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"A Goal Without a Plan Is Just a Wish"
-Antoine de Saint-Exupery


Employer Retirement Plan Services

For small plan sponsors, we provide ongoing review services that allow the Trustees and the Investment committee to prudently analyze plan design, participant education, plan benchmarking, and investment recommendations with special attention to the following:

  • ERISA Section 404(c) compliance
  • Plan cost analysis of all fees and compensation and comparison to similar plans
  • Investment Policy Statement construction and review
  • Due diligence, monitoring and annual benchmarking
  • Participant education, conversion and enrollment services
  • Conducting Investment Committee meetings and recording minutes

A key concept under ERISA is that you perform a Prudent Process in administering the plan. You have a duty to make sure that the costs of the plan are reasonable. Are you confident that your plan's costs are reasonable and compare favorably to other plans? We help you by conducting periodic reviews of your plan's expenses to see how your plan compares to like-size plans in the same area and in the same industry. Unless you conduct a periodic review, you can't truly be sure that you are fulfilling your fiduciary responsibility. If you haven't had a recent plan review, please contact us to schedule a convenient time to get started.

Latest Blog Posts

Jun 28, 2017 by Structured Asset Management, Inc.

I am glad to see the new requirement for investment advisors dealing with 401(k) plans take effect. Now advisors have to acknowledge their fiduciary status in writing and subscribe to an impartial standard of conduct. The big keys are that under these new standards, these advisors must:

  • Give advice in the clients' best interest
  • Charge reasonable compensation
  • Disclose conflicts of interest
  • Disclose the fees so they can be understood
  • Make...
Jun 26, 2017 by Structured Asset Management, Inc.

The new rule going into effect with the Department of Labor (DOL) fiduciary rule gives brokers and insurance agents till January 1, 2018 to come into compliance with the rules we have been following for decades.

This is huge news for 401(k) plan participants. Now advisors will have to consider the fees, the benefits and the services provided before they recommend a rollover from a corporate plan to an IRA. Imagine that, a rule that makes these people have to actually work in someone...

Jun 22, 2017 by Structured Asset Management, Inc.

Good news for 401(K) plan sponsors and participants! Under the new Fiduciary Standard of Care rule, all advisors that give investment advice to 401(k) sponsors and their employees (participants) now have to comply with the ERISA standard for fiduciary care.

Before this happened, only advisors who, like us, were subject to the Investment Advisors Act of 1940 were held to the fiduciary standard. Others had what's called the suitability standard. Brokers and insurance...

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