Do you sponsor a retirement plan? Is it the right plan for you and your employees?

In our work with business owners and employees, we have seen many 401(k) plans and there are many disturbing similarities:

First, they are expensive. Most employers do not know how much their retirement plans actually cost them and their employees because of the way significant expenses and fees are hidden. In fact, special training and resources are needed to locate and properly calculate the costs. Do you know, really, how much your retirement plan costs?
Second, they are time consuming. Employers do not want to use valuable staff time administering a retirement plan. This diverts you from your company’s real mission. Do you know how much productive staff time is lost because you have a retirement plan?
Third, business owners take on significant risk by sponsoring a retirement plan. Business owners and their involved staff are functioning as fiduciaries although they do not have the expertise necessary to properly administer a retirement plan. Were you aware that you are taking on liability because you are sponsoring a retirement plan?
Fourth, very few business owners or employees know how to develop and consistently maintain an appropriate investment strategy. For this reason, studies have shown that retirement plan growth rates are substantially below professionally managed portfolios. Did you know that self-directing your investments may be delaying your retirement?

A Plans to Prosper^® advisor will meet with you to show how you can start a retirement plan, or change to a retirement plan that:

Will significantly reduce costs to you and your employees,
Will significantly reduce the time spent by you and your employees,
Will insulate you from the risk of operating the plan,
Will provide professional investment management for you and your employees.

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