Yes! You can use AI to fill out Fidelity Investment-Only (Non-Prototype) Retirement Account Application
The Fidelity Investment-Only (Non-Prototype) Retirement Account Application is an 8-page form that allows plan trustees to establish a Fidelity brokerage account exclusively as an investment vehicle for qualified retirement plans under IRC Section 401(a), including 401(k), profit sharing, money purchase, and defined benefit plans. Fidelity provides only the investment platform and does not offer trustee, recordkeeping, tax withholding, or tax reporting services for these accounts. The form collects plan information, trustee details, financial profile, funding instructions, and account feature preferences, and requires ink signatures from all trustees. Today, this form can be filled out quickly and accurately using AI-powered services like Instafill.ai, which can also convert non-fillable PDF versions into interactive fillable forms.
Our AI automatically handles information lookup, data retrieval, formatting, and form filling.
It takes less than a minute to fill out Fidelity Non-Prototype Retirement Account Application using our AI form filling.
Securely upload your data. Information is encrypted in transit and deleted immediately after the form is filled out.
Form specifications
| Form name: | Fidelity Investment-Only (Non-Prototype) Retirement Account Application |
| Number of pages: | 1 |
| Filled form examples: | Form Fidelity Non-Prototype Retirement Account Application Examples |
| Language: | English |
Instafill Demo: filling out a legal form in seconds
How to Fill Out Fidelity Non-Prototype Retirement Account Application Online for Free in 2026
Are you looking to fill out a FIDELITY NON-PROTOTYPE RETIREMENT ACCOUNT APPLICATION form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your FIDELITY NON-PROTOTYPE RETIREMENT ACCOUNT APPLICATION form in just 37 seconds or less.
Follow these steps to fill out your FIDELITY NON-PROTOTYPE RETIREMENT ACCOUNT APPLICATION form online using Instafill.ai:
- 1 Navigate to Instafill.ai, upload the Fidelity Non-Prototype Retirement Account Application PDF, or select it from the available form library to begin filling it out online.
- 2 Complete Section 1 (Account Setup) by entering the sponsoring company name, plan name, plan address, state/country of organization, date the plan was established, plan tax ID number, and selecting the plan structure (Option A: trustee-directed pooled account, or Option B: FBO account for one participant).
- 3 Fill in the Plan Trustee information for each trustee (up to two on the form), including full legal name, date of birth, taxpayer ID number, permanent and mailing addresses, contact information, citizenship status, employment status, and any broker-dealer or RIA associations and affiliations.
- 4 Complete Section 2 (Financial Profile) by selecting the investment objective that best matches the plan's goals and checking the appropriate boxes for annual income, estimated net worth, estimated liquid net worth, and federal tax bracket.
- 5 Fill out Section 3 (Funding Your Account) by indicating how the account will be funded—by check, wire transfer, transfer from another firm, or transfer from an existing Fidelity Non-Prototype Retirement Account—and specify any mutual fund purchases.
- 6 Review Section 4 (Account Features) and optionally designate an interested party for duplicate statements and confirmations, and select additional features such as checkwriting or margin credit if applicable.
- 7 Review all completed information for accuracy, then have all plan trustees sign and date Section 5 (Signature) in ink, attach required plan documentation (trust agreement pages), and submit the completed application to Fidelity via the postage-paid envelope or by mail to the Cincinnati, OH address provided.
Our AI-powered system ensures each field is filled out correctly, reducing errors and saving you time.
Why Choose Instafill.ai for Your Fillable Fidelity Non-Prototype Retirement Account Application Form?
Speed
Complete your Fidelity Non-Prototype Retirement Account Application in as little as 37 seconds.
Up-to-Date
Always use the latest 2026 Fidelity Non-Prototype Retirement Account Application form version.
Cost-effective
No need to hire expensive lawyers.
Accuracy
Our AI performs 10 compliance checks to ensure your form is error-free.
Security
Your personal information is protected with bank-level encryption.
