Optimizing your experience...
Optimizing your experience...
401(k) Plan Sponsor Review
Aurea helps plan sponsors review investment menus, fees, fiduciary documentation, provider roles, and recurring committee process, subject to written agreement and scope of engagement.
Scope
A sponsor cannot outsource every fiduciary responsibility. But a sponsor can run a more careful process, maintain better records, and ask better questions about the plan's investments and fees.
Review each option for role, cost, category fit, benchmark relevance, risk profile, and whether the menu remains understandable for participants.
Evaluate plan-level and investment-level costs against available benchmarks and provider alternatives where data is available.
Review the investment policy statement for selection criteria, monitoring standards, watchlist process, and committee responsibilities.
Review recordkeeper, TPA, adviser, and investment provider roles so the sponsor understands who is responsible for what.
Support practical participant education around plan basics, diversification, long-term behavior, and avoiding emotional decisions.
Support meeting agendas, review packets, minutes preparation, and recurring review cadence for the plan fiduciary file.
Each engagement is governed by a written agreement with the plan. It starts with an initial document and investment menu review and continues on the monitoring cadence the agreement sets. The output should be clear enough for a committee file.
Initial document and investment menu review
Fee and provider information request
Investment policy statement review
Written findings and prioritization
Committee meeting support
Quarterly or annual monitoring cadence
Aurea offers investment advice to sponsors of retirement plans such as 401(k) plans. The service depends on the fiduciary role selected in the written agreement with the plan: ERISA §3(38) discretionary investment management or ERISA §3(21) non-discretionary investment advice. The plan sponsor retains authority over plan administration and, in a §3(21) engagement, the final investment decision. This service is investment advisory support; it is not legal advice, tax advice, plan administration, recordkeeping, TPA service, payroll support, or an ERISA legal opinion. Sponsors should consult qualified ERISA counsel for legal questions and should review all plan decisions under the plan document and applicable law.
Fees vary by the fiduciary role selected and are negotiable based on plan size and complexity. When a plan engages Aurea, fees are billed quarterly in arrears based on quarter-end plan assets, as provided in the written agreement with the plan. See Form ADV Part 2A, Items 4 and 5, for retirement plan services and the fee schedule for each role.
ERISA and retirement plan fiduciary matters require legal and compliance review. Aurea does not guarantee plan outcomes, employee participation, investment performance, or fee reductions. All investing involves risk, including possible loss of principal.
IMPORTANT DISCLOSURES
Investment advisory services offered through Aurea Investments LLC, an investment adviser registered in Wisconsin and Illinois. Registration does not imply a certain level of skill or training. Investing involves risk including potential loss of principal. No investment strategy can guarantee profits or protect against losses in a declining market.
Website content is educational and is not individualized investment, tax, legal, ERISA, reimbursement, or healthcare regulatory advice. Client-specific recommendations are provided only through an advisory relationship and written scope of engagement.
Assets are held at qualified custodians specified in client account documents, with statements delivered directly by the custodian. Past performance does not guarantee future results. No performance, fee-savings, tax-savings, or plan-compliance outcome is promised.
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