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Well.. my account is set up! Thank you for all the help! I applied through the online sign up, and after the docusign confirmation of "application signed" email I waited... and waited. I guess I was expecting a "welcome, your plan is active, call or come register online" type of notification once the application was approved, but that did not happen. My employer requires us to have an active account prior to submitting a salary reduction agreement. So... 2 weeks after submitting the online application, I emailed customer service. A few days later, while I was at work, (public schools are back in session in HI) someone from security benefit called and left a message to call back. Now, a week later, I finally was able to carve out time to call back within the time zone differences and the representative I spoke to confirmed my account was active and helped me register for my online account. I haven't finished poking around the site, but it seems fairly user-friendly. Now I have to mail/fax the SRA and still have to fill out my paperwork to move my money from AXA to Security Benefit, but at least I'm on the right track. Mahalo! I am grateful for this forum and its posters.