Broker Check

Their future, secured.

Your people work hard for your business. Your 401(k) plan should work hard for them.

Whether you're setting up a new 401(k) plan or improving the one you have, we help you understand what it costs, design it to fit your company, and keep your employees engaged in saving for their own future.

See how a plan comes together

Most 401(k) plans are set up once and rarely looked at again.

Choose the question closest to yours. We'll show you where it's answered.

One company's 401(k), rebuilt around its people.

Marcus owns a family distribution company with 140 employees. His CFO, Dana, chairs the 401(k) committee. Their plan was set up twelve years ago and hasn't been looked at closely since. Follow it in seven chapters.

An illustrative company. Names, figures, and results are hypothetical and do not represent an actual client or predict future results.

The company's 401(k) plan at a glance One hundred forty dots, one per employee, filled in for each employee saving in the plan. Below, the plan's total cost against the market range, the number of investment options, and the result of annual testing. Each changes as the chapters progress.

Find out what the plan really costs

Nobody at the company could say what their 401(k) cost. We ran a competitive market review of providers and found they were paying well above plans of similar size. When we shared the results, their provider offered a reduction, but it still fell short of the market.

What we do
Run competitive market reviews of your plan's providers and negotiate lower fees.
What you leave with
A clear view of what your plan costs, and how it compares.

Move when it's a better fit

Another provider offered stronger service at a lower cost. Switching sounded daunting, so we managed the transition: the timeline, the notices to employees, and the move of every account, working with both the new provider and the old one.

What we do
Help you move to a new provider when it's a better fit, and manage the transition.
What you leave with
A provider that fits, and a transition you don't have to manage alone.

Design the plan around your people

Only about half of their employees were saving. And after the plan failed its annual testing, Marcus and his managers had some of their own contributions refunded. We recommended automatic enrollment, including a one-time enrollment of current employees, and a safe harbor design that lets owners and key employees save more.

See the difference

What we do
Recommend plan design improvements, such as automatic enrollment and designs that help owners and key employees save more.
What you leave with
A plan designed to encourage saving at every level of the company.

Simplify the investment lineup

Thirty-eight funds had piled up over the years, many overlapping and some expensive. We built a streamlined lineup, added a series of target date funds for employees who'd rather not choose on their own, and monitor every fund on an ongoing basis.

What we do
Build and monitor your plan's investment lineup, including streamlining options and adding target date funds to reduce costs.
What you leave with
Fewer, clearer choices, with every fund under ongoing review.

Stay compliant, and aligned with your taxes

Behind every plan is a calendar of tests, filings, and deadlines. An experienced pension consultant we partner with oversees compliance and annual testing. We coordinate with them and the company's CPA, so contributions fit the company's tax strategy, and helped Marcus decide whether the company should cover the plan's costs.

What we do
Partner with experienced pension consultants to oversee compliance and annual testing; coordinate with your CPA and pension consultant so the plan works with your tax strategy; and help you plan company contributions, including whether the company should cover plan costs, and meet key deadlines.
What you leave with
Tests, filings, and deadlines handled by professionals who work together.

Help employees make the most of it

A plan only helps the people who use it. We hold regular employee meetings on the topics they actually ask about: getting started, saving while paying down debt, and what retirement could look like for them. Participation climbed, and so did the questions.

What we do
Hold regular employee meetings on topics your employees care about, to encourage participation and engagement.
What you leave with
Employees who understand their plan, and use it.

Keep watching

Dana's committee meets with us regularly for updates on costs, investments, and participation. Between meetings, we review the plan so small issues are caught early, before they become expensive ones.

What we do
Work with your 401(k) committee and provide regular updates on the plan, and review the plan regularly to catch issues early.
What you leave with
A committee that stays informed, and issues caught early.
Chapter 1 of 7

Many people keep a 401(k) running. We keep them working together.

A 401(k) plan involves a provider, a pension consultant, your CPA, and your committee, each with a different piece of the work. We coordinate all of them, so decisions about the plan fit your company and your people.

  • Plan providerKeeps the accounts, processes contributions, and gives employees access.
  • Pension consultantOversees compliance, annual testing, and required filings.
  • Your CPAAligns company contributions with your tax strategy.
  • Your 401(k) committeeMakes decisions about the plan, with regular updates from us.

Begin with a conversation about your plan.

Bring your most recent plan fee disclosure. We'll show you how it compares.

Schedule a conversation