Frequently Asked Questions About Form Fidelity Non-Prototype Retirement Account Application
This application is used to open a Fidelity Brokerage Non-Prototype Retirement Account for qualified retirement plans under Section 401(a) of the Internal Revenue Code, such as 401(k), profit sharing, money purchase, and defined benefit plans. Fidelity provides only the investment vehicle — it does not offer trustee, recordkeeping, tax withholding, or tax reporting services for these accounts.
Plan trustees of qualified retirement plans under Section 401(a) need to complete this application. All trustees listed on the plan must sign the application in ink, and the form must include information about the sponsoring company, the plan, and each trustee. If there are more than two trustees, their names and required information must be attached on a separate sheet.
If you do not already have an existing Fidelity Non-Prototype Retirement Account, you must attach copies of the relevant pages of your plan document, trust agreement, and/or adoption agreement that show the full trust name, identity of trustees, and trustee signatures — typically found on the first and last pages of the trust document. If you are adding a participant to an existing account, plan documentation is not required.
No, this application cannot be used to open a participant-directed pooled account. You may use it to set up a trustee-directed pooled account (Option A), where all investment decisions are made by the trustee, or an individual 'For the Benefit Of' (FBO) account for a single participant (Option B). A separate application must be completed for each FBO account.
The minimum initial deposit required to open a Fidelity Non-Prototype Retirement Account is generally $500 in cash and/or eligible securities. You can fund the account by check, wire transfer, transfer from another firm (using a Transfer of Assets form), or by transferring from an existing Fidelity Non-Prototype Retirement Account.
Only plans qualified under Section 401(a) of the Internal Revenue Code are eligible, including 401(k) plans, profit sharing plans, money purchase plans, and defined benefit/pension plans. Plans that do NOT qualify include 403(b) plans and IRAs.
Each trustee must provide their full legal name, date of birth, taxpayer ID number (SSN, EIN, or ITIN), permanent address, mailing address (if different), mobile phone number, email address, citizenship status, employment status, and occupation. Foreign citizens must also provide government-issued photo ID details. The first trustee listed will receive all account correspondence.
Foreign citizen trustees must complete additional fields including their country of citizenship, residency status (permanent U.S. resident, nonpermanent U.S. resident, or nonresident of the U.S.), and a government identification number from an unexpired photo ID such as a passport, permanent resident card, or other government-issued ID. A copy of the unexpired ID must be attached to the application.
The account offers several optional features including duplicate statements and confirmations sent to an interested party (such as a participant), checkwriting privileges (requires a separate Fidelity Checkwriting Form), margin credit (subject to Fidelity's approval and plan allowance), and limited trading authority for plan participants or third parties. Trustees are strongly encouraged to consult a tax or benefits advisor before enabling margin borrowing.
No, Fidelity does not provide trustee, recordkeeping, tax withholding, or tax reporting services for Non-Prototype Retirement Accounts. The trustees assume full fiduciary and administrative responsibility for all applicable recordkeeping, tax reporting, and tax withholding requirements, including IRS Form 990-T filing if margin is used.
You can return the completed, signed application using the postage-paid envelope provided, or mail it to: Fidelity Investments, PO Box 770001, Cincinnati, OH 45277-0036. All trustees must sign the application in ink before submitting — Fidelity cannot process the application without all required signatures.
Yes, AI-powered services like Instafill.ai can help you accurately auto-fill the fields in this form, saving time and reducing errors. Instafill.ai guides you through each required section, including trustee information, plan details, financial profile, and funding options, ensuring nothing is missed before you submit.
You can upload the Fidelity Non-Prototype Retirement Account Application PDF to Instafill.ai, and the AI will help you fill in all required fields — such as plan information, trustee details, financial profile, and funding selections — directly on screen. Once completed, you can download, print, sign in ink, and mail the form to Fidelity.
If you have a flat, non-fillable version of this PDF, Instafill.ai can convert it into an interactive fillable form so you can type your information directly into the document. This eliminates the need to print and handwrite your responses, making the process faster and more accurate.
