Does Your Business Have a Great 401k?

Offering an excellent retirement plan can be key in attracting and retaining top talent. In today’s 401(k) marketplace, our experience tells us plan sponsors are looking for four main benefits:

  • Minimal implementation costs
  • No stress compliance
  • Solid track record from the investment options
  • Quality client service and employee education resources

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The Oxford advised 401(k) platform achieves all of these goals for you:

Financial Wellness

The financial needs of your employees come in all shapes and sizes, meaning different goals and objectives need to be addressed. All employees, whether they are struggling with debt or managing a large nest egg in preparation for retirement, can benefit from objective, unbiased advice.

For participants interested in a more in-depth look at their financial plan, we will take them through our proprietary Financial Wellcheck.

Participant Services

A main point of frustration for a contributing employee in a 401(k) plan is very simple: Where exactly should I be putting my hard-earned money? People may recognize popular catchphrases like “Asset Allocation”, “Diversification”, and “Risk Tolerance”, but what exactly do they all mean?

By providing one-on-one guidance for participants, Oxford is able to assist your employees in understanding how their benefits truly benefit them.

Plan Benchmarking

Oxford will work with you to benchmark your retirement plan and provide support to help you evaluate the platform, the fees, and the services offered to you and your employees.

Fiduciary Support Services

As a plan fiduciary, it is your duty to act solely in the best interest of the participants and their beneficiaries. Oxford can operate as your valued partner in making sure your responsibilities are met.

Our fiduciary support services include:

  • 3(21) or 3(38) Investment Fiduciary Services, offered via multiple 3rd party partners
  • Monitoring of fund performance and managing the watchlist and replacement process
  • Helping you prepare for audits
  • Providing you with comprehensive plan provider review and benchmarking, including in-depth comparisons of plan features and fee transparency

Investment Methodology

As a plan fiduciary, your primary responsibility is to make decisions on your 401(k) that are in the best interest of your participants. As a result, developing an investment menu for participants goes beyond simply numbers.

Oxford will help you develop a diversified investment lineup that strives for consistency and flexibility. From employees nearing retirement to those just starting out, the lineup you present should allow every participant the ability to diversify for their specific needs and become retirement ready.