Commercial clients are asking. Someone else is answering.
When a business client asks about their 401(k), the answer usually comes from another institution — and the relationship follows the answer. Meanwhile, non-interest income targets keep rising and trust departments were never built for ERISA fiduciary work or recordkeeper management.
What the partnership means for each seat.
Compete without building it
Non-interest income growth and a differentiator against the banks that already offer retirement services — with no new business line to stand up.
401(k) on the menu, zero new hires
We add plan advisory to your service list with full fiduciary coverage — complementing the trust department rather than replacing it.
An answer for every plan question
Your RMs don't need to learn 401(k) plans — only to recognize the trigger question. We train the team and make the intro easy.
We carry the ERISA liability
Your brand sits on the outside; our licenses, fiduciary scope, and compliance infrastructure sit under the hood. Your investment is time and referrals.
Sized to the institution.
In total bank assets — community through regional institutions.
Commercial banking relationships that could ask a plan question.
An active department — without in-house 401(k) advisory capability.
A conservative, relationship-oriented culture — the way we work too.
From first meeting to first plan.
Most banks require board or executive committee approval for a new business line, so plan on 120–180 days from first meeting to signed agreement. First plans can be onboarded within 60–90 days of signing.
“We already have a trust department.”
Trust departments generally aren't set up for ERISA fiduciary obligations or recordkeeper relationships. We complement what you have — we don't replace it.
“What about our regulatory risk?”
We hold the fiduciary and compliance responsibility for plan-level services. Your brand is on the outside; our licenses and ERISA coverage sit under the hood.
“Our RMs won't refer consistently.”
We train them. RMs don't need to understand plan design — only to recognize one trigger question: “Do you offer a retirement plan?”
“Will implementation take forever?”
First plans can be onboarded within 60–90 days of a signed agreement. We've run this before and we manage the project end to end.
Let's model what this looks like at your bank.
We'll build a bank-specific view of plan count, assets, and net revenue — and show you exactly what your team would and wouldn't do.