401(k) Advising for HR Professionals

Streamlined 401(k) Advising for HR Professionals

Managing 401(k) plans shouldn’t be complicated. Our expert 401(k) advising services make it easy for HR managers to deliver impactful retirement solutions that meet the needs of employees and your business.

Expert Retirement Plan Advising Built for HR Teams

We understand HR teams' challenges when managing 401(k) plans—balancing compliance, employee education, and administrative duties is no easy task. Our solutions were designed to simplify the process, empower employees, and support your business's financial health.

Here’s what you get with our services:

    • Serve as a 3(21) Co-Fiduciary to the plan

    • Serve as a 3(38) Investment Manager to the Plan*

    • Investment Structure Evaluation and Ongoing Review

    • Fee Structure Evaluation and Ongoing Review

    • Establish Plan Investment Objectives

    • Participant Asset Allocation Models*

    • Investment Policy Statement Development and Management

    • Review and Analysis of Existing Managers / Mutual Funds

    • Target Date Fund / QDIA Suitability Review and Selection

    • Short-Term Cash Alternatives Review and Selection

    • Serve as a Fiduciary to Custom Asset Allocation Models*

    • Investment Manager / Mutual Fund Search and Selection

    • Investment Manager / Mutual Fund Monitoring & Due Diligence

    • Quarterly Performance Reporting and Review

    • Quarterly Meeting Summaries / Minutes to Document Committee Discussions and Actions

    • Regulatory / Legislative Updates and Case Law Interpretation

    • Monthly Plan Sponsor Email/Newsletter

    • Quarterly Legal and Compliance Updates

    • Virtual Fiduciary File to Organize and Store Plan Documentation

    • Fiduciary Training and Education

    • Plan Design Analysis

    • Plan Governance Documents – Board Resolution, Fiduciary Acknowledgements and Committee Charter

    • ERISA Fiduciary Calendar and Plan Management Responsibilities Fiduciary Diagnostic™

    • Fiduciary Compliance Reviews to Document Completion of Plan Management Responsibilities

    • ERISA 404(c) and 404(a) Fiduciary Guidance

    • Regulatory / Legislative Updates and Case Law Interpretation

    • Monthly Plan Sponsor Email/Newsletter

    • Quarterly Legal and Compliance Updates

    • Virtual Fiduciary File to Organize and Store Plan Documentation

    • Fiduciary Training and Education

    • Plan Design Analysis

    • Competitive Analysis of Provider Costs, Services, and Investments Against Other Bidding Providers

    • Comparisons of Fees and Revenues for Recordkeeping Services, Investment Management Related Services, Per per-item administrative Fees, and Transactional Fees

    • Cost Analysis Compares Provider Compensation, Investment Management Fees, and Total Plan Costs

    • Negotiation of Incumbent’s Fees and Revenues, Plan Lineup Changes, and Service Commitments

    • Assistance with Reviewing and Selecting an Appropriate Method for Allocating Plan Fees / Credits among Participants

    • Assistance with Selecting, Coordinating, and Reviewing Service Provider Finalist Presentations

    • Investment Analysis Compares Current and Proposed Investment Lineups Using Scorecard System™

    • Negotiation of Provider Compensation, Investment Changes, and Service Commitments included

    • Full Report Documents 408(b)(2) Compliance

    • Plan Design Analysis

    • Annual Fee and Expense Analysis vs. Industry Averages

    • Annual Participant Demographics Review

    • Plan and Benefit Design Evaluations

    • Evaluation of Administrative, Recordkeeping, Compliance,Website/Statements, Investment Management, and EmployeeCommunications Services

    • Retiree Financial Planning Seminars

    • Financial Wellness Program

    • One-on-One Education Meetings

    • Annual Participant Education Initiatives

    • Group Education Meetings

    • Monthly Participant Memos

What Others Are Saying

“Michael Sayre and CUI Wealth Management were very helpful to us when we transitioned our company’s 401k from a self-managed plan to a managed plan. Our situation was complicated, and Michael was there every step of the way to answer questions and provide guidance. There were a lot of moving parts, and Michael was able to guide me and gave me the confidence I needed to get everything completed correctly... it is a pleasure to work with him and his team at CUI Wealth Management, and we look forward to a long business relationship. “

— Kathy S.

"We have loved our continued support and guidance we’ve received from Michael and his team. Everyone we have worked with is knowledgeable and prompt to reply. We cannot recommend them enough,. Our employees also reach out with specific questions and they have full confidence in Michael’s trusted advice. Our Company’s 401k management could not be in better hands.”

— Nate F.

Why Consider Our 401(k) Advising Services?

1. Tailored Expertise

We don’t believe in one-size-fits-all. Our advisors work closely with your HR team to design 401(k) plans that meet the unique needs of your workforce while aligning with your business goals.

2. Intuitive Platform for HR Teams

Our user-friendly platform makes enrolling employees, managing contributions, and maintaining compliance effortless. Spend less time on administration and more time focusing on strategic HR initiatives.

3. Actionable Insights

Access analytics that provide insights into plan performance, employee participation, and engagement trends. Use these insights to optimize your 401(k) and drive better outcomes.

4. Seamless Compliance

Navigating the complexities of federal 401(k) regulations doesn’t have to be daunting. Our compliance support ensures your plans stay up-to-date and protected against common legal pitfalls.

5. Empowered Employees

Our customizable communication tools and detailed plan education empower employees to confidently take control of their financial futures. From personalized action plans to easy-to-understand resources, we help your team succeed.

How It Works

1. Discover Your Needs

Consult with our advisors to assess your business and workforce's specific needs.

2. Build Your Custom Plan

We design a 401(k) plan tailored to your organization, ensuring compliance and alignment with your goals.

3. Engage and Educate Employees

Roll out your customized plan with educational resources and workshops to increase engagement.

4. Track and Optimize

Use our advanced analytics to monitor plan performance, employee participation, and overall impact. Make data-driven improvements effortlessly.

Frequently Asked Questions

Can this platform support businesses of any size?

Yes! Whether you have 50 employees or 5,000, our services can scale to meet your needs.

What if I already have a 401(k) provider?

No problem. We’ll work with your current provider to streamline your plan and identify areas for improvement.

How do your communication tools help employees?

Our tools provide clear, personalized communications that educate employees on their options, helping them make informed decisions about their financial futures.

What’s the cost of your services?

Our pricing is competitive and tailored to your needs. Schedule a meeting to explore the best plan for your business.

How do we get started?

Request a free consultation, and our team will guide you through the onboarding process step by step.

Empower Your Team with Simplified 401(k) Management

Drive employee engagement, ensure compliance, and simplify the complexities of retirement planning with our dedicated 401(k) advising solution.