Tailored Support for Your Company’s Success
We deliver customized group retirement plan solutions designed to help businesses create and manage effective, compliant, and goal-aligned plans. Through strategic consultations, proactive compliance oversight, performance monitoring, and benchmarking, we ensure your retirement plan continues to support both your business objectives and your most valuable asset—your employees.
Investment Management Support for Group Retirement Plans
As a dedicated ERISA 3(38) investment manager, we assume full fiduciary responsibility for the oversight of your retirement plan’s investment lineup. This goes beyond the role of non-fiduciary advisors or ERISA 3(21) fiduciaries—who only offer recommendations—by giving us full discretion to manage and adjust investment options on your behalf. This structure allows plan sponsors to delegate significant fiduciary liability to us while enhancing plan governance and effectiveness.
It’s important to emphasize that discretion does not mean unilateral control. We work collaboratively with plan sponsors and investment committees to ensure the investment strategy aligns with your company’s philosophy and meets the evolving needs of your workforce. Your feedback is essential in shaping plan documents and tailoring investment menus that reflect your organization’s unique priorities.
Plan Design & Management
- Plan design consultation (Safe harbor, match financial impact matrix, Roth 401(k), etc.)
- Eligibility determination, loan options, etc.
- ERISA 404(c) information and compliance
- Qualified Default Investment Alternative (QDIA) options and compliance
- Compliance testing projections and audit package considerations
- The participation rate, contribution rate, and plan performance diagnostics
- 3rd-party vendor service and plan benchmarking
Fiduciary Liability Management
- Investment Committee due diligence
- Fiduciary acknowledgment, defining of roles and responsibilities
- Committee meetings
- Fiduciary liability insurance integration and policy review
- Investment stewards fiduciary and investment management training
Investment Management
- Investment Policy Statement (IPS) construction/review
- Review, research, and selection of asset allocation categories
- Review, research, and selection of allocation strategies (target-date funds, custom allocation funds, white-label options, guaranteed minimum withdrawal or income vehicles, etc.)
- Due diligence and selection of investment vehicles within the aforementioned allocation categories and strategies
- Fiduciary liability insurance integration and policy review
- Regular performance review and monitoring
For Plan Sponsors
- Plan Design & Management
- Fiduciary Liability Management
- Investment Management
For Plan Sponsors
Our personalized Participant Guidance offering aims to increase participation rates, contribution rates, portfolio diversification, and financial literacy through services such as:
- Group financial literacy and plan education presentations
- One-on-one in-person, telephonic or web-based consultations with a licensed Ironview representative
- Personalized retirement income forecast reports (i.e., answers question, “When can I retire comfortably and remain comfortable throughout retirement?”)
- Customized asset allocation and investment selection (i.e., “How much should I contribute and where should I invest my contributions?”)
- Customized asset location recommendations (i.e., Roth 401(k) vs. Traditional 401(k), plan rollover considerations, etc.)