Business Retirement Plans
One more thingoff your plate
401(k), SIMPLE, SEP and cash balance plans, designed and administered for business owners and the teams who make the business run.
The problem
Most plans were sold, not designed
Your team is the reason the business runs, and a retirement plan is one of the few benefits that actually keeps good people. But most businesses end up in a plan that was sold to them rather than designed for them. Fees buried in the fine print, an investment lineup nobody has reviewed in years, and a stack of compliance responsibilities that quietly became yours the day you signed.
We take that off your plate. We serve as a co-fiduciary on plan investments, build and monitor the lineup, benchmark what you are actually paying, and coordinate the recordkeepers and administrators so you do not have to. Your team gets a plan worth participating in. You get one less thing to manage.
Owner-focused
We work directly with owners, so we understand the payroll, compensation and staffing realities sitting behind the plan.
Fiduciary partnership
Advisory support built to help you meet your responsibilities as the plan sponsor, with the documentation to show for it.
Engaged participants
Plain-English education so your team understands what they have and saves with confidence.
Scope
How we support your plan
Six responsibilities that otherwise land on the plan sponsor, handled on a documented schedule rather than when someone remembers.
Fiduciary support
Serve as a co-fiduciary on plan investments under ERISA §3(21) or §3(38). The service level is set by your advisory agreement.
Investment menu and monitoring
Build a diversified lineup and review it on a documented, ongoing schedule rather than leaving it untouched for years.
Plan design consulting
Align the structure to your goals. Safe Harbor, profit sharing, student loan match, eligibility and vesting.
Fee benchmarking
Benchmark recordkeeping, administration and advisory fees for reasonableness so you know what you are paying for.
Participant education
Group and one-on-one education, enrollment support and retirement readiness resources for your whole team.
Provider coordination
Coordinate recordkeepers and third-party administrators through implementation and ongoing administration.