For business owners
You may be a 401(k) fiduciary. Without knowing it.
If you sponsor a retirement plan for your employees, ERISA holds you to a fiduciary standard — whether you signed up for that role or not. We take that responsibility off your desk.
3(21) vs 3(38)
Two ways we can serve as your plan's fiduciary.
ERISA §3(21)
Co-fiduciary
We recommend the investment lineup. You retain final discretion and share fiduciary responsibility.
ERISA §3(38)
Investment manager
We take full discretion — and full fiduciary responsibility — for selecting and monitoring the investments.
For your employees
On-site education that actually moves enrollment.
We meet with your team, in plain language, about what the plan is and how to use it. Most plan advisors hand over a packet. We show up.
Questions to ask your current advisor
A short checklist. The answers tell you everything.
- 01Are you a fiduciary on this plan in writing? §3(21) or §3(38)?
- 02Does your firm or anyone affiliated receive revenue sharing from the funds in our lineup?
- 03When did you last benchmark our recordkeeping fees against the market?
- 04How are participants invested by default, and was that default reviewed in the last 12 months?
- 05What documentation exists for our investment policy statement?
- 06If we were audited tomorrow, what would you hand the auditor?
Next step
Request a no-obligation plan review.
We will benchmark your current plan against the market and identify what your sponsors should know.