How it works
A fee review first
We don't start with a pitch deck. We start with what you're paying today, because if we can't beat it, there's no reason to keep talking.
The process
Three steps, and you can stop after the first
Fee review
Send us your current plan documents and fee disclosure. We break down what you and your employees actually pay — plan administration, and the expense ratios buried inside the investments where most of the cost hides — and show you the comparison in writing.
Plan design
We design the plan around your census: who's on payroll, how they're paid, what you want the match to do, and how much the owners want to defer. Then we handle setup, documents, and payroll integration end to end.
Launch & ongoing
Employees enroll from their phone in minutes. We run compliance testing, filings, and annual reviews, and we sit with your employees whenever they have questions about their own account.
Plan types
The right structure depends on your payroll
We recommend the combination that fits your size, your payroll, and how much the owners want to set aside. These are the building blocks.
Traditional 401(k)
The default. Employees defer from each paycheck, you choose whether and how to match. Flexible, familiar, and subject to annual nondiscrimination testing.
Safe Harbor 401(k)
A required employer contribution in exchange for skipping most annual testing. Common when owners and higher earners want to max out without testing limits getting in the way.
Profit sharing
A discretionary employer contribution layered on top, decided year by year. Useful when profits vary and you want to reward a good year without committing to it permanently.
Cash balance
A defined-benefit plan paired with the 401(k), for owners who want to defer well beyond the 401(k) limit. Best suited to consistently profitable businesses with a stable census.
Switching providers
The transition is our job, not yours
Changing recordkeepers sounds like a project because most providers make it one. We map the transition, coordinate with your current recordkeeper and your payroll system, and handle the paperwork.
Your employees see continuity: balances move, contributions keep flowing, and the app they enroll in is better than the portal they left. Most of the work happens without anyone in your office touching it.
Start with the fee review.
Send your current plan documents. We'll come back with a written comparison and tell you honestly whether we can beat what you have.