The Financial Profile section (Section 2) is required by the Financial Industry Regulatory Authority (FINRA) and other industry regulators. It collects information about your company's investment objective, annual income, estimated net worth, estimated liquid net worth, and federal tax bracket. You must select one investment profile (ranging from Short-Term to Most Aggressive) that best matches your plan's goals and risk tolerance.
Compliance Fidelity Non-Prototype Retirement Account Application
Validation Checks by Instafill.ai
1
Ensures the Plan Tax ID Number Type and Value Are Consistent and Properly Formatted
This check verifies that exactly one Tax ID type (SSN, EIN, or ITIN) is selected for the plan and that the corresponding number matches the expected format for that type: SSN as XXX-XX-XXXX (9 digits), EIN as XX-XXXXXXX (9 digits), or ITIN as 9XX-XX-XXXX beginning with a 9. The Tax ID Number is a required field and is critical for IRS compliance and tax reporting purposes. If no type is selected, the wrong format is used, or the field is left blank, the application cannot be processed and the account cannot be opened.
2
Ensures the Date Plan Established Is a Valid Date in the Correct Format and Not a Future Date
This check validates that the Date Plan Established field is populated in the required mm/dd/yyyy format, contains a real calendar date (e.g., not 13/45/2020), and does not represent a date in the future. A plan establishment date is required to confirm the plan's existence and eligibility under Section 401(a) of the Internal Revenue Code. If the date is missing, improperly formatted, or set in the future, the application will be flagged as incomplete and cannot be submitted for account opening.
3
Ensures Plan Structure Selection Is Made and Is Mutually Exclusive Between Option A and Option B
This check confirms that exactly one Plan Structure option is selected — either Option A (trustee-directed pooled account) or Option B (FBO account for one participant) — and that both options are not simultaneously checked. The plan structure determines the account type and regulatory requirements, and selecting both or neither creates an irreconcilable conflict in account setup. If no selection is made or both are selected, the application must be returned to the applicant for clarification before processing can proceed.
4
Ensures FBO Participant Information Is Fully Completed When Option B Is Selected
When Option B (FBO account) is selected as the Plan Structure, this check verifies that the participant's First Name, Last Name, and Taxpayer ID Number (with type selected) are all provided and properly formatted. These fields are conditionally required and are necessary to identify the individual beneficiary of the account for recordkeeping and regulatory compliance. If Option B is selected but any of these participant fields are left blank or improperly filled, the application is incomplete and cannot be processed.
5
Ensures Plan Trustee 1 Required Fields Are All Populated Including Full Legal Name, Date of Birth, Tax ID, Permanent Address, Mobile Phone, and Email
This check validates that all mandatory fields for Plan Trustee 1 are completed: First Name, Last Name, Date of Birth, Taxpayer ID Number (with type), Permanent Street Address (no PO boxes), City, State, ZIP, Mobile Phone, and Email Address. These fields are explicitly required by the form for account security, transactional alerts, and regulatory identity verification under federal anti-financial-crime regulations. If any of these required fields are missing or blank, the application cannot be opened and must be returned to the applicant.
6
Ensures Trustee Date of Birth Is a Valid Date, in Correct Format, and Indicates the Trustee Is at Least 18 Years of Age
This check validates that the Date of Birth field for each trustee is in mm/dd/yyyy format, represents a real calendar date, and results in an age of at least 18 years as of the application submission date. The application's signature section explicitly certifies that all trustees are at least 18 years of age and of full legal age in their state of residence. If a trustee's date of birth indicates they are under 18, or if the date is invalid or missing, the application must be rejected as the trustee lacks legal capacity to enter into the agreement.
