Retirement Plan Optimization Services for Plan Sponsors Nationwide
Your retirement plan demands more attention than you have time to give. Between ERISA regulations, investment monitoring, and fee benchmarking, fiduciary responsibilities keep growing. PointOak Retirement Advisors helps plan sponsors achieve better retirement outcomes and long-term financial security for employees.
Named 3(21) or 3(38) fiduciary status
90%+ revenue from retirement plans only
$120 billion in retirement assets evaluated quarterly
Why Choose Us for Retirement Plan Optimization?
The DOL recovered $1.4 billion in FY 2023 from ERISA enforcement, making fiduciary liability protection essential for plan sponsors managing retirement accounts. PointOak generates over 90% of revenue from corporate retirement plans, with particular focus on helping private sector employers achieve financial goals for their workforce.
Our independence makes a significant difference. We provide guidance without pressure to push proprietary products. Our advisors act as named fiduciaries, allowing employees to benefit from unbiased investment strategies and optimizing income potential in their retirement savings.
Our Retirement Plan Optimization Services
Fiduciary Support
Your fiduciary support needs extend beyond compliance. We act as your 3(21) or 3(38) named fiduciary, helping decrease risk of personal liability while navigating regulations. We document everything in your Virtual 401(k) Fiduciary File for audit defense.
Highlights:
- Direct fiduciary liability protection
- Complete documentation for audits
- Ongoing regulatory monitoring
Provider and Fee Benchmarking
Our provider and fee benchmarking uses a Live Bid process reviewing 450+ data points per bidder. Analysis demonstrates where you can save money on plan costs. Taking advantage of benchmarking is one of the most effective ways to boost retirement income for retirees.
Highlights:
- 450+ data points analyzed per provider
- Custom Live Bid benchmarking process
- Fee negotiation support included
Investment Analysis
Our investment analysis methodology evaluates $120 billion quarterly using a 10-point scoring system. We assess risk factors, asset managers, expense ratios, and performance to build investment menus maximizing return potential. Our analysis covers tax-deferred accounts, taxable accounts, and fixed income options including municipal bonds for long term financial planning.
Highlights:
- Proprietary 10-point scoring system
- Quarterly monitoring with recommendations
- Asset allocation guidance included
Plan Design
Our plan design services help create DC plans that drive better outcomes. Auto-enrollment and employer matches boost personal savings rates significantly. We benchmark against peers and implement creative solutions for boosting personal savings rates across your workforce.
Highlights:
- Auto-enrollment and escalation guidance
- Peer and industry benchmarking
- Implementation support with providers
Target Date Fund Consulting
Our TDF consulting evaluates glide paths, fees, and asset managers for participants approaching retirement age. We help determine whether traditional TDFs or customized solutions deliver guaranteed lifetime income potential through their average lifespan.
Highlights:
- Glide path comparison analysis
- DOL compliance documentation
- Participant communication support
Education and Communications Programs
Our education programs help employees understand employer contributions, Roth conversions, tax brackets, and the value of tax-free accounts versus tax-deferred options. Licensed advisors lead sessions on wealth building, social security benefits, and retirement strategy planning.
Highlights:
- Licensed advisors lead sessions
- Group and individual options
- Focus on retirement readiness
Common Retirement Plan Optimization Challenges
| Challenge | What It Looks Like | How We Help |
|---|---|---|
| Fiduciary liability exposure | ERISA lawsuits average $12 million settlements. Personal risk for fiduciaries managing retirement assets grows. | Named fiduciary services with Virtual 401(k) Fiduciary File documentation for audit protection. |
| Hidden fee structures | Revenue sharing and wrap charges hide true costs. Many plans spending 30-50% more than necessary. | Live Bid benchmarking reveals all-in costs, giving leverage to save money through negotiation. |
| Investment selection complexity | 40,000+ funds available. Evaluating risk, performance, and tax implications requires specialized focus. | 10-point scoring evaluates $120 billion quarterly with clear pass/fail recommendations. |
| Low participation rates | Only 53% of private sector workers participate. Employee contributions remain below average retirement age needs. | Plan design with auto-features and education drives higher personal savings rates. |
| Defined benefit to DC transitions | Companies shifting from defined benefit plans need guidance on defined contribution plan optimization. | We help structure DC plans delivering guaranteed income potential for retirees. |
| Poor retirement readiness | Employees lack sufficient assets for financial security. Social security alone won't cover future needs. | Holistic approach combining investment guidance, plan design, and education for better outcomes. |
What To Expect: Our Process
Analyze
We review your plan's investments, fees, and processes to identify opportunities for more retirement income.
Optimize
You receive strategies for adjusting asset allocation, plan design, and provider relationships aligned with financial goals.
Implement
We handle implementation details, allowing employees to benefit from changes while you focus on business.
Monitor
Quarterly reviews ensure your defined contribution plan maintains value and supports lifetime income goals.
About PointOak Retirement Advisors
PointOak Retirement Advisors is an independent retirement plan consulting firm headquartered in McLean, Virginia, serving plan sponsors nationwide. The firm generates over 90% of its revenue from corporate retirement plans and acts as a 3(21) or 3(38) named fiduciary under ERISA with every client. PointOak evaluates over $120 billion in retirement plan assets quarterly.
Frequently Asked Questions
Fees typically range 0.10%-0.40% of assets depending on plan size and scope. We provide transparent pricing showing value delivered. Our process ensures total plan costs support employees building wealth for their future retirement.
We generate 90%+ revenue from retirement plans (not generalists). All advisors act as named fiduciaries. Independence means guidance without proprietary products. Our 10,000+ annual benchmarks demonstrate particular focus on plan sponsor outcomes and employee benefits.
DOL recommends every three years minimum. Annual reviews are most effective ways to maintain competitive fees. Our Live Bid process uses current data for accurate analysis.
A 3(21) provides guidance while you retain decisions. A 3(38) takes discretionary control over investment selection. Both decrease risk of personal liability.
We measure risk factors, expense ratios, peer rankings, and manager tenure. Our 10-point system helps with maximizing return potential across retirement accounts.
Yes. Auto-enrollment and employer matches significantly boost personal savings rates. Taking advantage of these features drives better retirement income outcomes for employees.
We provide guidance on tax-deferred accounts, tax-free accounts, Roth conversions, and tax brackets to help employees optimize income and build long-term financial security.
Better investment options, lower fees, and improved plan design create more retirement income. Participants approaching average retirement age gain guaranteed lifetime income potential.
Investment advisory services offered through PointOak Retirement Advisors, LLC. This site is published for residents of the United States only. PointOak Retirement Advisors, LLC does not provide tax or legal advice.
Ready to Simplify Your Financial Life?
Schedule a complimentary consultation to discuss your financial goals and how we can help. There's no cost for the initial meeting. No obligation. Just a conversation to see if we're the right fit for your needs.
What To Expect
Our initial consultation typically lasts 30–45 minutes. We'll discuss your goals, current situation, and how we might work together. Come prepared with questions.