Review My Plan
For plan sponsors, business owners, HR leaders, CFOs, and other retirement plan decision-makers.
Are you a participant who thinks your company’s plan deserves a second opinion? Introduce me to the person responsible for the plan and I’ll take it from there.
Ready? Scroll down and submit your plan documents below and I’ll take an initial look.
Not sure whether your 401(k) fees, investments, or service arrangement still make sense?
Send me what you have. I’m happy to take an initial look and give you a straightforward second opinion.
You can upload your fund lineup, fee disclosure, participant fee notice, service agreement, provider proposal, benchmarking report, or other plan documents.
For an initial review, I’ll look for things like:
- Investment fees and fund quality
- Target-date funds
- Recordkeeping and advisory fees
- Service providers
- Fiduciary structure
- Investment overlap or unnecessary complexity
- Anything that looks unusually expensive, weak, or worth a closer look
A quick look is free. A full fiduciary review is different.
There are plenty of free benchmarking reports in the 401(k) business. Most of them are ultimately sales tools.
If you want a more comprehensive, independent review of the plan — including detailed fee analysis, investment review, provider compensation, fiduciary responsibilities, service structure, and specific recommendations — I offer a formal Independent Fiduciary Review starting at $50 per participant (Minimum fees apply. A limited-scope advisory agreement is required.)
That is a paid consulting engagement, not a sales presentation.
You receive a written assessment of what I would keep, what I would question, what may be worth renegotiating, and where I think the plan could be improved.
There is no obligation to hire me for ongoing services afterward, however if you do a discount for fees already paid may apply.
No sales pitch.
You do not have to schedule a meeting or sit through a presentation just to send me something.
For an initial look, I’ll review what you send and tell you whether anything jumps out.
If you want to go deeper, we can talk about a formal fiduciary review or ongoing support. Either way, it’s your call.
Not sure what to send?
Start with whatever you have.
A recent fee disclosure, investment lineup, participant notice, provider proposal, or plan statement is usually enough for me to get started. If I need something else, I’ll let you know.
Common provider document names
ADP — Compensation and Fee Disclosure Document
Principal — Retirement Plan Fee Summary
Paychex — Retirement Plan Fee Disclosure
Empower — Plan Fee Disclosure for Plan Fiduciaries
Fidelity — Statement of Services and Compensation
Voya — Summary of Investment Expenses and Indirect Compensation
Can’t find any of this? Submit the form anyway. I’ll tell you exactly what to request and where to find it.
Please remove participant information before uploading documents.
Do not submit Social Security numbers, dates of birth, home addresses, personal email addresses, account numbers, individual participant balances, payroll records, beneficiary information, or other personally identifiable or sensitive participant information.
Plan-level information is generally all I need for an initial review.
Ready?
What I actually do
Cut through the noise. I help small business owners avoid overpriced, underdelivered 401(k) plans. No fluff, no pushy salespeople—just straight answers and smarter plan design.
