Company Retirement Plans

Sensenig Capital helps protect plan fiduciaries from liability while enhancing investment opportunities —and puts plan participants on the road to financial security.

We provide corporate retirement plan sponsors with the service and expertise to help drive improved retirement plan performance, plan design, participant education, deferral rates and asset allocation.

We have a thorough understanding of the retirement marketplace and are well versed in the rules and regulations governing it. Backed by deep industry knowledge and 50 years of cumulative experience, we help maximize savings potential for owner(s) and employees through innovative design, and minimize plan risk and fiduciary exposure.

Contact Us For A Free, No-Obligation, Consultation.

Company Retirement
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Our Company Retirement Plan Process

The Sensenig corporate process helps improve investment performance, and enhances employee education and utilization within our clients’ company sponsored retirement plans. We also implement sensible policies to assist with fiduciary compliance.

Step 1

Independent Benchmarking

Improve decision-making, fiduciary obligation, and marketplace competitiveness.

Step 2

Investment Due Diligence

Reduce fiduciary liability by independently monitoring plan investment options.

Step 3

Fiduciary Fitness & Guidance

Meet your fiduciary obligations by continuously measuring your plan health.

Step 4

Employee Education

Proactive solutions resulting in a better experience for participants.

For plan fiduciaries:

  • Fiduciary audit and risk mitigation
  • Employee communication and education
  • Plan design and compliance solutions
  • Merger / acquisition due diligence consulting
  • Legislative and regulatory updates
  • Investment due diligence and performance evaluation
  • Plan benchmarking and fee analysis
  • Access to our credentialed CFP® professionals for group and individual education meetings to promote retirement readiness

For plan participants:

  • Group and individual education meetings
  • Employee communication strategies
  • Asset allocation and investment guidance
  • Financial planning
  • Education modules and employee memos

Why partner with Sensenig Capital

  • Protect plan fiduciaries from financial loss
  • Ensure plan efficiency and compliance
  • Minimize total plan cost
  • Maximize benefits for plan participants

Frequently Asked Questions

What are your total plan fees?

For some advisors, this is an easy question: It is simply their advisory fee, which should range from about 0.25% to 0.75% for a small business plan. For many other advisors, it’s a loaded question. For example, bundled plans, which include the full bundle of services from investing to plan management, are sometimes filled with fees that are not always readily apparent. Some of these fees will go to your financial advisor, some will go to an insurance company or mutual fund company. It can be hard to fully understand the total plan costs when they are seemingly hidden within the plan. Make sure to read your plan’s Fee Disclosure statement carefully.

Ideally, we believe you should have a top-notch advisor manage your investments and guide you as the plan sponsor, a local third-party administrator customizing the plan to meet your objectives, and a major brokerage firm handling the trading, record keeping and technology. Get the best talent you can and don’t settle for less.

Will you educate our employees and increase plan participation?

Yes. Sometimes business owners will tell us that the last time they saw their 401(k) advisor was when the plan was sold to them. Don’t let that happen to you. Your company’s 401(k) plan is too important to you and your employees, not to mention that you have a responsibility to look after the best interests of the plan.

To maximize the plan’s benefit, an advisor should be committed to educating your employees. This will help you garner high levels of employee participation and help them gain the full advantage of the 401(k) benefit. The 401(k) laws were constructed to encourage all employees, not just the business owners, to benefit from the plan. If participation is low, you and your highly compensated employees may be limited in the benefits you enjoy.

Ideally, an advisor should be available to sit one-on-one with participants to answer any questions they may have related to the plan. In addition, seek out a firm that has made a commitment to have Certified Financial Planner (CFP®) designees on staff to work with you and the participants.

As you can see, it’s good business to have your employees participate in the plan and see the benefits of their investments. If your employees enjoy the full benefits of your 401(k) plan, you will, too.

Do you function as a plan fiduciary?

Yes. Some 401(k) plan advisors are not able to give investment advice, but probably not for a reason you expect. Generally, these advisors work for insurance companies or mutual funds. They may tell you they cannot advise you on which funds to pick. The truth is that to provide investment advice, an advisor must function as a fiduciary. Fiduciaries take on a much higher level of responsibility, and some advisors (or their firms) are unwilling to accept the potential liability.

Instead, choose a top professional, like Sensenig Capital, who will function as a fiduciary and serve as a partner with you on the plan. A fiduciary will offer advice on investments, help you build a team of retirement plan experts, and consult with you on a wide range of issues.

If I am interested in learning more, what is the next step?

We offer prospective clients a free independent benchmarking analysis of their current plan. Our benchmarking process is independent and extremely thorough. In fact, plan sponsors are required to conduct benchmarking of their company retirement plan every 2-3 years to make sure the plan is keeping pace with plan fees, investment options, participant retirement readiness features, etc…

Contact us today to begin the process of creating your free benchmarking analysis.

DISCLAIMER

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