Plan sponsor resources

Plan Benefit Committee:

1) Achieve highest voluntary participation rate, highest account growth, highest account current value, highest average participant pre-tax deferral rate, highest post-tax contribution rate.
2) Achieve highest executive benefit appreciation for managers and executives.
3) Lowest use of outside consulting services.
4) Ensure employer matching funds are put to maximal use via fund steerage to funds increasing and reduction/avoidance of funds decreasing. Avoid market downturns 100%.
5) ERISA fiduciary duty: continuous monitoring of current fund set Investment return performance .
6) ERISA fiduciary liability: significant reduction in professional negligence insurance premiums.
ERISA class-action tort litigation: significant reduction in class-action suit propensity as well as propensity of class-action award success.
7) ERISA fiduciary duty: continuous vetting of fund and fund performance as well as monitoring alternate funds for future plan inclusion.
8) Monitor competitor plan investment performance to measure status of current comparative advantage.
9) Increase probability 401k/403b accumulated funds satisfies or exceeds expected fund value to ensure retirement lifestyle.
10) Enable fund investment accumulation in retirement by reducing need to annuitize to lock in fund value.
11) Lessen inflation retirement stream erosion by enabling a mechanism to at a minimum match the inflation rate.
12) Enable highest fund accumulation rate to aide first time home buyers use load from 401k as part of initial down payment.
13) Ensure participants have emergency funds, offer advance loans backed by participant’s 401k value.
14) Enable plan directed brokerage feature to allow fastest rate of fund accumulation to plan participants.
15) Target date funds are no longer safe harbor since wealth accumulation is higher and risk lower using stocks and TRISIGNALPEA.