Company Retirement Plans
Helping you support your team’s future with confidence and care.
Offering a robust retirement plan is one of the best ways to attract and retain top talent while helping your employees build financial security for their future.
At Evergreen Wealth, we specialize in designing and managing company retirement plans that align with your business goals and support your workforce.
Our Approach to Company Retirement Plans
A thoughtfully designed retirement plan benefits both employers and employees by:
- Enhancing employee satisfaction and loyalty
- Providing tax advantages for your business
- Supporting your employees’ long-term financial well-being
- Demonstrating your commitment to their future
401(k) Plans
Flexible and widely used, with options for employer matching and profit-sharing to boost employee participation.
SEP IRAs & SIMPLE IRAs
Ideal for small businesses seeking straightforward, cost-effective retirement plans.
Defined Benefit Plans
For employers wanting to provide a fixed, pre-established benefit for employees at retirement.
Employee Education & Enrollment Support
We provide clear guidance and resources to help employees understand and maximize their benefits.
Compliance & Plan Management
We know the retirement industry and help you choose the best team of service providers to complete regulatory requirements, plan administration, and ongoing fiduciary support to keep your plan running smoothly.
Continued Education for Sponsors
Plan Sponsors will receive monthly newsletters, webinars and in-person educational options so that you can be sure you are always making the best choices for your team.
Let’s Build Your Team’s Future Together
Key Services Delivered
We can help your business thrive.
Fiduciary Investment Manager (ERISA Safe Harbor) providing a broad investment menu
As your 3(38) Fiduciary Investment Manager under ERISA Safe Harbor rules, we take on the responsibility of selecting and managing a diverse menu of investment options tailored to your plan’s goals. This ensures compliance while offering participants a wide range of choices that meet different risk tolerances and investment objectives.
Selection and ongoing monitoring of the default investment option (QDIA)
We help select a Qualified Default Investment Alternative (QDIA) for participants who do not actively choose investments, ensuring their assets are managed prudently. We continually monitor the QDIA to ensure it remains appropriate given market conditions and participant needs.
Example: Choosing a target-date fund as the default option and reviewing it quarterly to ensure it aligns with participants’ retirement timelines.
Manage risk-based model portfolios (includes five objectives)
We offer professionally managed, risk-based model portfolios designed to match various investor profiles—from conservative to aggressive. These portfolios are regularly adjusted to align with key investment objectives, such as growth, income, and capital preservation.
Example: A participant selecting a “Moderate Growth” portfolio that balances potential growth with risk management tailored to their age, time horizon, and more.
Provide Specific Investment Advice to Participants
As fiduciaries, we deliver personalized investment guidance to plan participants, helping them make informed decisions based on their individual goals, risk tolerance, and time horizon.
Example: One-on-one consultations where we help participants optimize their asset allocation or answer questions about their retirement options.
Quarterly Investment Monitoring Reports
We provide detailed quarterly reports summarizing plan investment performance, benchmarking against industry standards, and highlighting any necessary adjustments to maintain plan health.
Example: A quarterly report showing fund returns, fees, and risk metrics, along with recommendations for plan fiduciaries.
Plan Governance
Our team supports your governance efforts by ensuring your retirement plan adheres to regulatory requirements, best practices, and fiduciary responsibilities, reducing risk and improving outcomes.
Example: Assisting the plan committee with annual reviews, documenting decisions, and updating policies to meet evolving regulations.
Transparent fee and service provider benchmarking
We conduct thorough benchmarking of all plan fees and service providers to ensure your plan operates efficiently and cost-effectively, providing transparency and value.
Example: Comparing your plan’s administrative and investment fees to industry averages and recommending cost-saving opportunities.
Plan provider’s liaison, providing oversight and service analysis
We act as the primary contact with your plan’s service providers, overseeing their performance, resolving issues, and analyzing service quality to ensure optimal participant experiences.
Example: Coordinating with recordkeepers and custodians to address participant questions and streamline plan operations.
Plan transition coordination
We expertly manage plan transitions, whether switching providers, updating plan features, or merging plans, ensuring minimal disruption and clear communication throughout the process.
Example: Leading a smooth transition from one recordkeeper to another with detailed timelines and participant communications.
Plan design oversight
We review and advise on plan design features to maximize benefits for both employers and participants, ensuring the plan remains competitive and compliant.
Example: Evaluating options like automatic enrollment, matching formulas, or profit-sharing features to enhance participant engagement.
Secure online document storage
Our secure digital platform allows you and your plan fiduciaries to access all important plan documents anytime, ensuring organization and ease of compliance.
Example: Storing plan documents, fiduciary meeting minutes, and compliance certifications in a centralized, encrypted portal.
Meet with Participating Employer Executives
We regularly engage with employer leadership to review plan performance, discuss strategy, and address evolving company and workforce needs.
Example: Annual executive meetings to align retirement plan objectives with overall business goals.
Deliver Employee Education meetings
We conduct engaging group education sessions designed to improve participant understanding of retirement planning, investment options, and the benefits of saving.
Example: Hosting onsite or virtual seminars covering topics like “Basics of Retirement Planning” or “Understanding Your 401(k) Options.”
Individual participant meetings
We offer confidential one-on-one meetings for participants seeking personalized advice, helping them clarify goals, adjust investment strategies, or navigate retirement decisions.
Example: Scheduling individual consultations during open enrollment periods or upon employee request.
