Retirement Plan Management Services

We help you bring your plan into line with the highest fiduciary standards, then monitor and manage it to maintain these standards , with services including:

• Fee/Expense benchmarking versus peer group to eliminate any unreasonable fees
• Fiduciary Assessment
• Annual Service provider benchmarking
• Access to our proprietary Request for Proposal (RFP) and service provider RFP database to conduct RFPs as needed
• Assistance with 404(c) review and compliance and safe harbor consultations
• Independent quarterly monitoring report versus peer group
• Investment Policy Statement review, including purpose, objectives, roles and responsibilities, investment selection and monitoring, and watch list criteria
• Investment analysis. We manage a “blue ribbon”¹ list of top investment performers for investment lineup selection or replacement
• Qualified Default Investment Alternative (QDIA) selection assistance for plan sponsors
• Target Date Investment Analysis, which includes consideration of plan demographic characteristics, glidepath or equity exposure at various age vintages, strategies and investment fees
• Stable Value Fund Analysis-often, one of the largest plan assets

We help your plan create and adapt key plan documents including:

• Investment Policy Statement
• Quarterly independent monitoring reports
• Committee by-laws
• Appointment and acceptance letters for appointment to the Investment Policy Committee
• We provide a fiduciary vault for your plan’s documentation

We can assist you in creating an Investment Committee, while training your committee members on their fiduciary roles and responsibilities, both initially and periodically. if your plan does not already have a committee, we can provide sample templates for by-laws, charters, minutes and other documents. We ask to attend all Investment Committee meetings, providing our expertise and research to the decision process.

We help you give your employees the tools, education and investment options that provide them with a better chance of meeting their goals. Our services include:

• Our comprehensive approach to participant financial well-being, which includes a specified Financial Wellness Benefit
• Asset Allocation option selection and analysis to assist the “help me do it” and “do it for me” segments
• Behavior-based education, including virtual meetings and classrooms, to empower all participants from “do it for me” to “help me do it” to “do it myself”
• Education workshops using multiple multimedia sources
• Working with participants to achieve higher deferral percentages
• Help educate participants on suitable asset allocation for their objectives and risk tolerances
• Rollover education, either one-on-one or through an automated system, at your discretion
• Group and individual enrollment meetings, both onsite and through the web
• One-on-One Meetings / Financial Coaching