Clear answers to common questions about 401(k) fiduciary services, plan costs, CEFEX certification, and how we work with businesses in California and across the United States.
A 3(21) fiduciary provides investment advice but the plan sponsor retains final decision-making authority. A 3(38) fiduciary takes full discretionary control over the investment lineup, which transfers more liability away from the plan sponsor.
No. While we are based in Santa Clarita, we work with businesses throughout California and across the United States.
CEFEX is an independent organization that certifies firms for fiduciary excellence. Our tool suite and 12-point investment monitoring process have been independently assessed and certified.
Fees depend on plan size and the level of fiduciary service (3(21) vs 3(38)). We start with a free comprehensive analysis so you can see the potential savings and improvements before making any commitment.
The free analysis typically includes a review of plan fees, investment options, fiduciary process documentation, and opportunities to improve employee engagement. You’ll receive clear findings and recommendations with no obligation.
Yes. We have a strong focus on employee education. Our workshops and enrollment meetings are designed to make complex topics clear, practical, and engaging so employees can make better decisions about their retirement.
Most clients begin with a free consultation, followed by a plan review. If you decide to move forward, the transition process is typically straightforward and we guide you through each step.
We provide fiduciary services under ERISA 3(21) and 3(38). Our recommendations are designed to serve the best interests of the plan and its participants. We are transparent about how we are compensated.
Yes. Each year we conduct a 401(k) Plan Health Review together. We look at plan performance, fees, fiduciary processes, and employee engagement, then measure progress against the goals we set. This keeps the plan on track and gives you clear documentation of the work being done.
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