Your company’s 401(k) plan deserves better and so do you and your employees.

There is no shortage of press recently about the changing landscape of the 401(k). Featured in Wall Street Journal and Washington Post editorials, in SmartMoney Magazine, The Toledo Blade, and on 60 Minutes and Bloomberg TV, new Department of Labor regulations are attempting to right a wrong that has resulted in significant fees shrouded in mystery while you’re busy running your company and managing your relationships with clients.

As a fiduciary for your company’s 401(k) or 403(b), you are required to know a lot about your plan: a complete understanding of the expenses being charged, the merits of the investment choices offered, the role of education in your employees’ participation in the plan. And you’re to do all of this while keeping an eye on the store and the Department of Labor, simultaneously.

If there ever was a “what you don’t know could hurt you” scenario, this is it.

Begin by asking yourself these questions :

• Do I have a complete understanding of all expenses being charged against the assets of my 401(k) plan?
• How much are 12b-1 fees, Sub-TA fees, and mutual fund revenue-sharing costing our employees in their account balances year after year? 
• Are the investment choices offered in our plan the most efficient options available?
• What is my level of personal exposure to potential lawsuits from employees?

The excessive fees growing inside both large and small 401(k) plans are literally coming under the scrutiny of the law, and Plan Sponsors (you, the employer) are being held accountable.

The good news is this is avoidable.

Without cost or obligation, a highly-detailed analysis of your 401(k) plan can bring all of this mystery to the surface and expose it to the light of day. Our innovative, rigorous pricing model is designed to optimize your plan’s performance by:

• Cutting costs
• Educating your plan participant-employees
• Expanding investment options to allow participants to pick what they want
• Reducing your exposure to potential lawsuits

Fourth Dimension Financial Group offers truly independent advice. We are not compensated by third-party administrators, plan providers or plan platforms, so we can provide unbiased examination of your plan and implement solutions that will optimize its value. Our team will work closely with you and your employees to ensure outcomes that are in their best interest…and yours.

Call us today at (419) 931-0704 or send us an email through our “Contact Us” page to schedule your no-obligation 401(k) analysis.

401(k) Plan Regulation In the Media