Stone Tower

Being a little different when it comes to your 401(k) plan can create amazing things!

Innovation and technology are reshaping the new modern 401k plan

Benchmarking vs Audit Evaluation

Benchmarking is outdated and tells you as a plan sponsor very little about the efficiency of your plan or how much liability risk to which you could be exposed. Benchmarking has also become so commoditized that financial service professionals perform them for nothing!

An Audit Evaluation is a more complete analysis of your plan. The audit evaluation covers participant contributions, employer matching structures, investment expenses, investment risk, investment diversification, professional fees & fee arrangements, services performed and liability risk exposures to plan sponsors.

Evaluation at Desk

Plan Savings

If your plan could save thousands or even millions of dollars...when would you want to know?

Simple adjustments to fund selections can add up to significant savings over time by utilizing comparable funds with lower expense ratios.

Fees to service professionals are also an area where plan sponsors can see savings and these fees could actually be negotiable. 


Questions To Ask Yourself

  • Who is being compensated and how are they being compensated?

  • Is our plan advisor a fiduciary or a sales representative?

  • Are our participants getting advice or generic educational recommendations?

  • Do we have quality investments or are they just average?

  • Is revenue sharing a part of our fee structure?

Not knowing the answer to any of these questions can be a breach of your fiduciary duties and cost participants future income!


Our Fees

Paying a service provider solely as a percentage of assets of the plan means your fees could be going up while service stays the same and no additional value is added.


If you decide to hire us as your Chief Fiduciary Retirement Office, we work as a fiduciary in your best interest. We believe in fee transparency and our fees are calculated based on a combination of plan assets, total participants in the plan or services being performed. We also lock in our price for three years unless there is a significant change in the number of participants added or reduced.

Driving plan fees and expenses down is a priority of ours, but not at the expense of service or value.

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Audit Evaluation Video

Before making any changes to your employer retirement plan, you need to fully understand how efficient it is. It all starts with a quality audit evaluation from an independent fiduciary.

Don't trust the 401K industry is really on your side.  Many plans have been a cash cow for advisors and other service providers.  We expose the "true" cost and value of your plan, helping you make better informed decisions as a fiduciary.  Our primary goal is to help you as a plan sponsor realize how exceptional your plan could be.

To learn more about our audit evaluation and our fees or even how to get the audit evaluation at no cost, register to watch our short introductory video.

Once you register, we will also send you a complimentary summary report of your plan if you haven't already received one.


Watch this short educational video

Discover what a Chief Fiduciary Retirement Officer can do for you and your plan