Customized Retirement Plans Built to Optimize Outcomes

Manufacturing companies are different than universities. Special education teachers are different than anesthesiologists. And every institution’s culture is unique. We take the time to learn how our clients define success for their retirement plan.

Once we know the target, we lean on our expertise to deliver the appropriate plan design – including automatic enrollment, higher minimum deferral rates, automatic deferral escalation, employer matching programs, and much more.

Once the Courageous Plan Design™ has been identified, our exclusive B3 Provider Analysis™ technology allows us to execute a thorough market analysis:

• To compare competitive proposals within a live-bid environment.
• To review and analyze 400-plus data points from 100-plus service provider platforms.
• To evaluate your plans, fees, services and investments.

Through our proprietary Scorecard System™, a proven approach to researching and evaluating fund managers and investment strategies, we’ll conduct an independent investment analysis of your portfolio. This easy-to-understand, 10-point scoring system tracks nearly $400 billion in retirement assets and evaluates 40,000-plus investment options across hundreds of provider platforms.

Our research team of analysts conducts hundreds of money manager meetings annually to give you the highest level of investment consulting possible.

Our access to select Collective Investment Trusts (CIT’s), as a low-cost alternative to traditional mutual funds, allows our clients to more effectively satisfy their fiduciary obligation of utilizing the most efficient investments for their participants.

According to the Department of Labor’s target-date fund (TDF) tip sheet, fiduciaries should follow certain processes in the selection of a TDF. While this is the fastest-growing investment option within most retirement plans (and often the default investment), we often find a lack of documented process for the selection, monitoring and replacement of the TDF.

Our in-depth TDF suitability process evaluates plan-specific assumptions, demographics and participant tendencies and compares off-the-shelf and custom plan options that match your needs.

Our role is to implement a fiduciary process that is both easy and effective to protect the plan fiduciaries. Our Fiduciary Fitness Program™ (FFP) implements best practices, including the FFP’s Fiduciary Plan Review™, Fiduciary Diagnostic™, and 20-plus fiduciary education and documentation modules to measure the health of your retirement plan and reduce fiduciary liability exposure.

Whether we are acting as 3(21) or 3(38) fiduciaries, our FFP delivers a process specifically designed to protect the fiduciaries of the plan with a best-in-class process.

Many (if not most) participants are confused by their retirement plan options. We leverage technology and one-on-one communication to work with your participants to achieve their retirement goals.

Our financial wellness platform, WellCents, gives your participants access to a holistic review of their financial situation while eliminating any extra burden on human resources. Click here for more information.