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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

Sep 29, 2017 by Structured Asset Management, Inc.

Toys "R" Us filed for bankruptcy last week. This was amazing to me. I remember going there 15 years ago and finding the parking lot jam-packed, the lines at the checkout lanes long with people trying to go through with two or more shopping carts full of goodies. It was the place to go to buy supplies for toddlers and gifts for special occasions. In fact, Toys "R" Us and their companion store, Babies "R" Us, were once considered category killers. No one...

Sep 26, 2017 by Structured Asset Management, Inc.

I've seen a lot of headlines recently about investors worrying about what will happen when the Federal Reserve starts selling off this massive portfolio of bonds and mortgages they've bought over the last nine years. J.P. Morgan says it could be "disruptive", Investment News says we are "bracing" for these bond sales. My view is that the people at the Federal Reserve are a lot smarter than that.

Many people have the misconception that when...

Sep 15, 2017 by Structured Asset Management, Inc.

Equifax recently announced a massive data security breach, exposing personal identification information on as many as 143 million Americans. They have set up a website (equifaxsecurity2017.com) where you can check to see if you've been affected and enroll in one free year of credit monitoring and identity theft protection.

What other steps can I take?

It is always a good idea to monitor your own personal information and be...

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