What We Do

Manage your plan right.
Protect yourself. Benefit yourself.

As a plan sponsor, you carry legal responsibility for your company’s 401(k). We serve as your co-fiduciary — helping you manage the plan correctly, protect yourself from liability, and maximize the plan’s benefit to you as the owner.

401(k) PLAN DASHBOARD   •   ACME MANUFACTURING LLC PLAN ASSETS $2.4M +18% YTD PARTICIPANTS 34 89% participation rate AVG EXPENSE RATIO 0.11% Industry avg: 0.78% FIDUCIARY STATUS Compliant Last review: Q4 2025 INVESTMENT LINEUP REVIEW Fund Category Expense 1-Yr Return Status Vanguard Total Market Idx US Equity 0.03% +23.4% ✓ Keep Vanguard Intl Stock Idx Intl Equity 0.07% +14.2% ✓ Keep American Funds Growth A Large Cap Growth 1.08% +18.1% ⚠ Review Vanguard Bond Index Fixed Income 0.04% +4.8% ✓ Keep FIDUCIARY ACTION ITEMS ✓ Fee benchmarking — Q1 ○ IPS annual review — due Feb ⚠ Replace 1 high-cost fund OWNER RETIREMENT BENEFIT (COMPARABILITY DESIGN) $68,500 Owner annual contribution $2,200 Avg employee contribution $22,800 Owner annual tax savings Fiduciary Co-fiduciary protection active
Two Problems We Solve

Most plan sponsors are exposed. Most plans aren’t optimized for the owner.

ERISA lawsuits against plan sponsors have increased dramatically in recent years — many targeting small and mid-sized companies for undocumented processes, undisclosed fees, and underperforming funds. The liability is real, and it falls on you personally.

At the same time, most business retirement plans are generic — set up to satisfy employees but not structured to maximize what the owner gets out of it. We fix both problems.

Co-fiduciary protection — we formally share fiduciary responsibility with you
Fee benchmarking — documented comparison of plan costs against market rates
Investment policy statement (IPS) — written, current, and followed
Quarterly investment review with meeting minutes for your records
Plan design optimization to maximize owner contributions relative to employee cost
Employee education and enrollment support to drive participation
Our Advisory Services

Full-service plan sponsor support, from fiduciary documentation to owner optimization.

Co-Fiduciary Services
As your 3(38) or 3(21) investment fiduciary, we formally share responsibility for investment decisions — reducing your personal liability and ensuring the plan meets ERISA standards for prudent management.
Investment Policy Statement
An IPS is the foundation of a defensible fiduciary process. We create, maintain, and ensure you’re following a current IPS — which is the first thing a DOL auditor will ask for.
Investment Lineup Review
Quarterly reviews of your plan’s investment options against benchmarks, with documented meeting minutes. We identify underperforming or high-cost funds and recommend replacements when warranted.
Fee Benchmarking
ERISA requires plan sponsors to ensure fees are reasonable. We benchmark your plan’s total cost against comparable plans annually and document the analysis — the evidence you need if you’re ever audited.
Owner Benefit Optimization
We design your plan using profit sharing, comparability testing, and Safe Harbor provisions to maximize what you can contribute as the owner — while keeping the required employee contribution as low as legally possible.
Employee Education & Enrollment
High employee participation rates improve your plan’s nondiscrimination test results — which allows you as the owner to contribute more. We provide enrollment meetings and ongoing education to drive participation.
$3.2M
average settlement in ERISA lawsuits against small-to-mid-sized plan sponsors in recent years
41%
of small business 401(k) plans are overpaying in fees based on national benchmarking data
$70K
maximum annual contribution available to you as the business owner when the plan is designed correctly
The Fiduciary Process

A documented, defensible process. Every quarter.

Fiduciary liability doesn’t come from bad outcomes — it comes from undocumented processes. We build the process and the paper trail.

1
Plan Audit & Benchmarking
We review your current plan’s fees, investment lineup, documentation, and design against ERISA requirements and market benchmarks.
2
IPS & Documentation
We establish or update your Investment Policy Statement and fiduciary documentation — the foundation of a defensible fiduciary process.
3
Quarterly Reviews
Formal quarterly investment reviews with meeting minutes. We monitor funds against their benchmarks and document every decision.
4
Annual Optimization
Each year we review plan design, contribution strategy, and fee benchmarking — and optimize your personal contribution to the legal maximum.
Related Services

Plan sponsor advisory connects to your broader financial picture.

Your 401(k) is both a fiduciary responsibility and your single most powerful personal retirement savings vehicle. We manage both sides.

Financial PlanningInvestment ManagementTax PlanningRetirement Plan DesignBusiness Owner PlanningPlan Sponsor Advisory

Is your plan protecting you — and working for you?

Most plan sponsors don't know if their fiduciary process is documented, their fees are competitive, or their plan is designed to maximize their personal benefit. Let's find out.

Schedule a Free Call → See Plan Sponsor Resources
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