Defined Contribution Plan Consulting

Retirement plan sponsors demand and should expect unbiased, reliable advice and guidance. Yet, most 401(k) plans today are outdated, costly, ineffective and may retain providers with conflicts of interest. 

Investors Financial Group has the experience and business structure to be able to offer plan sponsors access to a new level of investment choice, plan design and service. Independent, professional advice is the hallmark of our approach.

Because our fees are paid only by the client, there is complete transparency. Unlike brokerage firms, fund companies and insurance companies, we accept ERISA co-fiduciary status as it relates to the investments in your plan.

We help to coordinate all activities between the plan custodian and the third party administrator.

Investment Policy Statement - We will review and/or assist in the development of an Investment Policy Statement for the Plan, including the formulation of asset allocation guidelines for the Plan.

Plan Evaluation Services - We will assist clients with the evaluation and selection of various plan providers. This may include third-party administrators, custodians, trust companies or “bundled” service providers.

Investment Evaluation and Review - We will assist in the evaluation, selection and review of fund investments offered by the Plan. This will include the periodic analysis and reporting of the performance of specific funds or managers offered to plan participants.

Due Diligence Review - Upon request from Client, we will provide our clients with periodic due diligence reviews of the Plan and the Plan’s investment options.

Even with the best plan design and options, we understand that most plan participants do not have the expertise or time to fully take advantage of the features and benefits of their 401(k) plan. A recent study indicated that the average plan participant reacts emotionally to market changes, rather than following a disciplined approach.

Effective education and planning for every participant is essential. Rather than assign junior or non-investment staff to this very important function, our team of tenured investment professionals will deliver participant education and communication directly to your plan participants.