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Fiduciary Services

Are your plan decisions supported by objective guidance—or influenced by product recommendations? 
 
Working with an independent retirement plan advisor provides oversight focused on plan effectiveness—not product selection. 
 
True clarity comes from oversight that is both structured and responsive—not limited to periodic reviews. 
 
We support plan sponsors through: 

• Ongoing monitoring of investments and fees 
• Evaluation of participant engagement and plan effectiveness 
• Early identification of fiduciary risks 
• Clear, well-documented decision support 
• Timely, ad hoc guidance as needs arise
  

The objective is clarity and confidence—knowing your plan is aligned with its purpose and responsibilities. 

Unreviewed plan fees can create unnecessary risk. 
 
One of the most common issues uncovered during plan reviews is fee structures that have not been benchmarked in years. Over time, this can reduce participant outcomes and increase fiduciary exposure. 

Fee benchmarking helps: 

• Improve participant outcomes 
• Reduce unnecessary plan expenses 
• Strengthen fiduciary documentation 
• Demonstrate procedural prudence 
  

Is your participant education actually influencing behavior? 
 
Many plans offer education—but the real question is whether it’s driving measurable improvement. 
 
Common warning signs: 

• Low participation or deferral rates 
• Participants not capturing the full employer match 
• Overuse of conservative or capital preservation options 
• Limited engagement with plan tools and resources 
  

Education that exists but does not lead to better decisions does little to improve outcomes—and may increase fiduciary exposure. 

A structured review helps determine whether your program: 

• Reaches employees consistently 
• Resonates with your workforce 
• Supports better savings and investment behavior 
•  Aligns with fiduciary expectations 

Do you know whether your advisor is legally required to act in your employees’ best interest? 
 
Not all advisors operate under the same standard. Some are only required to recommend suitable options—not necessarily those in the best interest of the plan and its participants. 
 
A fiduciary advisor is held to a higher standard—one that requires decisions to be made solely in the interest of the plan.

3(21) Co-Fiduciary Services 
 
We provide investment recommendations and ongoing guidance while you retain final decision-making authority. 

• Shared fiduciary responsibility 
• Ongoing advisory support 
• Structured decision-making process 

Even well-managed plans benefit from periodic review—especially during key moments: 

• Changes in advisor or recordkeeper 
• Growth in plan assets or complexity 
• Fee or service concerns 
• Low participant engagement 
• Organizational changes

If it’s been several years since a comprehensive review, what might you be missing?

When was the last time your plan was reviewed by an independent third party? 
 
An objective perspective can either confirm you’re on track—or identify opportunities for improvement. 

• Independent, objective guidance 
• Structured and well-documented processes 
• Ongoing and responsive support 
• Alignment with organizational goals 

Clarity. Accountability. Progress. 

A focused, structured process: 

• Understanding your plan and priorities 
• Reviewing key data and plan components 
• Delivering clear insights and recommendations 
• Providing ongoing support as needs evolve