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Pension & 401(k)

Data-Driven Insights for 401(k) & Pension Plan Sponsors.

Learn more about 3(38) & 3(21) fiduciary services for retirement plans.
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What makes us different?

Fiduciary
Independent
Analytics
Open Architecture
Expertise

We serve as an ERISA 3(21) or 3(38) fiduciary

Hiring a 3(21) or 3(38) investment fiduciary, a plan administrator can share his or her fiduciary responsibilities. Hiring the services of a professional helps the plan administrator demonstrate that he or she is meeting the fiduciary responsibilities set by the U.S. Department of Labor and acting in the interest of plan participants.
A 3(21) investment advisor is a co-fiduciary and can provide investment recommendations, but he or she has to wait for approval from the client to execute those investments.
A 3(38) investment manager is able to make investment decisions on behalf of the client.

Proudly Independent.

While we work alongside custodial and record-keeping firms like Fidelity and Vanguard, we don't work for them.
No conflicts of interest.
No proprietary funds to sell.
Independent and unbiased advice on plan investments.

Analytics-Driven Research

We leverage analytics for screening, monitoring and recommending investment options for your plan.
We use data to measure, monitor, and benchmark manager performance.
Plan monitoring automatically tracks compliance with your Investment Policy Statement

Your pick of managers and share classes.

We believe in true open architecture in terms of menu development, let the best man(ager) win.
Pick from the wide universe of fund families.
Pick from the best available share class.
No manager is the best in ever asset class. Never again use a full proprietary menu.

In-House vs. Outsource

Most plan sponsors don't have the expertise to navigate the numerous rules, regulations and standards of the Employee Retirement Income Security Act (ERISA) in-house. Others want to mitigate fiduciary liability for the committee members and sponsor.

You can count on our experienced team to help, either by outsourcing as a 3(38), being co-fiduciaries as a 3(21), or simply in a consulting capacity.
WHAT WE DO

Working behind the scenes...

powering analytics-driven investment insights and strategies for plan sponsors, financial institutions, and investors.
We partner with:
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Your 401(k) & Pension Partner

Learn about how we help plan sponsors meet their obligations.
Funds
Providers
Participants
Risk
Fees
FUND MENU

Optimizing Fund Menus

A critical component to an effective retirement plan program is an optimized fund menu. Our team of experienced investment advisors leverages analytics to research, select, and monitor your funds and managers.
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PROVIDER SELECTION

Selecting Custodians & Recordkeepers

Let our experienced team guide your committee on provider selection. We conduct an RFP on your behalf, giving you the information you need to select providers who will give your employees the best experience and mitigate unnecessary costs.
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PARTICIPANT RESOURCES

Employee Guidance

Your employees need support to maximize the value of your retirement plan program. We help participants by offering on-site education, customized individual allocations, and one-on-one retirement plans.
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RISK 

Plan Sponsor Risk

Many plan sponsors and committee members to recognize the amount of risk associated with managing a retirement plan. We help mitigate this risk by performing critical annual tasks like fund due diligence, and provider reviews. We also mitigate risk further by serving as a 3(38) or 3(21) fiduciary for some plans.
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FEES

Reducing Plan Costs

Reducing plan costs is critical for the health of company retirement plans and successful participant outcomes. Our team helps by offering outsourced RFPs, fund menu selection, and fee negotiation.
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