Navigate 401K
Business 401(k) / Plan conversions
Plan conversions

Move your 401(k) — without the disruption.

Switching providers or advisors should be the easy part. We run the conversion end to end — benchmarking, fund mapping, vendor coordination, and go-live — so your team never feels the handoff.

A guided conversion Scroll

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.

01 | Signs it's time

When a conversion is worth the conversation.

Fees that crept up

Advisory or recordkeeping costs sitting above the benchmark for a plan your size.

Service that went quiet

An advisor you rarely hear from — and questions that pile up on your desk.

No real fiduciary cover

Investment liability still sitting with you instead of a discretionary 3(38) manager.

A dated fund lineup

Expensive or overlapping funds that a clean, low-cost core menu would replace.

Clunky administration

Manual payroll, slow support, and a recordkeeper that creates work rather than removing it.

Low participation

Employees who aren’t enrolling — or aren’t saving at healthy rates.

02 | How a conversion moves

From "this isn't working" to a plan that is.

1
IdentifyYou flag that the current plan isn’t working. We confirm fit on a short call.
2
DiscoverWe lead a technical discovery — plan size, current provider, pain points — and request your fee disclosures.
3
ProposeWe benchmark the plan, align on provider fit, and map your lineup into a clear, co-branded proposal.
4
ImplementWe coordinate the recordkeeper, TPA, and payroll and run a structured onboarding to go-live.
5
ServiceOngoing advisory, fiduciary oversight, and annual reviews keep the converted plan healthy.
03 | The proposal

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.

Benchmarking

Quartile scoring on fees, features, and outcomes against comparable plans — matched on average balance and participant count.

Provider fit

We align on the right recordkeeper, pricing, and service model, compared directly against your current arrangement.

Fund mapping

We map your existing lineup onto the Navigate core menu — typically cutting weighted fund expense substantially.

A guided conversion

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.

Days 1–14 Kickoff & intake Welcome call, goals and deadlines, an implementation calendar, and document and census collection.
Days 15–45 Recommendations & decisions Review the current plan, present the conversion path and lineup, and align on the few sponsor approvals needed.
Days 46–90 Implementation & go-live Weekly red/yellow/green updates, communications and payroll testing, then launch-readiness confirmation.
Days 91–180 Stabilization & handoff Confirm first contributions, resolve exceptions, report engagement, and move into an annual review rhythm.
04 | What we handle

A fully managed plan once it's ours.

3(38) fiduciary

We accept full discretionary responsibility for selecting and monitoring investments — transferring liability off the sponsor.

Fund monitoring

Quarterly review of the lineup against a formal Investment Policy Statement.

Education & enrollment

Group and one-on-one guidance that drives enrollment and healthy deferral rates.

Vendor oversight

We coordinate recordkeeper, TPA, and payroll so you stay out of the weeds.

Plan support

A dedicated point of contact for both sponsors and participants.

05 | FAQ

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.