Highest Quality
With due diligence, we may be able to improve the design and/or processes within your current plan:
Plan design and consulting
Help identify custodians, record keepers, and plan administrators
Coordinate with Third Party Administrator (TPA)
Employee education
Cost Effective
Not withstanding the obvious, costs eat into performance, so minimizing costs maximizes gains.
Years of experience show us that often employee contributions and their employer's matching dollars get eroded because they go towards paying unnecessary broker commissions, along with unusually high administration and maintenance fees.
We help you understand your plan’s fees and options, and make sure every dollar saved is a dollar saved!
Properly Diversified
Unfortunately, all too often, Plan Sponsors think they are diversifying their fund line-up, when in fact they are not. Most 401(k) plans have a limited investment options and normally, the fund line up includes options that are chosen to match an index, not to beat it. Typically, qualified plans have a couple large cap and mid cap funds in them with very little diversification of bonds, and they almost never have sector specific options like utilities or healthcare. There are different risks that apply to different types of bonds, and different sectors of the stock market behave behave very differently through economic cycles. To have a portfolio that truly matches plan participants risk tolerances and financial objectives we must strike the right balance.
Diversifying the investments of the retirement plan help minimize the risk of large losses and take advantage of diversified gains.