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.
The first engagement can be a one-time review or the start of a recurring support relationship. Either way, 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 acts as a non-discretionary ERISA §3(21) investment adviser to plan fiduciaries. The plan sponsor retains discretionary authority over plan administration and 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.
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.