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


Service and expertise to help drive improved retirement plan performance.

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.

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.

401(k) and more…

Sensenig Capital provides fiduciary-based expertise for many types of company retirement plans, including 401(k), 403(b), 457, SIMPLE, SEP, Profit Sharing, Cash Balance, and Defined Benefit.

Our fees are priced to be a good value. Because we run our business efficiently, we’re able to pass our cost savings onto you. Based on a percentage of assets under management, among other factors, our fee generally ranges from 0.25% – 0.75%.

Our Fee Is Based On

  • Number of plan participants
  • Average account balance
  • Service requirements
  • Plan design features

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.


Sensenig Capital Advisors – Fee-Only Wealth Management – Philadelphia, PA, King of Prussia, PA, Collegeville, PA | This website (“SCA website”) is a service of Sensenig Capital Advisors, Inc. (“SCA”). By accessing SCA’s website, you agree to the following terms and conditions: Information on the SCA website is solely offered to, and solely intended for use by citizens of the United States. While SCA uses reasonable efforts to obtain information from sources which it believes to be reliable, SCA makes no representation that the information or opinions contained on the SCA website is accurate, reliable, or complete. The information and opinions contained in the SCA website are provided by SCA for personal use and informational purposes only and are subject to change without notice.The SCA website is limited to the dissemination of general information about SCA’s service offerings, and provides an alternative method for prospective clients to learn more about SCA, and to contact SCA. Nothing contained on the SCA website constitutes personalized investment, financial, legal, tax or other advice, nor is to be relied on in making an investment or other decision. Moreover, nothing on the SCA website should be construed as a solicitation or offer, or recommendation, to acquire or dispose of any investment or to engage in any other transaction for compensation. SCA does not render or offer to render personalized investment advice or financial planning advice through the SCA website.SCA’s specific, individualized advice is given only within the context of our contractual agreements with each client. Advice may only be rendered after the delivery of Form ADV-Part 2, the execution of a wealth management and/or consulting agreement by the client and the advisor, and the initial payment of the planning fee or investment advisory fee by the client to the advisor. SCA is registered as an Investment Adviser with the Pennsylvania Department of Banking and Securities. SCA may only transact business in the Commonwealth of Pennsylvania or in any other state if first registered, excluded or exempted from state registration requirements under the applicable state law or regulation where the client resides. Consistent with applicable laws and SCA’s policies and procedures, any follow-up, direct and individualized communication by SCA’s representatives with a client or prospective client that involves effecting or attempting to effect transactions in securities, or rendering personalized investment advice for compensation shall only be conducted by a representative who is either registered or qualifies for an exemption or exclusion from registration in the state where the client or prospective client resides.  copy of SCA’s Form ADV-Part 2 is provided to all clients and prospective clients, and additionally is available for review by contacting the firm. Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by SCA), will be profitable or equal any historical performance level(s). You may download or print out a hard copy of individual pages and/or sections of the SCA website, and files made available for download, provided that you do not remove any logos or other proprietary notices. Any downloading or otherwise copying from the SCA website will not transfer title to any software or material to you. You may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, link into or use for any public or commercial purpose the SCA website without the prior written permission of SCA. SCA maintains responsibility to review and pre-approve any content that its representatives desire to post to the SCA website, and any posted on the SCA website will be within the scope of authority granted by SCA. When you access certain links on the SCA website you may leave the SCA website. SCA does not endorse the content of such websites nor the products, services or other items offered through such websites. Any links to other sites are not intended as referrals or endorsements, but are merely provided to the users of the SCA website for convenience and informational purposes.