The Federal law governing private-sector retirement plans, the Employee Retirement Income Security Act (ERISA), requires that those responsible for managing retirement plans -- referred to as fiduciaries -- carry out their responsibilities prudently and solely in the interest of the plan’s participants and beneficiaries.  Among other duties, fiduciaries have a responsibility to ensure that
​the services provided to their plan are necessary and that the cost of those services is reasonable. With a current 408(b)2 fee disclosure statement, we can assist you  with this service.
                                                                                      

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Sample Expense Comparison

Another important component in helping an employer evaluate their current plan offering is to provide an investment monitoring report.  This tool is important in determining investment expenses and the relative performance of each participant option.  In a vast majority of existing plans in the small employer marketplace, the employer assumes legal responsibility for the investment menu.  In addition to the lack of a formal Investment Policy Statement, the employer does not have a quarterly performance report to help them monitor and replace under performing investments. 

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Sample Plan Analysis