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FICA Alternative Plan 101
A FICA Alternative Plan is a type of 3121 retirement plan for your seasonal, part-time, and temporary employees that replaces Social Security. Employers avoid the matching 6.2% Social Security contribution, replacing it with an impactful benefit for employees.

Benefits To The Employer

  • Employer saves the matching 6.2% Social Security Contribution
  • Plan administration, compliance, and education handled by MidAmerica
  • Unique retirement benefit attracts talent
  • Dedicated account management
  • 24/7 online plan access—download plan documents, monitor account transaction, and generate reports

Benefits To The Employee

  • 7.5% of wages are contributed on pre-tax basis
  • Employee empowerment through valuable retirement plan
  • Funds are invested, which means increased value due to earnings over time
  • Investments may be self-directed to meet personal retirement goals
  • National customer service center provides unparalleled service


  • Funds are invested to grow tax-deferred
  • Guaranteed minimum rate of return
  • Variable options available
  • Invested with high-performing investment provider that has earned an A+ (Superior) financial rating from A.M. Best Co. and an AA- from Standard & Poor’s

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