Employer Plans

Employer Plans

Not All 401(k) Plans are Alike

For many years, the 401(k) plan market has been dominated by providers charging excessive fees with little transparency.  This is particularly true for smaller plans, where insurance companies often push expensive products.  Recent legislation requiring fee disclosure has made it clear that many plans are charging fees that create a huge drag on the performance of participant accounts.

We design portfolios based on Modern Portfolio Theory using institutional funds that are not available in most 401(k) plans - including funds from Dimensional Fund Advisors (DFA Funds).  We welcome the opportunity to show you the past performance of our model portfolios, explain why inexpensive passive investing has consistently outperformed active strategies, and present the overwhelming amount of academic research that supports our investment philosophy.

As an ERISA 3(38) fiduciary, our process can relieve the plan sponsor of liability for selecting investment options offered by the plan.  In addition, we are responsible for helping select plan service providers that offer the best value.  Our plan can include TPA services, providing signature ready IRS forms and trust certification; or, in most cases, you may choose to continue to use the TPA you're used to working with.

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