For Businesses
401k Plan Consulting. No Agenda.
Your employees are counting on their retirement plan to work. We help you make sure it does — by giving you an honest, independent assessment with no products to sell and no commissions to earn.
Who This Is For
If you're a business owner, CFO, or HR leader responsible for your company's 401k plan, you have a fiduciary duty to your employees — whether you know it or not. That means you're legally obligated to act in their best interest when it comes to plan design, investment options, and fees.
Most plan sponsors rely on their plan provider or a broker for guidance. The problem: those advisors are often compensated by the funds in your plan. Their advice isn't independent — it can't be.
We're different. We have no relationship with any fund company, recordkeeper, or plan provider. We're paid only by you, which means our only job is to tell you the truth about your plan.
You'll benefit from this if you're:
- A business owner who set up a 401k years ago and hasn't reviewed it since
- An HR or finance leader who suspects your plan fees are too high
- A company that recently grew and wants to make sure your plan still fits
- A plan sponsor who wants to document a defensible fiduciary process
- An organization whose employees aren't participating at the rate you'd expect
- Anyone who wants a second opinion on advice they've already received
What We Typically Find
Most plans we review have at least one of these issues. Many have all of them.
Hidden Fees Eroding Returns
Most 401k plans carry layers of fees that participants never see. We identify every cost and tell you whether it's justified.
Poor Investment Lineup
Many plans offer funds that are expensive, redundant, or simply not competitive. We evaluate every option in your menu against better alternatives.
Fiduciary Exposure
Plan sponsors have legal obligations they may not fully understand. We help you document your process and make defensible decisions.
Low Employee Participation
A great plan only works if employees use it. We identify design features and education gaps that may be holding participation back.
How It Works
A straightforward process with no surprises — and no pressure to buy anything at the end.
01
Plan Audit
We start with a thorough review of your existing plan — fees, fund lineup, participation rates, and plan design. You get a clear picture of where things stand today.
02
Benchmarking
We compare your plan against industry peers of similar size and type. This tells you whether you're paying too much, offering too little, or leaving value on the table.
03
Recommendations
You receive a written report with specific, prioritized recommendations — what to change, what to keep, and why. No vague suggestions, no upsells.
04
Implementation Support
We help you understand how to act on the recommendations and work with your existing plan provider or help you evaluate alternatives if a change is warranted.
What You Get
At the end of our engagement, you'll have a clear, written assessment of your plan and a prioritized action list — not a sales pitch.
- Written plan audit report with findings and analysis
- Fee benchmarking against comparable plans
- Investment menu scorecard
- Prioritized list of recommended changes
- Fiduciary documentation checklist
- Follow-up Q&A session to walk through findings
A Note on Fiduciary Duty
"As a plan sponsor, you are personally liable for the decisions made about your 401k plan. That's not a scare tactic — it's the law."
ERISA requires plan fiduciaries to act prudently and solely in the interest of plan participants. Getting an independent, documented review is one of the most defensible steps you can take. We help you build that record.
Ready to find out what your plan is really costing you?
Schedule a consultation and get an honest, independent assessment of your 401k plan.