Advanced design for established plans.

For larger, mature plans the questions change: are our fees still competitive, is our fiduciary process airtight, and how do we reward the people who drive the business? We bring advanced design, governance, and executive benefits.

Mature & complex plans

A mature plan deserves a fresh look.

Plans that have been in place for years quietly drift — fees stay flat while assets grow, fund lineups age, and the fiduciary file falls behind. Meanwhile owners and executives bump against contribution limits a standard 401(k) can't solve.

We benchmark what you have, tighten the governance around it, and layer in advanced design — cash balance, cross-tested profit sharing, and nonqualified deferred compensation — to reward key people and get more out of a plan you already run.

80% of company plans with 100+ employees are overpaying on administrative fees.

17% a year — how fast cash balance plans have grown, versus low single digits for 401(k)s.

3 yrs how long many mature plans go without an independent fee benchmark.

Sources: Abernathy Daley 401k Consultants Form 5500 analysis, 2024; Kravitz/Ascensus National Cash Balance Research Report. Shown for general illustration.

01 | Where we add value

Four moves for a mature plan.

Benchmark fees & value

Quartile scoring on fees, funds, and service against comparable plans — so you know exactly where you stand.

Advanced plan design

Cash balance and cross-tested profit sharing let owners and key staff shelter well beyond the 401(k) limit.

Executive benefits

A nonqualified deferred compensation plan rewards and retains the leaders who drive the business.

Fiduciary governance

3(38) investment management, committee support, and documented annual reviews keep your file audit-ready.

Time for a re-bid?

Most mature plans haven't been benchmarked in years.

If it's been more than three years since your plan was competitively reviewed, you may be overpaying — and leaving design value on the table. We make the review painless.

See how a plan conversion works

3(38)We hold the investment fiduciary role, not your committee.

AnnualDocumented fee, fund, and design reviews every year.

Put your plan through its paces.

We'll benchmark your current plan, review your fiduciary process, and show you where advanced design could take it.