401(k) and Employer-Sponsored Retirement Plan Services in Rochester, NY
A retirement plan your employees value and you can stand behind.
Independent advice for businesses and non-profits on 401(k), 403(b), SIMPLE, SEP, and defined benefit plans.
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Employer-Sponsored / 401(k) PlansIs Your Company’s Retirement Plan Pulling Its Weight?
You are busy running the business, and retirement plans drift when nobody is watching them. Costs creep upward and investment menus go stale, and the documents fall out of date while your legal responsibility as the plan’s sponsor stays right where it was. Our review starts with an analysis of your existing plan, comparing its costs against the market and checking whether the safeguards match your responsibilities, including whether an advisor shares fiduciary duty with you in writing. Where changes make sense, we run a structured vendor analysis for record-keeper selection and stay on for ongoing investment monitoring and due diligence.
A plan only works if people use it well. We educate employees the way your workforce prefers: group presentations in person or by webinar, one-on-one meetings for the questions people will not ask in a room, and online tools and newsletters in between. For companies with multiple locations, we work with partners across the country so every site gets the same attention. It is the same principle we bring to every client: people make better decisions about money they understand.
See how your company plan compares. It’s complimentary.
Request an Independent Plan Review →Request an Independent Plan Analysis
Tell us about your current plan and we’ll review it independently, then walk you and your committee through what we find. The review is complimentary and carries no obligation.
For Plan Sponsors and Committees
Practical reads on costs, fiduciary duties, and getting employees to use the benefit you pay for.
Employer Plan Questions
An independent plan advisor checks whether your fiduciary coverage still fits, analyzes the plan and its costs against the market, and takes on the ongoing work of record-keeper oversight, investment monitoring, and employee education.
By comparing them against the market, which is the first thing our plan analysis does. Costs drift upward over years of inattention, and a current market comparison shows exactly where your plan stands.
They are two levels of responsibility an advisor can take on in writing: a 3(21) advisor gives recommendations while you keep final say, and a 3(38) advisor takes discretion over the investment menu. We help you understand which arrangement your plan has and whether it still fits.
Yes. We advise businesses and non-profits across plan types, including 401(k), 403(b), SIMPLE, SEP, and defined benefit plans, and we scale the service to the size of the organization.
Yes. We run group sessions live or by webinar and meet one-on-one with employees who want help with their own decisions, in whatever mix suits your workplace.
An Independent Look at Your Company’s Plan
A complimentary plan conversation can tell you whether your costs, coverage, and investment menu still serve the people relying on them.
Request a Complimentary Call →Prefer to talk now? Call (585) 337-4000