Corporate Retirement

401(k) ◦ 403(b) ◦ Safe Harbor 401(k) ◦ SIMPLE 401(k) ◦ Profit Sharing ◦ SEP IRA ◦ SIMPLE IRA ◦ 457 Plans

RCM Corporate Benefits create efficient and comprehensive strategies designed to manage your risk, retain your best employees and attract new talent to your business.

 

Services

  • Corporate Retirement Plans
  • Company Risk Management
  • Insurance

 

Support

Fit. We will work with you one-on-one to determine the type of plan that best fits your needs. Choose from a wide range of benefits such as 401(k)s, IRAs, Pensions and more.

Education. Our customized services don’t end at the business ownership level; the same tailored service is given to each and every employee.

Process. We help you set an objective, investment time horizon and a risk tolerance level to create your custom-fit plan.

 

Questions you should be asking:

  • Do you have an investment policy statement; are you following it?

  • Do the investment options in your plan continue to represent the asset classes for which they were originally chosen?

  • When did you most recently complete an independent ‘Benchmark’ or ‘Audit’ of your plan?

  • Do you know all of your plan costs and how they are allocated between the company and participants, including 12b-1, revenue sharing, and asset management fees?

  • Are you fully prepared for the impact of 408(b)(2) and 404(a)(5)?

    Is your plan 404(c) complaint? If you are 404(c) complaint, is your plan currently covered by a Fidelity Bond?

  • Do your investment options include “model portfolios”, “lifestyle” type portfolio choices, or a “QDIA”?

  • Is there a system in place for participants who retire or leave the company, to assist with rolling over plan assets to a new investment vehicle?

  • Does your advisor work only at the plan level, or at both the plan and employee levels?

  • Are all plan fiduciaries aware they are fiduciaries and are they aware of the meaning, responsibilities, and extent of their potential personal liability? Have all fiduciaries signed a fiduciary agreement?