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 a form used by plan sponsors and trustees to establish an investment account for a qualified retirement plan, such as a 401(k) or profit-sharing plan, under Section 401(a) of the Internal Revenue Code. This application allows for the setup of either a trustee-directed pooled account or individual 'For the Benefit Of' (FBO) accounts for plan participants, detailing plan information, trustee details, and investment preferences. 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.
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Form specifications
| Form name: | Fidelity Investment-Only (Non-Prototype) Retirement Account Application |
| Number of pages: | 9 |
| Language: | English |
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How to Fill Out NP-BKAPP-1022 Online for Free in 2026
Are you looking to fill out a NP-BKAPP-1022 form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your NP-BKAPP-1022 form in just 37 seconds or less.
Follow these steps to fill out your NP-BKAPP-1022 form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload or select the Fidelity Non-Prototype Retirement Account Application.
- 2 Use the AI assistant to complete Section 1 (Account Setup) with the plan's information, including sponsoring company name, plan name, tax ID, and plan structure.
- 3 Provide the required personal and financial details for each Plan Trustee in the subsequent parts of Section 1, including name, address, date of birth, and citizenship status.
- 4 Complete Section 2 (Financial Profile) by selecting the company's investment objective and providing details on annual income, net worth, and tax bracket.
- 5 In Section 3 (Funding Your Account), indicate how you will fund the account, such as by check, wire transfer, or transferring assets from another firm.
- 6 Choose any additional Account Features in Section 4, like checkwriting or margin credit, and provide information for any interested parties.
- 7 Review all entered information for accuracy, then follow the prompts to have all required trustees securely sign and submit the completed application.
Our AI-powered system ensures each field is filled out correctly, reducing errors and saving you time.
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Frequently Asked Questions About Form NP-BKAPP-1022
This application is used by trustees to open an investment-only account for a qualified, non-prototype retirement plan, such as a 401(k), profit-sharing, or defined benefit plan. It establishes the investment vehicle for the plan's assets at Fidelity.
This account is for trustees of retirement plans that are qualified under Section 401(a) of the Internal Revenue Code. It is not intended for individuals opening an IRA or for plans like 403(b)s.
For a new plan, you must attach copies of your plan document pages that show the full trust name, the identity of all trustees, and the trustee signatures. If you are just adding a participant to an existing plan with Fidelity, these documents are not required.
A trustee-directed pooled account holds all assets at the plan level, with the trustee making all investment decisions. An FBO ('For the Benefit Of') account holds assets in separate accounts for each individual plan participant.
To open accounts for multiple participants, you must choose Plan Structure Option B and complete a separate application for each individual 'For the Benefit Of' (FBO) account.
Each trustee must provide their full legal name, date of birth, Taxpayer ID Number (like an SSN), permanent address, and contact information. Information about citizenship and employment status is also required.
The minimum initial deposit is generally $500 in cash or eligible securities. You can fund the account by check, wire transfer, or by transferring assets from another financial firm or an existing Fidelity account.
If you do not select a specific mutual fund, any cash balances will be automatically swept into the Fidelity Government Money Market Fund, which serves as the account's core position.
You must sign the application in ink and mail it to Fidelity Investments, PO Box 770001, Cincinnati, OH 45277-0036.
The application has space for two trustees, but all trustees must sign. You should list the additional trustee's information on a separate sheet of paper and use the extra space on page 7 for the additional signature.
No, Fidelity only provides the investment vehicle for the plan. The plan trustees are fully responsible for all recordkeeping, tax reporting, and tax withholding requirements.
Yes, services like Instafill.ai use AI to accurately auto-fill form fields, which can save you time and help reduce errors. This is especially useful for lengthy forms with repetitive information.
Simply upload the Fidelity application PDF to the Instafill.ai platform. The AI will identify the form fields, allowing you to fill them out interactively online and save your progress.
You can use a service like Instafill.ai, which can convert flat, non-fillable PDFs into interactive, fillable forms. This allows you to type your information directly into the fields instead of printing and filling it out by hand.
Compliance NP-BKAPP-1022
Validation Checks by Instafill.ai
1
Required Signatures Match Listed Trustees
This validation ensures that a signature and date are provided for every trustee listed in Section 1 of the application. The form states 'ALL OWNERS MUST SIGN,' so if two trustees are detailed, two signatures are mandatory. This is critical for legal authorization and to prevent processing delays or rejection of the application due to incomplete authority.
