For plan administrators

You don't have to run the 401(k) alone. That's what we're here for.

A retirement plan takes constant coordination - recordkeepers and payroll, compliance deadlines, and participants who need answers. We work alongside you on all of it: keeping the providers in sync, handling the questions as they come up, and making sure the plan runs the way it should for the people counting on it.

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3(21) plan fiduciary Fee-based
The vendors behind your plan
Recordkeeper
the platform
TPA
testing & filings
Custodian
holds the assets
Payroll
the deferral file

Four vendors, four systems, four sets of deadlines - and they don't always talk to each other. We're the one who does.

Where the work piles up

A plan has a dozen moving parts. Someone has to keep them in sync.

Each vendor owns its piece. Nobody owns the space in between - and that space is where your afternoon goes. These are the four that come up most, and the two things that make them go away.

Nobody owns the handoffs
The recordkeeper points at the TPA, the TPA points at payroll, and you end up as the switchboard. Most of the time the issue is small - it just needed someone to pick it up.
Payroll files that won't tie out
A deferral change that didn't sync, a loan repayment posted to the wrong bucket, a census that doesn't match. Small breaks, but they surface at the worst time - usually at year end.
Questions that belong with an advisor
"Should I be in the target date fund?" "Can I take a loan?" Those are ours to field - your employees bring them to us, so they don't land on your desk.
People who never got started
Employees who never enrolled, never raised their deferral, or never picked an investment. The plan works for the people in it - and quiet non-participation is easy to miss.
One point of contact
We sit between you and the providers. Recordkeeper, TPA, custodian - we make the calls, chase the answers, and tell you when something needs you. That's the point.
A plan people actually use
On-site and virtual education, enrollment support, and one-on-one time for anyone who wants it. We track participation and deferral rates and tell you honestly where they stand.
What we do

The plan stays yours. The work doesn't have to be.

You still own the plan. But you shouldn't have to run it by yourself, chase five vendors, or field the questions that belong with an advisor. Here's what we pick up.

01 / Coordination
Provider coordination
Recordkeeper, TPA, custodian, payroll - we deal with them so you don't. When something breaks between two vendors, we're the one who chases it down.
02 / People
Employee education
Group sessions and one-on-one time, on site or virtual, in plain language. When an employee has a question about their money, we are the ones who answer it.
03 / Enrollment
Enrollment & participation
New-hire onboarding, re-enrollment pushes, and honest reporting on where participation and deferral rates actually sit - not just whether the plan is technically open.
04 / Operations
Day-to-day operations
Deferral changes, loans, distributions, census and payroll reconciliation. We help the routine stay routine, and flag the things that need your attention early.
05 / Investments
Investments & cost
We monitor the lineup and benchmark total plan cost on a set schedule, and bring you the write-up. You get the summary; we do the work behind it.
06 / Support
Someone who knows your plan
The same point of contact every time - someone who remembers your provisions, your payroll quirks, and your people.
What a review covers

Thirty minutes is enough to see how it's running.

An initial conversation shows where the plan is working and where it's quietly costing your people. Here's what we look at.

People
Participation - who is in the plan, and who never got started?
Deferral rates - are people saving enough to actually retire on it?
Education - when did anyone last sit down with your employees?
Investments
Menu quality - are your funds keeping pace with their benchmarks?
Expense ratios - are you paying institutional or retail pricing?
Investment policy - does a current statement actually exist?
Fees
Total plan cost - recordkeeper, investment, and advisor fees combined.
Benchmarking - how do your costs compare to similar plans?
Revenue sharing - is anyone being paid in ways you can't see?
Compliance
Review records - is the fiduciary process documented?
Vendor agreements - are contracts current and reviewed?
Participant notices - are required disclosures going out on time?
Not sure where your plan stands?
Take the 8-question plan health scorecard. Three minutes, and it surfaces the areas most worth addressing.
See where it stands
Start here

See how much easier your plan could run.

A 30-minute review is enough to see where your plan stands, where it could run smoother, and what a better-built one would mean for you and your employees.

Book a 30-minute plan review

No paperwork. No commitment. Just a straightforward look at how your plan is running.