PB&H Benefits, LLC (PB&H), Administrator

PB&H is the program provider of the American 401k as offered in this website. PB&H is also the Administrator & Record Keeper of this 401k program.

PB&H provides 401k administration and record keeping to businesses in all 50 states with regional offices located in Waco, TX. With more than 85 years of experience in the field of retirement plans, the founders of PB&H have created an organization of particularly skilled professionals committed to the diverse needs and expectations of their retirement plan clients. They are highly regarded within the industry of qualified plan service providers.

Pattillo, Brown & Hill, LLP, the parent company, is one of the oldest and most respected accounting firms in Texas. With over 100 professionals, they have been serving the business community for over 85 years, with offices in Waco, Temple, Hillsboro and Brownsville, Texas as well as Albuquerque, New Mexico. As an indication of their commitment to quality, Pattillo, Brown & Hill has undergone a number of peer reviews including the most recent in 2010 performed by Eubank & Betts. At that time, the highest of the three ratings, “pass,” was assigned.

Their benefits professionals have various professional designations, including Certified Public Accountants, Accredited Retirement Plan Specialist and Certified 401(k) Plan Administrators. They are also Associate Professional Members in the American Society of Pension Professionals and Actuaries (ASPPA); and are members of the National Institute of Pension Administrators (NIPA), The American Institute of Certified Public Accountants (AICPA), The Texas Society of Certified Public Accountants (TSCPA) and The Society of Professional Asset Managers and Record keepers (SPARK). PB&H is a Certified Third Party Administrator of 401k plans and Cafeteria Plans. In addition to their professional affiliations, PB&H strives to maintain quality relationships with their financial partners to provide mutual clients with the highest quality of service.

PB&H is not an affiliate or subsidiary of MML Investors Services, LLC. For more information, please visit the PB&H website at:

Mid Atlantic Trust Company, Custodian

Mid Atlantic Capital Group, Inc. is the servicing arm for Counsel Trust Company, dba Mid Atlantic Trust Company. Mid Atlantic Capital Group, Inc. (MACG), specializes in many facets of 401k, 403b, and other retirement plan types including: directed trustee services, custody of assets, trading and settlement, and agent services. Presently, Mid Atlantic Trust Company serves as Trustee/custodian for over $8 Billion in employee benefit assets nationwide. is a website promoting retirement plan services through John M. Novak, a 401k specialist at MassMutual Greater Philadelphia and a Registered Representative of MML Investors Services, LLC. is a registered dba. is copyright protected.

American 401k

American 401k is a complete-solution retirement plan program with ease of administration and straight-through processing of payroll contributions. The program is designed for businesses of 1 to 500 employees.

MML Investors Services, LLC

MML Investors Services, LLC®, founded in 1981, is a Broker-Dealer and Registered Investment Advisor that helps clients achieve their financial goals by offering a wide array of competitive investment products and services including mutual funds, variable annuities and variable life insurance, brokerage accounts, portfolio management services, unit investment trusts, and direct participation programs. It provides its Registered Representatives access to a sizeable universe of investment choices, including mutual funds and securities brokerage services.

MML Investors Services, LLC, in its capacity as a registered Broker-Dealer with the Financial Industry Regulatory Authority (FINRA), and member Securities Investor Protection Corporation (SIPC), offers a wide range of securities products and services. MML Investor Services, LLC is also registered with the Securities and Exchange Commission (SEC), and offers investment advisory services in its capacity as a Registered Investment Advisor.

MassMutual Greater Phildadelphia

MassMutual Greater Philadelphia is a general agency of the Massachusetts Mutual Life Insurance Company (MassMutual) and currently serves clients in Pennsylvania, Delaware, New Jersey, New York, and many other states per licensing by its individual Representatives. The headquarters in Bala Cynwyd, PA provides training, technical support and administrative services to a network of affiliated offices throughout the Tri-state region.

MassMutual Greater Philadelphia associates are an organization of highly trained professionals who are backed by a team of product specialists. The specialists have years of combined experience in financial resource analysis, estate analysis, retirement planning, college funding, business continuation, executive fringe benefits, and employee group benefit programs and investment products.

MassMutual Greater Philadelphia’s mission is to help business and individual clients attain their financial goals. Commonly, these include insurance protection, business continuation, saving for retirement, and wealth accumulation. MassMutual Greater Philadelphia has a long standing tradition of providing the highest level of service with integrity, objectivity and quality representation.

John M. Novak, Registered Representative

John M. Novak is the Agency qualified plans specialist of MassMutual Greater Philadelphia, John is a Registered Representative of, and Investment Advisor Representative of, MML Investors Services, LLC, a Broker-Dealer and Registered Investment Advisor.

He has specialized in the 401k and retirement plan marketplace since 1986, representing businesses and non-profit organizations in a number of states including California, Colorado, Texas, Florida, Maryland, Pennsylvania, New Jersey, Delaware and New York. Through MassMutual Greater Philadelphia, John represents business on a national basis offering alternate retirement plan provider solutions, general direction on suitable retirement plan types and design, and investment education. John routinely provides investment support to the Plan Sponsor and participants throughout the stages of initial review, implementation, and monitoring.

John holds the credential of Accredited Investment Fiduciary (AIF®). AIF is the qualified plan industry’s first and only professional designation that demonstrates knowledge and competency in the area of fiduciary responsibility and communicates a commitment to standards of investment fiduciary excellence. An AIF financial professional is also most proficient in supporting Trustees and fiduciaries in the design and implementation of their investment policies. John obtained the AIF designation to improve his understanding of those who hold fiduciary roles.

As an undergraduate, John represented The Vanguard Group of Investment Companies servicing small business retirement plans. His full-time career began with MassMutual, who has remained as his exclusive employer. John has maintained a focus on serving the needs of small to medium size businesses with the installation of new retirement plans and the assessment for conversion of existing plans. John’s specialty is providing education to plan sponsors and participants.

Emphasizing his commitment to qualified plan support, John has continued extensive study through pension specialist schools, the PBGC, and ERISA/DOL Defined Contribution conferences. He has been a member of Oppenheimer Directors Council, MassMutual Top of the Council, and MMLIS Premier Partners.

John participates in the Mid-Atlantic Pension Study Group (MAPS) and lectures regularly on retirement planning to institutions and professional groups within the industry. He teaches CE accredited courses to agents, Registered Representatives, attorneys and CPAs in PA, NY, NJ and DE.

Committing time to the local community, John volunteer teaches Applied Macro Economics to high school seniors and middle school students through the national Junior Achievement Program. John presently volunteers as a teacher in mathematics at Silver Springs Martin Luther School. John is also an energetic volunteer and dynamic builder with Corazon, a California non-profit organization that serves the poor in Mexico and Central America. Corazon offers shelter, education, and community to thousands of our neighbors in northern Baja California and in the poorest states of Mexico. John is also a volunteer with Corazon de Vida, Kiva, PMBA, Little Brothers Friends of the Elderly, and Mommy’s Light.

He lives in Gladwyne, Pennsylvania, suburban to Philadelphia, not far from the Worcester farm where he was raised.