7
Ensures Foreign Citizen Trustees Provide All Required Government ID Fields Including ID Number, Country of Issuance, Issuance Date, Expiration Date, ID Type, and a Copy of the ID
When a trustee selects 'Foreign citizen' for citizenship status, this check verifies that all subordinate fields are completed: Country of Citizenship, residency status (Permanent U.S. resident, Nonpermanent U.S. resident, or Nonresident of U.S.), Government ID Number, Country of Issuance, ID Issuance Date, ID Expiration Date, and ID Type (Passport, Permanent Resident Identifier, or Other). Additionally, the ID must be unexpired as of the submission date, must include a reference number and photo, and a copy must be attached. Federal regulations require this information for identity verification, and failure to provide complete and valid foreign ID information will result in the account being restricted or closed.
8
Ensures the ID Expiration Date for Foreign Citizen Trustees Is Not in the Past
This check specifically validates that the Government ID Expiration Date provided for any foreign citizen trustee represents a date that is on or after the application submission date, confirming the ID is currently valid and unexpired. The form explicitly states that the ID must be unexpired, as an expired government ID does not satisfy federal identity verification requirements. If the expiration date has already passed, the application must be flagged and the trustee must provide a current, valid government-issued photo ID before the account can be opened.
9
Ensures Broker-Dealer or RIA Association Details Are Provided When the Corresponding Checkbox Is Selected for Either Trustee
This check verifies that when a trustee checks the box indicating they are employed or associated with a Registered Investment Adviser or a Broker-Dealer, the Associations section is completed with the Company Name, Company Address, City, State/Province, ZIP/Postal Code, and Country of the associated firm. FINRA and other regulatory bodies require this disclosure so that duplicate account statements and confirmations can be sent to the employer for compliance review. If the checkbox is selected but the association details are left blank, the application is non-compliant with regulatory requirements and cannot be processed.
10
Ensures Affiliate Information Is Provided When a Trustee or Household Member Is a Control Person of a Publicly Traded Company
This check validates that when a trustee indicates (or it is otherwise known) that they, their spouse, or a household relative is a board member, 10% shareholder, or policy-making officer of a publicly traded company, the Affiliations section is completed with the Affiliate's Company Name and Trading Symbol or CUSIP for each such company. This disclosure is required under SEC Rule 144 and FINRA regulations to monitor for insider trading and conflicts of interest. Failure to disclose affiliate relationships when applicable constitutes a material omission that could result in regulatory violations and account restrictions.
11
Ensures the Financial Profile Section Has Exactly One Selection in Each of the Five Required Columns
This check verifies that the Financial Profile section (Section 2) contains exactly one checked box in each of the five columns: Investment Objective, Federal Tax Bracket, Estimated Liquid Net Worth, Annual Income, and Estimated Net Worth. The form states that all fields in this section are required by FINRA and other industry regulators, and each column must have one and only one selection to avoid ambiguity. If any column is left blank or has multiple selections, the financial profile is incomplete or contradictory and the application cannot be submitted.
12
Ensures at Least One Funding Method Is Selected and That the Selected Method's Required Details Are Provided
This check confirms that at least one of the four funding methods is selected in Section 3 (By Check, Transfer from Other Firm, By Wire, or Transfer from Existing Fidelity Non-Prototype Retirement Account), and that any method-specific required information is provided — such as the check amount for 'By Check,' the Transfer of Assets form for 'Transfer from Other Firm,' or the existing account number for 'Transfer from Existing Fidelity Non-Prototype Retirement Account.' The minimum initial deposit is generally $500, so if a check amount is provided it should be validated against this threshold. Without a valid funding method and its associated details, the account cannot be opened or funded.
13
Ensures the Plan's Permanent Address Does Not Contain a PO Box and That All Address Components Are Present
This check validates that the Plan's Permanent Address field contains a physical street address (not a PO Box, mail drop, or c/o address), and that all required address components — Street, City, State, and ZIP — are populated and non-blank. The form explicitly prohibits PO boxes for the permanent address, as a physical address is required for regulatory identity verification and legal correspondence. If a PO box is detected in the street address field or any address component is missing, the application must be returned for correction before it can be processed.
