Services
401(k) Consulting
Over time, many plan sponsors become complacent believing that, because their 401(k) plan is participant-directed, they are relieved of the fiduciary liability for conducting ongoing due diligence on the investment options offered by their plan. At Equitas Capital Advisors we have over twenty-five years of experience in evaluating investment options in 401(k) plans.
Our comprehensive review and evaluation process includes:
- Written Investment Policy Statement
- General Analysis of Investment Options
- Number of Investment Options Offered
- Investment Styles Offered
- Security Overlap Within Investment Options
- Detailed Analysis of Investment Options
- Rolling Period Returns
- Distribution of Returns
- Correlation of Investment Options
- Universe Analysis
- Relative and Absolute Measures
- Detailed Analysis of Service Providers
- Plan Administration and Recordkeeping
- Plan Structure and Options
- Investment Options
- Fee Structure
- Detailed Analysis of Plan Demographics
- Development of Model Portfolios
- Minimum of Three, Maximum of Five
- Conservative, Moderately Conservative, Moderate, Moderately Aggressive, and Aggressive
- Distinctly Different Asset Allocations
- Distinctly Different Risk-Reward Characteristics
- Fund Specific Recommendations
- Minimum of Three, Maximum of Five