2
Conditional Participant Information for FBO Accounts
This check verifies that if 'Option B: This is an account for one participant (FBO)' is selected under Plan Structure, then the participant's full name and Taxpayer ID Number are provided. If Option A is selected, this information should be absent. This ensures that FBO accounts are correctly linked to a specific participant, which is essential for proper recordkeeping and asset allocation.
3
Trustee Age Verification
This validation confirms that the date of birth provided for each trustee indicates they are of legal age (18 years or older). Financial regulations require account owners and fiduciaries to be adults. An application from an underage trustee would be legally invalid and must be rejected.
4
Tax ID Number Format and Type Consistency
This check validates that any Taxpayer ID Number (for the Plan, Participant, or Trustee) conforms to the standard format of the selected type (SSN, EIN, or ITIN). For example, an EIN must follow an XX-XXXXXXX format. This is crucial for tax reporting and identity verification as required by federal law; mismatches will cause tax reporting failures and regulatory issues.
5
Completeness of Foreign Citizen Information
This validation is triggered when a trustee is identified as a 'Foreign citizen.' It ensures that the Country of Citizenship, U.S. residency status, and all Government Identification details (ID number, country of issuance, issuance date, and expiration date) are fully completed. Failure to provide this information for non-U.S. citizens violates federal regulations like the PATRIOT Act and will halt the account opening process.
6
Permanent Address Is a Physical Location
This check verifies that the 'Permanent Address' for both the plan and all trustees is a physical street address and not a P.O. Box, as explicitly forbidden on the form. Financial institutions are required by law to obtain a physical address for identity verification purposes. An invalid address will cause the application to be flagged for correction.
7
Financial Profile Completeness
This validation ensures that exactly one box is checked in each of the five required columns in the 'Financial Profile' section: Investment Objective, Annual Income, Estimated Net Worth, Estimated Liquid Net Worth, and Federal Tax Bracket. This information is required by FINRA to assess the investment suitability for the client. An incomplete profile will result in the application being rejected.
8
Plan Establishment Date Validity
This check ensures the 'Date Plan Established' is a complete and valid date in MM/DD/YYYY format and is not a date in the future. This date is a critical piece of the plan's legal identity and is used for compliance and recordkeeping. An invalid or future date would be a logical error and would require correction before the account can be established.
9
Conditional Employment and Income Source
This validation rule checks the trustee's employment status. If 'Employed' is selected, the Employer's Name and Address fields must be filled. If 'Not employed' or 'Retired' is selected, the 'Occupation (if retired or not employed, indicate source of income)' field must contain an entry. This ensures compliance with 'Know Your Customer' (KYC) regulations by establishing the trustee's financial background.
10
Government ID Expiration Check
For any trustee identified as a 'Foreign citizen,' this check validates that the 'ID Expiration Date' is a valid date that has not already passed. The form requires an 'Unexpired ID,' so an expired document is not acceptable for identity verification. Submitting an expired ID will cause the application to be rejected pending submission of a valid, current ID.
11
Exclusive Plan Structure Selection
This validation ensures that the user has selected either 'Option A' (trustee-directed) or 'Option B' (FBO account) under the 'Plan Structure' section, but not both. Selecting both would create a logical contradiction about the account's structure. The system must enforce a single, clear choice to ensure the account is set up correctly according to the plan's design.
12
Trustee Contact Information Completeness
This check verifies that the 'Mobile Phone' and 'Email' fields are completed for each trustee, as the form states they are 'required for account security, transactional alerts, and delivery of other communications.' The validation should also check for basic format correctness (e.g., email contains '@', phone number contains a valid number of digits). Missing this information compromises account security and communication, so the application should be considered incomplete.
13
Association Disclosure Requirement
This validation ensures that if a trustee checks the box indicating they are 'employed/associated with a Broker-Dealer' or 'Registered Investment Adviser', the corresponding 'Company Name' and 'Company Address' fields in the 'Associations' section are completed. This disclosure is a regulatory requirement (FINRA Rule 3210) to allow for compliance oversight by the associated firm. Failure to provide details when an association is declared will halt the application.
