The 4 Pillars of a Successful Retirement Plan
Building a retirement plan isn’t just about compliance — it’s about helping your people retire with confidence.
Here are the four pillars every growing company should have in place:
1. Trusted Plan Guidance
Helping You Make Clear, Confident Decisions
A retirement plan only works when you know how to manage it. That means having an expert partner who:
- Helps you understand your responsibilities
- Makes complex topics simple
- Offers ongoing strategy, not just a set-up and forget-it service
Think of this as your plan’s quarterback — someone who helps you call the right plays all year.
2. Provider Expertise
Your Vendors Matter More Than You Think
There’s no shortage of 401(k) providers. But choosing the right one — and managing them well — makes a huge difference.
- Are your fees competitive?
- Are service issues resolved quickly?
- Is reporting clear and accessible?
A good partner can save you time and reduce risk. A poor one can quietly cost your business — and your people — thousands.
3. Employee Education
Because Financial Literacy Drives Engagement
If employees don’t understand the plan, they won’t use it, which is a problem for everyone.
Good education includes:
- Clear explanations of how the plan works
- Real-world help with budgeting, saving, and investing
- Consistent, year-round communication (not just during open enrollment)
When employees feel informed, they feel valued.
4. Investment Support
Guidance for You and Your Team
Your people are counting on you to offer smart investment options. That starts with:
- A simple, well-structured fund menu
- Target-date funds that fit your workforce
- Ongoing support to review performance and make adjustments
Whether you’re new to plan oversight or reviewing for the tenth time, you deserve clear, unbiased input.
How’s your plan doing across these 4 pillars?
If you’d like to benchmark where you stand — or just talk through what “better” could look like — we’re here.
✅ Complimentary 401(k) plan review
✅ Provider evaluation checklist
✅ Q3/Q4 employee education calendar
