Custom 401(k) Solutions
We specialize in providing small businesses top-notch 401(k) plan management. With our expertise in retirement planning, investment management, and compliance with the IRS and Department of Labor, we can help you navigate the complex world of employee benefits and ensure your 401(k) plan is a resounding success.
Compliance and Regulatory Knowledge
Ensure Compliance, Minimize Risks: We understand the importance of complying with the ever-changing regulatory landscape. Our team of experts stays up-to-date with the latest laws and regulations, ensuring that your 401(k) plan is always in full compliance. With us by your side, you can minimize risks and focus on growing your business with peace of mind.
Plan Design and Customization
Tailored Solutions for Your Business: We recognize that every business is unique. Our experienced planners work closely with you to design a 401(k) plan that aligns perfectly with your goals and objectives. From contribution options to vesting schedules and investment choices, we customize the plan to meet your specific needs, fostering employee satisfaction and retention.
Investment Options and Performance
Diverse, High-Performing Investments: Empower your employees with a range of exceptional investment options. Our carefully curated selection includes top-performing, low-cost funds, ensuring that your employees have access to quality investments for their retirement savings. With our proven track record of delivering solid investment performance, we help your employees achieve their long-term financial goals.
Cost-Effectiveness
Value and Affordability: We understand that managing costs is crucial for small businesses. That's why we offer competitive fee structures that provide exceptional value for our services. Our transparent pricing ensures that you receive the highest level of expertise and support without breaking the bank. Invest in your employees' futures while staying financially prudent.
Employee Education and Communication
Empower Your Workforce: Knowledge is power, and we believe in empowering your employees with the tools they need for successful retirement planning. Our comprehensive educational resources and effective communication strategies enable your employees to make informed decisions about their 401(k) investments. We ensure that your workforce understands the plan's benefits, investment strategies, and long-term financial planning concepts.
Administrative Ease
Effortless Plan Management: Save time and resources with our streamlined administrative processes. Our user-friendly online platforms and dedicated customer support make day-to-day plan management a breeze. From onboarding new employees to handling compliance requirements, we help ease the administrative burden, allowing you to focus on your core business priorities.
As part of our comprehensive package, we offer bundled Third-Party Administrator (TPA) services. Our experienced TPAs will take care of all the intricate administrative tasks, including plan document preparation, annual compliance testing, government reporting, and participant recordkeeping. With our bundled TPA services, you can consolidate your retirement plan administration under one trusted provider, ensuring seamless coordination and efficiency.
Fiduciary Support
Partnering for Your Success: As your trusted partner, we provide robust fiduciary support. We offer investment advice, act in the best interests of your plan participants, and help you navigate your fiduciary responsibilities with confidence. Rest assured knowing that we prioritize your plan's success and the financial well-being of your employees.
Alloy can act as a co-fiduciary with you. These relationships are defined by the Department of Labor:
3(38) Fiduciary Manager: This relationship involves the financial planner assuming discretion over the plan's investment decisions, and the plan sponsor is relieved of any liability for the investment performance of the plan.
3(16) Plan Administrator: This relationship involves the financial planner assuming administrative duties and responsibilities for the plan, including tasks such as filing annual reports and ensuring compliance with regulatory requirements.
Call-to-Action
Unlock the Full Potential of Your 401(k) Plan: Contact us today to schedule a consultation and discover how our exceptional financial planning services can transform your small business's 401(k) plan. Together, we'll build a retirement savings solution that sets your business apart and helps your employees thrive financially.