14
Plan Type Specification for 'Other'
This check verifies that if the 'Other Qualified Plan' checkbox is selected under 'Type of Plan', the user has provided a description of the plan type in the adjacent space. This is necessary for Fidelity to understand the nature of the plan and ensure it is a 'qualified plan under Section 401(a)' as required. An unspecified 'Other' plan type is too ambiguous for account setup and compliance.
Common Mistakes in Completing NP-BKAPP-1022
The form requires new applicants to attach pages from their plan document or trust agreement that identify the trust name, trustees, and their signatures. Applicants often overlook this instruction on the 'Important Information' page and submit only the application, leading to an incomplete package. This mistake guarantees the application will be rejected and returned, causing significant processing delays until all required documentation is provided.
In Section 1, applicants must choose between Option A (trustee-directed pooled account) and Option B (FBO account for one participant). This is a complex technical distinction that is often misunderstood, leading to the selection of an incorrect account structure. Choosing the wrong option can result in compliance issues and an account that does not function as the plan requires, necessitating a lengthy correction process.
The application requires extensive and precise information for each trustee, including full legal name, date of birth, and a Taxpayer ID Number (SSN/EIN). People frequently use nicknames instead of legal names, leave required fields blank, or omit their Tax ID. Any missing or mismatched information, especially in bolded fields, will halt the application process due to regulatory 'Know Your Customer' (KYC) requirements, delaying the account opening.
The form explicitly states '(no PO boxes)' for the Plan's Permanent Address and the Trustee's Permanent Address fields. Applicants often miss this fine print and enter a P.O. Box out of habit. This is a common reason for rejection, as federal regulations require a physical address for identity verification purposes.
The signature page clearly states that all trustees must sign the application in ink. Common errors include forgetting to sign, providing a digital signature where an ink one is required, or failing to get signatures from all listed trustees, especially if there are more than two. An application with missing or incorrect signatures cannot be processed and will be immediately returned.
Section 2 requires the 'company’s investment profile,' but the categories like 'Annual Income' and 'Net Worth' can lead trustees to mistakenly enter their personal financial data. This results in an inaccurate risk profile for the plan's account, which could lead to compliance issues and unsuitable investment recommendations. It is crucial to provide data that reflects the financial standing and objectives of the plan or sponsoring company.
The application allows users to select features like 'Transfer from Other Firm' or 'Checkwriting' by checking a box. However, these features require separate, dedicated forms (e.g., Transfer of Assets form, Checkwriting Form) to be completed and attached. Applicants frequently check the box but forget to include the necessary supplemental form, meaning the requested feature will not be activated.
For any trustee who is a foreign citizen, the form requires detailed government ID information and explicitly states to 'Attach copy of ID.' A frequent mistake is to fill out the fields but forget to attach a copy of a valid, unexpired government ID. This omission leads to an incomplete application that will be paused or rejected pending receipt of the required documentation for identity verification.
The 'Associations' and 'Affiliations' sections contain dense regulatory language regarding connections to broker-dealers, FINRA, or publicly traded companies. Trustees often skim or skip these sections, assuming they don't apply, without fully understanding the broad definitions that can include family members. Failure to disclose a required association can lead to serious compliance and regulatory violations for both the trustee and the financial institution.
When providing the 'Plan Tax ID Number,' applicants must also check whether it is an SSN, EIN, or ITIN. A retirement plan is a legal entity that should have an Employer Identification Number (EIN), but applicants may mistakenly provide a personal Social Security Number (SSN). This mismatch causes validation failures and tax reporting errors, requiring correction before the account can be opened.
The form provides space for two trustees but notes that if there are more, they must be listed on a separate attachment and all must sign the application. A common oversight is to only list the primary trustees and neglect to include the full list and corresponding signatures from all fiduciaries. This invalidates the application, as it lacks the required legal authorization from all responsible parties.
This is a long, multi-page paper form that must be physically mailed. Mistakes during printing, filling it out by hand, or damage during mailing can render parts of the application illegible. Smudged ink, poor handwriting, or rips and stains can cause data entry errors or lead to the form being rejected entirely. Using an AI-powered tool like Instafill.ai can help by converting the non-fillable PDF into a cleanly typed, fillable version, reducing the risk of illegibility, though care must still be taken with the final print and mailing.
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