Staying put is often the harder choice.
Most sponsors stick with a plan that no longer fits because they assume switching is painful. It isn't — not when the conversion is run by a specialist. We move the plan on a structured, low-friction, predictable path from "we're moving forward" through the first 180 days.
You keep control of the decisions that matter and hand us the coordination that doesn't — recordkeeper, TPA, payroll, communications, and fiduciary setup. The result is a better-priced, better-run plan and a team that barely notices the change.
When a conversion is worth the conversation.
Advisory or recordkeeping costs sitting above the benchmark for a plan your size.
An advisor you rarely hear from — and questions that pile up on your desk.
Investment liability still sitting with you instead of a discretionary 3(38) manager.
Expensive or overlapping funds that a clean, low-cost core menu would replace.
Manual payroll, slow support, and a recordkeeper that creates work rather than removing it.
Employees who aren’t enrolling — or aren’t saving at healthy rates.
From "this isn't working" to a plan that is.
Every conversion starts with the numbers.
Before anything moves, we build a proposal on your plan's real data — so the case to convert is grounded, not guessed.
Quartile scoring on fees, features, and outcomes against comparable plans — matched on average balance and participant count.
We align on the right recordkeeper, pricing, and service model, compared directly against your current arrangement.
We map your existing lineup onto the Navigate core menu — typically cutting weighted fund expense substantially.
Structured and predictable — through the first 180 days.
A clear runbook takes the plan from decision to a stabilized, fully operational 401(k) — with weekly status the whole way.
A fully managed plan once it's ours.
We accept full discretionary responsibility for selecting and monitoring investments — transferring liability off the sponsor.
Quarterly review of the lineup against a formal Investment Policy Statement.
Group and one-on-one guidance that drives enrollment and healthy deferral rates.
We coordinate recordkeeper, TPA, and payroll so you stay out of the weeds.
A dedicated point of contact for both sponsors and participants.
Questions sponsors ask before converting.
See what a better-run plan looks like.
Send us your current plan and we'll benchmark it — fees, lineup, and fiduciary scope — so you can decide with real numbers, not a sales pitch.