14
Ensures All Trustees Have Signed the Application and That Signature Dates Are in the Correct Format and Are Not Future Dates
This check verifies that a wet ink signature is present for every trustee listed on the application (including any additional trustees listed on attached pages), and that each corresponding signature date is in mm/dd/yyyy format, represents a valid calendar date, and is not a future date. The form explicitly states that the application cannot be processed without signatures from all owners, and the signature section certifies legal representations on behalf of the trust. If any trustee signature or date is missing, improperly formatted, or dated in the future, the application is legally incomplete and must be returned.
15
Ensures Plan Documentation Is Attached for New Accounts Without an Existing Fidelity Non-Prototype Retirement Account
This check verifies that if the applicant has not checked the box indicating they have an existing Fidelity Non-Prototype Retirement Account, the required plan documentation is attached — specifically, copies of the pages of the plan document, trust agreement, and/or adoption agreement that contain the full trust name, identity of trustees, and trustee signatures. This documentation is required to confirm the plan's qualified status under Section 401(a) of the Internal Revenue Code and to verify the trustees' authority. If the existing account checkbox is not selected and no documentation is attached, the application is incomplete and cannot be processed.
16
Ensures the Type of Plan Selection Is Made and Corresponds to an Eligible Qualified Plan Under Section 401(a)
This check confirms that exactly one Type of Plan checkbox is selected from the available options (401(k), Profit Sharing, Money Purchase, Defined Benefit/Pension Plan, or Other Qualified Plan), and that the selected plan type is consistent with the eligibility requirements stated in the form — specifically that the plan is qualified under Section 401(a) of the Internal Revenue Code. The form explicitly states that plans not qualified under 401(a), such as 403(b) plans and IRAs, are not eligible for this account type. If no plan type is selected, or if an ineligible plan type is indicated in the 'Other' field, the application must be rejected or returned for correction.
Common Mistakes in Completing Fidelity Non-Prototype Retirement Account Application
Many applicants forget to attach copies of the plan document trust agreement and/or adoption agreement when opening a new Non-Prototype Retirement Account. The form clearly states that pages showing the full trust name, identity of trustees, and trustee signatures must be included — typically found on the first and last pages of the trust document. Without these documents, Fidelity cannot process the application. To avoid this, gather all plan documents before starting the application and check the box indicating an existing account only if you truly have one already established with Fidelity.
Applicants frequently confuse trustee-directed pooled accounts (Option A) with individual FBO accounts (Option B), or attempt to use this form for a participant-directed pooled account, which is explicitly prohibited. This misunderstanding can result in the account being set up incorrectly, causing compliance issues and potential rejection of the application. Carefully read the definitions provided: Option A is for plans where trustees make all investment decisions and participants cannot effect transactions, while Option B is for a single participant's FBO account. If you need accounts for multiple participants, a separate application must be completed for each one.
The form explicitly states 'no PO boxes' for the Plan's Permanent Address field, yet applicants frequently enter a PO box number out of habit or convenience. Submitting a PO box in this field will cause the application to be rejected or delayed. Always provide a physical street address for the plan's permanent address. If you need to use a PO box for correspondence, enter it in the separate Mailing Address field provided.
Applicants sometimes leave the Plan Tax ID Number blank, enter their personal Social Security Number instead of the plan's Employer Identification Number (EIN), or fail to check the correct box (SSN, EIN, or ITIN). This is a required field and an incorrect or missing Tax ID can cause IRS reporting issues and account rejection. Verify the plan's EIN with your plan documents or the IRS before completing this field, and ensure you select the correct ID type. Tools like Instafill.ai can help validate that the correct format and type of tax ID is entered.
The application requires all plan trustees to sign in ink, yet applicants frequently submit the form with only one trustee's signature when multiple trustees exist, or they forget to sign entirely. The form states it cannot be processed without signatures, and all trustees listed must sign — including any additional trustees listed on a separate attached page. Review the signature section carefully before mailing, and if there are more than two trustees, ensure their signatures are included in the designated overflow space on page 7.
