes or investments.

The MERIT name and the MERIT logo are trademarks of the MRSB and may not be used
without permission.

© 2023 MERITSaves