A retirement plan is only as good as its last real review.
We review it, design it, and stay on it, so you're not quietly carrying a liability you don't even know about.
401k review and benchmarking
We pull your plan's real performance data and stack it against independent benchmarks (Morningstar, FI 360, and others) across active and passive funds, sector by sector, fee by fee. You'll see, in plain terms, whether your funds are earning their keep, what you're actually paying versus the market, and where a cheaper or better option is sitting right there. If your plan hasn't been reviewed in a few years, it's probably still priced for the company you were when you signed up, not the one you run now.
Plan design and safe harbor strategy
A well-designed plan does two things: keeps you out of trouble with the IRS, and makes your business a place people want to work. We help you build:
- Safe harbor matching (dollar-for-dollar or tiered), which keeps owners and highly compensated employees from getting hit with corrective distributions when lower-paid employees don't participate enough
- Cash balance plans, for owners who want to shelter more income than a standard 401k allows
- Vesting schedules that reward people for sticking around, without giving away more than you have to
Compliance, actually handled
Most employer plans have never had an investment policy statement, the document that spells out how the plan's funds get picked and watched, and most have never held the annual investment committee meeting that's technically required to govern it. Nobody notices until an employee loses money in a downturn and starts asking why. We put both in place and keep them current: IPS drafting, annual committee meetings, ERISA compliance checks, non-discrimination testing.
Financial wellness for your team
Employees who actually understand their plan use it better and stick around longer. We run enrollment education and ongoing financial wellness check-ins, not one onboarding session everyone forgets by year two.
Your plan, scored
Every review starts the same way: a scorecard. Your plan's rating nationally, in your industry, against your asset range, and by participant outcomes, built from the same data your current provider already files. It's the fastest way to see where you stand before you decide anything.