RBF’s comprehensive approach delivers tailored solutions to qualified and non-qualified retirement plans.
Our services include all aspects of helping you manage your retirement plan—from governance, investments, operations, education and plan design. We focus on reducing fiduciary risk for the plan sponsor and their oversight committees, simplifying the day to day plan operations teams and improving employee retirement readiness.
A traditional 401(k) plan provides employees with a tax-advantaged way to save for retirement through payroll deductions, while offering employers flexibility in plan design, contributions, and employee benefits.
Benefits
A Pooled Employer Plan (PEP) allows unrelated businesses to participate in a single retirement plan, helping reduce administrative responsibilities while maintaining many of the advantages of a traditional 401(k).
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A PEO-sponsored Multiple Employer Plan (MEP) combines retirement plan services with payroll and HR administration, helping employers streamline benefits administration and reduce plan-related responsibilities.
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Click PEO Specific Services below to find out about these services.
A 403(b) plan is a retirement savings program designed specifically for employees of public schools, non-profit organizations, and certain tax-exempt entities.
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A 457 Plan is a tax-advantaged retirement plan commonly offered by governmental entities and certain non-profit organizations, offering flexible withdrawal rules and additional retirement savings opportunities.
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A Cash Balance Plan is a defined benefit retirement plan that allows business owners and highly compensated employees to make substantially larger tax-deductible retirement contributions than typically available through a 401(k) plan alone.
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A profit sharing plan allows employers to make discretionary contributions to employee retirement accounts, providing flexibility to vary annual contributions based on business performance and objectives.
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In a competitive market where top talent is at a premium, retaining key employees is a crucial aspect of any successful business strategy. One increasingly popular method for keeping valuable staff members on board is through deferred compensation plans. These plans, when executed well, can offer a win-win scenario for both business owners and employees.
Benefits
RBF provides plan governance support backed by industry best practices, DOL guidance, ERISA counsel, and relevant case law. We also deliver foundational documentation and ongoing fiduciary training.
Ongoing Plan Governance Services Include:
While monitoring plan design for compliance and competitiveness is essential, RBF believes it is just as important to evaluate it based on the value delivered to the plan sponsor. Plan sponsors should expect a return that clearly outweighs the cost of the plan.
Our Plan Design Services Focus On:
RBF combines industry expertise with client plan demographics to identify the most effective ways to educate and engage participants. We often find that standard education campaigns provided by recordkeepers fall short of delivering meaningful results, yet continue to be repeated year after year. Since participants ultimately bear the cost of these efforts, refining and optimizing the communication strategy can lead to more impactful engagement and better outcomes.
Services In This Area Include:
RBF’s approach to recordkeeper consultation focuses on understanding the full scope of services provided and ensuring that both plan sponsors and participants are paying appropriate fees for the value received. We often find that plan sponsors are not fully aware of all the services their recordkeeper offers, and increasing that awareness can unlock additional value and improve overall plan effectiveness.
Services In This Area Include:
Core Investment Services Include:
RBF helps plan sponsors evaluate whether plan fees are reasonable, competitive, and aligned with the services being provided. We review total plan costs, analyze fee structures, benchmark pricing against comparable plans and market data, and identify opportunities to improve overall value.
Ongoing Fee Analysis & Benchmarking Services Include:
We would love to hear from you, reach out to us today!
Schedule a complimentary consultation with one of our advisors— no obligation, no pressure.
