Your 401(k) Should Work as Hard as Your People Do.
Most company retirement plans are set up once and forgotten. We manage them the way they were meant to be — proactively, compliantly, and with your employees' outcomes at the center.
Watch: Why Most Company 401(k) Plans Are Leaving Money on the Table
The Quiet Risks Hiding
in Your Current Plan
The Problem
You hired your last 401(k) provider and moved on. That's exactly what they counted on. Here's what's likely happening while no one's watching.
⚖️You're Carrying Fiduciary Risk You Don't Know About
As a plan sponsor, you and your leadership team are personally liable for investment selection, fee reasonableness, and participant outcomes. Most executives don't realize the exposure until it's too late.
📉 Low Participation Hurts Your HCE Contributions
If your rank-and-file employees aren't participating, your ADP/ACP testing fails — and your executives' contributions get clawed back. The plan stops working as a competitive benefit and a tax strategy at the same time.
💸Hidden Fees Are Quietly Eroding Employee Balances
As a plan sponsor, you and your leadership team are personally liable for investment selection, fee reasonableness, and participant outcomes. Most executives don't realize the exposure until it's too late.
🤝Your Provider Isn't Really in Your Corner
Most bundled recordkeepers have a conflict of interest: they earn more when employees choose their proprietary funds. A true fiduciary advisor (one with no revenue-sharing arrangements) is the one required to act in your participants' best interest.
📋Compliance Deadlines Are Easy to Miss
Form 5500 filings, nondiscrimination testing, required minimum distribution notices, SECURE 2.0 amendments — the regulatory calendar is unforgiving. One missed deadline or failed test can trigger IRS penalties and DOL audits.
🏆The Plan Isn't Helping You Win Talent
Top candidates in Pennsylvania and New Jersey compare benefits packages. A generic, underdifferentiated 401(k) sends the wrong signal. A well-structured plan with employer match, Roth options, and financial wellness resources tells talent you're serious about their future.
How It Works
From Assessment to
Ongoing Partnership
1.) Free Plan Assessment
We review your current plan documents, fee disclosures, and investment lineup — no cost, no commitment. You'll see exactly where you stand.
2.) Custom Proposal
We present a clear proposal outlining our fees, our services, and the specific improvements we'd make to your plan design and governance structure.
3.) Seamless Transition
We manage the full transition — coordinating with your recordkeeper, TPA, and payroll provider so there's no disruption to you or your employees.
4.) Ongoing Oversight
Quarterly investment reviews, annual plan design assessments, participant education, and real-time regulatory monitoring — year after year.
"We don't just select funds and disappear.
We run your plan like your employees' financial outcomes depend on it… because they do."
Where We Add Value
A CFP® Running Your Plan.
We act as your ERISA 3(38) investment fiduciary by taking discretionary authority over plan investments, lifting liability off your plate, and managing every detail so you can run your business.
🛡️ Fiduciary Shield for Your Leadership Team
As your 3(38) investment manager, we assume discretionary fiduciary responsibility for the investment lineup — removing the most significant personal liability risk from your officers and board members.
📈 Investment Menu Design & Monitoring
A thoughtfully constructed fund lineup — with clear tiers, a qualified default, and regular performance reviews — produces better participant outcomes and passes DOL scrutiny. We document every decision for your protection.
🔍 Annual Fee Benchmarking
We benchmark your plan's total cost against comparable plans annually. If fees aren't competitive, we negotiate on your behalf or source alternatives — fulfilling your obligation to monitor reasonableness.
🎓 Employee Financial Wellness & Enrollment
Higher participation rates protect your HCE contributions. We conduct enrollment meetings, provide financial education resources, and work with employees one-on-one to drive meaningful plan engagement.
📅 Proactive Compliance Calendar
We track every deadline: Form 5500, nondiscrimination testing, required notices, SECURE 2.0 and future legislative changes. Nothing falls through the cracks — you're never caught off guard by a compliance issue.
💼 Executive Retirement Plan Design
For business owners and key executives, we layer in Cash Balance Plans, NQDC arrangements, and backdoor Roth strategies to dramatically increase tax-deferred savings beyond the 401(k) limit.