Employer Sponsored Retirement Plan

If you sponsor a retirement plan, you already know it can feel like a maze of rules, responsibilities, and risks. My role is to simplify that and build a 401(k) program that actually works - for you and for your employees. I begin by listening: What kind of workforce do you have? What are your goals for the plan - attraction, retention, leadership benefits, or all of the above? With that context, I design a custom 401(k) structure that fits your business, not a one‑size‑fits‑all template.

Plan design covers the nuts and bolts: eligibility, vesting schedules, employer match formulas, automatic enrollment, and investment lineups. I help you weigh the trade‑offs so the plan is competitive and fair, while still manageable from a cost and administration standpoint. As a fiduciary consultant, I walk you through your responsibilities as a plan sponsor in plain language. Together, we set up a process for documenting decisions, reviewing investments, and monitoring service providers. The goal is simple: help you meet your obligations, reduce unnecessary risk, and sleep better at night knowing you are running a prudent plan.

Ongoing management includes regular reviews of participation rates, contribution patterns, and investment performance. I suggest adjustments to keep the plan aligned with changing regulations, markets, and workforce needs. When needed, I coordinate with recordkeepers and third‑party administrators so you are not left playing middle‑man. I also focus on employee understanding. Clear communication and education help your team see the plan as a real benefit, not just another form they filled out on day one. In short, I act as your go‑to guide for employer retirement plans, helping you build and maintain a thoughtful 401(k) that supports your people, protects your business, and reflects the values you want your company to stand for.