Retirement Plan Solutions for Plan Sponsors

Offering a retirement plan is one of the most impactful benefits you can provide—but it also comes with responsibility.

We help you design, manage, and optimize plans that work for your business and your employees.

Why Plan Sponsorship Matters

As a plan sponsor, you're not just offering a benefit. You're operating under a fiduciary standard that requires oversight, due diligence, and ongoing monitoring. This responsibility can feel overwhelming—but it doesn't have to.

We help simplify that responsibility while improving outcomes for both you and your employees.

What We Do for Plan Sponsors

We work with business owners, HR leaders, and committees to design, manage, and optimize retirement plans. Our role is to help you:

  • Reduce fiduciary risk
  • Improve plan performance
  • Control costs and fees
  • Increase employee participation and outcomes
  • Stay compliant with evolving regulations

This isn't just about checking a box—it's about running a better plan.

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Plan Types & Strategies We Support

We don't just "set up plans"—we help you structure them strategically based on your business goals, tax situation, and workforce.

401(k) Plans (Traditional & Roth)

The most flexible and widely used employer-sponsored plan. We help design:

  • Traditional pre-tax and Roth 401(k) options
  • Safe Harbor plans to simplify compliance testing
  • Profit-sharing components to maximize contributions
  • Vesting schedules aligned with retention goals

Best for: Businesses that want flexibility, scalability, and employee engagement.

SIMPLE IRA Plans

A streamlined option for smaller businesses looking for ease and predictability.

  • Lower administrative requirements
  • Mandatory employer contributions
  • Limited customization compared to 401(k)s

Best for: Small teams prioritizing simplicity over flexibility.

SEP IRA Plans

A contribution-focused plan primarily for owners and small businesses.

  • Employer-only contributions
  • Flexible contribution levels year to year
  • Minimal administrative burden

Best for: Self-employed individuals or businesses with few employees.

Cash Balance Plans (Advanced Strategy)

A powerful tool for high-income business owners looking to accelerate retirement savings.

  • Significantly higher contribution limits than traditional plans
  • Tax-deductible contributions
  • Often paired with a 401(k) for maximum impact

Best for: Owners and professionals with strong, consistent cash flow.

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Advanced Contribution & Roth Strategies

This is where thoughtful plan design creates real leverage.

Roth Contributions (Across Plans)

Many plans can incorporate Roth features, allowing participants to:

  • Contribute after-tax dollars
  • Grow assets tax-free
  • Withdraw tax-free in retirement (if qualified)

Why it matters: Adds tax diversification and long-term planning flexibility.

Backdoor Roth IRA Strategy

For high-income individuals who exceed Roth IRA income limits.

  • Contribute to a non-deductible IRA
  • Convert to a Roth IRA

Key consideration: Requires careful coordination to avoid unintended tax consequences (pro-rata rule).

Mega Backdoor Roth (Within 401(k) Plans)

One of the most underutilized strategies available.

  • Allows for after-tax contributions beyond standard limits
  • Converts those contributions into Roth (inside the plan or via rollover)
  • Can dramatically increase tax-free retirement assets

Requires:

  • Proper 401(k) plan design
  • After-tax contribution feature
  • In-service distribution or in-plan conversion capability

Best for: High-income earners and owners looking to maximize tax-advantaged savings.

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The Hidden Risks Plan Sponsors Face

Many plans are set up once—and then left on autopilot. That's where problems develop.

Common issues include:

  • Excessive or hidden fees
  • Outdated or underperforming investment menus
  • Lack of documented fiduciary process
  • Poor employee engagement
  • Compliance gaps

Without proper oversight, these can create both financial inefficiencies and legal exposure.

The Bottom Line

The type of plan you choose—and how it's structured—can have a significant impact on taxes, employee outcomes, and long-term wealth building. We help ensure your plan isn't just compliant—but strategically optimized.

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Our Process

We bring structure and clarity to plan management.

1Plan Review & Benchmarking

We analyze:

  • Fees (recordkeeping, investments, advisory)
  • Investment lineup quality
  • Plan design effectiveness

2Fiduciary Support

We help you establish and maintain a prudent process:

  • Investment selection and monitoring
  • Committee support and documentation
  • Ongoing due diligence

3Plan Design Optimization

We align your plan with your goals:

  • Maximize owner contributions
  • Improve employee outcomes
  • Balance cost vs. benefit

4Employee Education & Engagement

A better plan only works if employees use it. We provide:

  • Enrollment support
  • Ongoing education
  • Simple, clear communication

Why This Matters

A well-structured retirement plan can:

  • Help you attract and retain talent
  • Improve employee financial wellness
  • Create significant tax advantages
  • Strengthen your overall business strategy

A poorly managed plan can have the opposite effect.

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When Should You Review Your Plan?

You should consider a plan review if:

  • Your plan hasn't been evaluated in 2+ years
  • You're unsure what your total fees are
  • Participation rates are low
  • You've received limited proactive guidance
  • Your business has grown or changed

Let's Improve Your Plan

Whether you're setting up a new plan or reviewing an existing one, the goal is the same: Build a plan that works—for you and your employees.

We'll help you understand where you are, identify opportunities, and implement improvements with a clear, structured approach.

A retirement plan should be an asset to your business—not a liability. If you're not confident in your current plan, or you simply want a second opinion, we can help.

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