401(k) & Retirement Plans

Corporate Retirement Solutions

Customized 401(k) plans designed for employer success.

401(k) & 403(b) Plan Design

Tailored plan architectures including Safe Harbor, auto-enrollment, profit-sharing, and Roth provisions to maximize tax efficiency.

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3(21) & 3(38) Fiduciary Services

Prudent fund lineup selection, continuous performance monitoring, and Investment Policy Statements to protect plan fiduciaries.

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ERISA & Testing Compliance

Comprehensive oversight for nondiscrimination testing (ADP/ACP), Form 5500 filings, and fee benchmarking disclosures (408(b)(2)).

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Participant Education & Financial Wellness

Employee Financial Wellness

Engaging education seminars, individual retirement consultations, and digital tools to boost workforce participation rates.

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Cash Balance & Executive Plans

Pair defined benefit cash balance plans with 401(k)s to significantly increase pre-tax contributions for owners and executives.

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Frequently asked questions

Everything you need to know about 401(k) plans.

Find answers to common questions about setting up, administering, and optimizing corporate retirement plans for your business and employees.

A 3(21) fiduciary acts as a co-fiduciary advisor providing professional recommendations on fund lineups and plan strategy, while the plan sponsor retains final decision authority. A 3(38) investment manager assumes full discretionary authority and responsibility for selecting, monitoring, and replacing plan investments, relieving the employer of substantial investment liability.

A Safe Harbor 401(k) plan automatically satisfies annual IRS nondiscrimination tests (ADP, ACP, and Top-Heavy tests) in exchange for required employer contributions. This allows business owners and highly compensated employees (HCEs) to maximize their personal annual contributions without testing limitations or refund risks.

We provide rigorous fiduciary governance, assist in drafting and maintaining an Investment Policy Statement (IPS), conduct periodic fee and service provider benchmarking, review Form 5500 filings, and ensure strict adherence to ERISA and Department of Labor guidelines to protect your company from regulatory penalties.

Yes. Pairing a Cash Balance Defined Benefit plan with a 401(k) profit-sharing plan is a powerful strategy that allows business owners and key executives to significantly exceed standard 401(k) contribution limits—often contributing $100,000 to $300,000+ annually in pre-tax savings.

We implement modern behavioral finance features like auto-enrollment and auto-escalation, alongside tailored financial education workshops, digital planning resources, and individual retirement consultations to ensure your workforce is engaged and on track for retirement.

Costs typically include recordkeeping, administration (TPA), investment management, and advisory fees. We conduct thorough fee transparency audits (408(b)(2) disclosures) to eliminate hidden layers of fees, negotiate institutional pricing, and design a cost-efficient plan for both employer and participants.