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Educator Retirement Savings Plan

Substitutes Any Time introduced the Educators Retirement Plan effective on January 1, 2016.  The Educators Retirement Savings Plan is a pre or post-tax 401K retirement savings plan option for all active employees. The plan is designed to withhold up to 75% of an employee’s compensation per pay period. There is no employer match at this time.

Am I eligible to participate?

All active employees are eligible. Deferral contributions begin on the first quarter after an employee is activated. Quarter start dates are 1/1, 4/1, 7/1 and 10/1.  Example: An employee is hired  February 14th and they elect to participate in the plan, they will see their first contribution to the plan on the applicable paycheck in April.

How do I enroll?

At the time of hire you will receive all necessary information to get started. You have the option of enrolling online or by submitting a form to Substitutes Any Time.

Who is administering this plan?

Substitutes Any Time is working with two reputable companies to administer and support the plan. Stiles Financial is the Registered Investment Advisor for the plan and OneAmerica is acting as the Trustee and record-keeper of the plan. As our Trustee, OneAmerica does have the identifying information required by the IRS to administer the plan and will use that information for recordkeeping only. Both companies are available to answer any questions you may have concerning the specifics of the plan.

Plan Participation

How do I access my account?

Go to www.oneamerica.com > Login >New Users > Register For A New Account> Register With Account Services > Enter in personal information. Our Policy Number is G37616.

I would like to make a contribution, what do I do?

You can choose your deferral contribution percentage as well as investment options by going to www.oneamerica.com or by calling 1-800-249-6269.

I’m ok with contributing but I want to change the amount.

You can choose a different deferral contribution percentage as well as investment options by going to www.oneamerica.com or calling 1-800-249-6269.

To change contribution elections once logged in you'll want to choose 'Traditional Enroll', then follow instructions.

What should I do if I don’t want to contribute?

If you do not want to contribute you don't need to do anything.



Call center hours 8 a.m. to 5 p.m. ET.

Participant Service Center - 1-800-249-6269

The call center can answer questions in the following areas:

  • Website questions/issues
  • General overview/plan information of 401K plan
  • Rollovers
  • Terminations
  • Paperwork distribution

Stiles Financial

General number – 952-988-0452 and they can work with Deb, Susan and Peter.

Stiles financial is our plan advisor and they can answer questions in the following areas:

  • Specific questions surrounding the 401k plan that OneAmerica cannot answer i.e.
    • Investment questions
    • Plan structure questions

Employees will need to indicate they are calling about the Educators Retirement Plan.

Substitutes Any Time

480-498-4000 or 866-601-6460 – ask to be transferred to the 401K voicemail. The mailbox is checked daily and you will receive a call back or email within 48 hours

Email: sat401k@substitutesanytime.com

The staff at Substitutes Any Time are unable to answer specific questions surrounding the 401K plan, but our 401K team can answer questions/assist in the following areas:

  • General plan overview
  • Reimbursement process