Establishing a 401(k) retirement plan can benefit both employees and employers alike. 

Employees benefit from the ability to make pre-tax contributions, potential income tax savings, increased savings with employer-matched contributions, and more. 

As a business owner, not only are you helping your employees save for retirement, a 401(k) may have a favorable impact on your bottom line. In addition to offering a benefit that can increase employee retention, an employer-matched contribution plan allows the employer to take a tax deduction on the dollars matched, lowering the company’s overall tax bill. Furthermore, the compounding of interest, dividends, and capital gains allows your account to generate earnings on top of earnings. 

Now, establishing such a plan is easier than ever. Utilizing key partners and technology, we are able to offer small to midsized companies a simple, single-fee, customizable 401(k) plan. 

Our 401(k) Micro Model will provide you with: 

High Quality Investment Choices 

• A dedicated, unbiased investment team designed to source high quality investment choices 
• A careful, ongoing monitoring process that reviews every fund’s performance and expenses to ensure maximum value 
• A two-tiered menu of investment choices for you and your employees 

Consultation, Implementation & Administration of the plan

• Consultation on plan design and procedures 
• Provide and assist with key plan documents and regulatory reporting 
• Assist with ERISA Fidelity bond, & ERISA Section 404(c) compliance 
• Documentation of the fiduciary decision making and review process 
• Third party administrator and record keeper service included 

Plan Participant Education

• Provide annual employee investment education and retirement planning meetings 
• Demonstrate website and online education materials 
• Meet with your management team to discuss any new developments or employee feedback 
• Fully electronic access for plan sponsor and participants, including participant mobile access 

Fiduciary Guidance & Consultation

• Providing ongoing oversight and consultation on plan administration 
• Creation and execution of a plan specific investment policy statement 
• Offering 3(38) Fiduciary Service for the selection, monitoring and due diligence of the plan’s investment choices 
• Efficient and accurate plan reporting that includes; fee disclosures, plan expenses and performance 

If you are considering offering a retirement plan to your employees, please give us a call at (585) 419-0670.