Navigate 401K
Who we serve / Referral partners
Referral partners

Make the intro. We make you look good.

For CPAs, attorneys, bankers, brokers, and payroll partners: a fast, fiduciary-safe, owner-friendly 401(k) outcome delivered with a clean process that protects your relationship.

01 | The promise

What happens when you introduce a client.

Four commitments, every time — and none of them put work back on your desk.

Fast response

We confirm fit quickly and propose next steps, so nothing sits.

Plain English

A recommendation the client actually understands — not jargon or vendor noise.

Risk cleaned up

Late deposits, testing failures, eligibility errors, and fee opacity handled before they grow.

Your relationship

We don't sell around you, and we keep you in the loop at the milestones that matter.

02 | Ideal fit

Who to refer.

Business profile

A U.S. employer with W-2 employees

Typically 10–250 employees, including owners on payroll
Smaller or larger works when complexity is high
Stable or growing, with intent to retain talent
The “why now”

Something is forcing a decision

Starting a first plan or re-evaluating an existing one
A notice or testing issue — ADP/ACP, top-heavy, eligibility, late deposits
Adding features: safe harbor, profit sharing, auto-enroll, Roth, match redesign
Owner wants to maximize contributions or improve tax efficiency
Client mindset

They want it done correctly

Values advice and process over the lowest quote
Open to coordinating with their CPA or attorney
Wants to avoid surprises and reduce fiduciary risk

When we may not be the right fit

Pure price shopping with no interest in advice or process
An employer unwilling to make design decisions or hold to timelines
Very small plans where a simple off-the-shelf option is the only priority — we can still help, but the value may be mismatched
03 | How it works

From warm intro to ongoing stewardship.

1
Warm introSend the client, company, the “why now,” and any deadline. We respond quickly to confirm fit.
2
Fit & discoveryA structured 20–30 minute call on the company, current plan, goals, and constraints.
3
Light information gatheringOnly what’s needed — census or headcount, plan docs and fee disclosure if a plan exists, notes on known issues.
4
Recommendation & optionsPlan design, provider path, tradeoffs, and timeline — documented so the client can decide with confidence.
5
ImplementationWe run the project: provider and TPA coordination, payroll integration, employee communications, enrollment support.
6
Ongoing stewardshipAnnual review cadence, benchmarking, fiduciary documentation, and design tune-ups as the business changes.
04 | Send a referral

Send us the intro.

A few lines is plenty. We confirm fit before anyone's time gets spent, and every referral is logged to you in our CRM so attribution is never in question.

What prompted the intro?
About you
About the client

By submitting your client’s details you confirm they have consented to being contacted by Navigate 401K or one of its representatives.

We'll reply to you first — no cold outreach to your client.
What happens next
1 We confirm fit and align on expectations — quickly.
2 A 20–30 minute discovery call with the client, with you in the loop.
3 A documented recommendation and timeline they can decide on.

Prefer to talk it through first? Reach out and we'll walk the scenario with you before any client contact.

05 | The arrangement

A one-time fee, not tied to AUM

Subject to signing our referral agreement, referring partners may be entitled to a pre-negotiated, one-time referral fee. It is not tied to assets under management and there are no residuals to track.

A defined relationship starts at five a year

A formal referral relationship expects a minimum of five qualified referrals per year — enough activity to justify a repeatable process and dedicated support. Below that we're glad to collaborate informally.

A referral counts as qualified when it includes a warm introduction to a decision-maker, a real “why now,” and basic company context. Meeting the minimum does not create exclusivity, and fee eligibility remains subject to the referral agreement and applicable compliance requirements.

Have a client who needs a plan partner?

Send the intro and we'll confirm fit fast. If we're not the right answer, we'll tell you that too.