Fiduciary plan consulting that reduces your liability, improves participant outcomes, and helps you keep the people you can't afford to lose.
Fee compression, fund-lineup drift, and shifting fiduciary standards mean a plan that was competitive in 2023 may quietly be exposing you today.
As a plan sponsor, you carry a personal fiduciary duty most owners don't fully realize they've taken on — and "we've always used this provider" is not a defense.
This is where I spent years of my career: building retirement infrastructure at platform scale. I know what a good plan looks like from the inside — and what most owners are overpaying for.
A head of finance mentioned, almost in passing, that the company 401(k) “wasn’t performing.” It wasn’t underperforming — it was barely used: only three in ten employees participating, a benefit the company paid to maintain and most of the crew never touched. The fix wasn’t a better fund lineup. It was reversing inertia — automatic enrollment, gentler fees, contributions that step up on their own, and someone on-site every quarter explaining to a twenty-six-year-old what a match is worth over thirty years. Participation went from three in ten to nine in ten, with the same crew and the same wages. And that was only the first layer of what a routine plan review turned up.
That’s the Keystone partners’ story. Read the case →
A clear-eyed look at whether you're meeting your obligations as a sponsor — and where you're exposed.
What you're actually paying versus the market, and whether your investment menu still earns its place.
Safe harbor, profit sharing, cash balance, and defined benefit structures that let owners maximize their own savings.
Whether your people are actually on track to retire — and what plan design changes move the needle.
A competitive plan as a recruiting and retention tool, not just a compliance checkbox.
A practical benchmarking checklist covering fees, fund lineup, fiduciary process, and participant outcomes — the same review we run with sponsor clients.
We follow up exactly once. No spam, no list-sharing, ever.
Start with a conversation. Thirty minutes, no obligation, no pitch — just an honest look at where you are and where you want to go.
Schedule a ConversationIndependent · Fiduciary · Serving business owners and families nationwide from Chicago, IL