The form explicitly notes that mobile phone number and email are required for account security, transactional alerts, and delivery of communications, yet many applicants leave these fields blank or provide only a landline number. Missing this information can delay account setup and prevent important security notifications from being delivered. Ensure each trustee provides a valid mobile phone number and current email address, as these are used for account verification and ongoing communications.
Foreign citizen trustees often skip the government identification fields or fail to attach a copy of their unexpired government-issued photo ID, which is explicitly required. Others check 'U.S. citizen' incorrectly to avoid completing the additional fields, which constitutes a false certification. If a trustee is a foreign citizen, all fields in the citizenship box must be completed — including country of citizenship, residency status, government ID number, country of issuance, and both issuance and expiration dates — and a copy of the unexpired ID with photo must be attached.
Trustees who are employed by or associated with a broker-dealer, FINRA, a stock exchange, or other financial institution frequently fail to check the appropriate box and provide the required company information. This omission can create compliance violations, as Fidelity is required to send duplicate account statements and confirmations to the associated employer. Even if the association is indirect (e.g., a spouse or immediate family member in the same household), it must be disclosed. Review the Associations section carefully and disclose all relevant affiliations.
Applicants often check an investment objective (e.g., 'Aggressive Growth') without completing the corresponding financial profile fields — annual income, estimated net worth, estimated liquid net worth, and federal tax bracket — or they select a profile that is inconsistent with their financial data. FINRA regulations require this information, and inconsistencies can trigger compliance reviews or rejection. Complete all four financial profile columns honestly and select the investment objective that genuinely reflects the plan's risk tolerance and time horizon.
When selecting mutual funds for initial purchase, applicants frequently enter an incorrect fund symbol, leave the fund family or fund name blank, or fail to specify a dollar amount. If no fund selection is made, cash balances default to the Fidelity Government Money Market Fund (Core Position), which may not align with the plan's investment objectives. Double-check the fund symbol against the current prospectus, ensure the fund name and family match exactly, and confirm the investment amount meets any minimum purchase requirements.
Multiple date fields throughout the application (Date Plan Established, Date of Birth, ID Issuance Date, ID Expiration Date, and signature dates) require the mm/dd/yyyy format, but applicants frequently enter dates in other formats such as mm/yyyy, dd/mm/yyyy, or use slashes inconsistently. Incorrect date formats can cause processing delays or data entry errors on the account. Always use the exact mm/dd/yyyy format specified, and double-check all date fields before submitting. AI-powered form filling tools like Instafill.ai can automatically format dates correctly to prevent this common error.
When opening an FBO (Option B) account for a participant, applicants often forget to provide the participant's full name and Taxpayer ID Number, or they confuse the participant's information with the trustee's information. Each FBO account requires a separate application, and the participant's SSN/EIN/ITIN must be clearly identified. Failure to provide complete participant information will result in the account being unable to be properly established and reported. Ensure the participant's legal name matches their government-issued ID and that the correct taxpayer ID type is selected.
Saved over 80 hours a year
“I was never sure if my IRS forms like W-9 were filled correctly. Now, I can complete the forms accurately without any external help.”
Kevin Martin Green
Your data stays secure with advanced protection from Instafill and our subprocessors
Robust compliance program
Transparent business model
You’re not the product. You always know where your data is and what it is processed for.
ISO 27001, HIPAA, and GDPR
Our subprocesses adhere to multiple compliance standards, including but not limited to ISO 27001, HIPAA, and GDPR.
Security & privacy by design
We consider security and privacy from the initial design phase of any new service or functionality. It’s not an afterthought, it’s built-in, including support for two-factor authentication (2FA) to further protect your account.
Fill out Fidelity Non-Prototype Retirement Account Application with Instafill.ai
Worried about filling PDFs wrong? Instafill securely fills fidelity-investment-only-non-prototype-retirement-account-application forms, ensuring each field is accurate.
