We advise organizations across a range of retirement plan structures, including traditional 401(k) plans, Safe Harbor 401(k)s, Roth 401(k)s, profit sharing plans, owner-only and solo 401(k)s, SEP IRAs, SIMPLE IRAs, cash balance plans, 403(b) plans, and 457 plans. We also advise organizations considering Pooled Employer Plans (PEPs).

The right structure depends on the organization, its workforce, ownership, compensation, and benefit objectives. We help evaluate options ranging from traditional and Safe Harbor 401(k)s to profit sharing and cash balance plans, including how different structures may affect contributions, participation, costs, and highly compensated employees.

We evaluate the fees paid by both the organization and participants and compare them with relevant market benchmarks. The goal is not simply to find the lowest-cost option, but to determine whether fees are reasonable for the services, investment options, and support the plan receives.

We use a documented process to review investments across factors such as performance, risk, fees, management, and consistency with their intended role in the plan. This helps sponsors identify investments that warrant additional review and maintain a lineup designed to give participants appropriate choices without unnecessary complexity.

Yes. Participant education is an important part of our work. We help employees understand topics such as contribution rates, investment choices, diversification, retirement income needs, and how their 401(k) fits within their broader financial picture.

Plan changes should be considered in the context of the organization's goals, workforce, costs, administrative requirements, and existing benefit structure. We help sponsors evaluate those tradeoffs, model potential changes, and coordinate with recordkeepers, administrators, and other professionals before implementation.