401k Tune-Up Services | Lehigh Valley Top 401k Advisors

We are not looking to change your current 401k plan provider!  We understand what a logistical and administrative nightmare that can be. That is not what we do. What we do is perform a 401(k) Tune-up. We make sure that your 401(k) is running efficiently because, almost always, we find that companies are paying way too much for their plan (Internal Fund Expenses, Administration Fees and Advisor Fees).

3 Sources of Fees: Plan Administration, Advisor and Investment Fund expense. We save companies significant amounts of money by renegotiating the plan costs with your current provider (again, not change your provider). As the assets in your plan increase, your asset fee percentage should decrease. But no one is going to tell you that! All we do is hold your current provider accountable and renegotiate your fee structure.

We also save you money by cleaning up your participant list. When former employees leave, but their 401k assets are still in your plan, that generates an additional monthly fee for your company. WE, not you, reach out to those former employees, we assist them in transferring their assets out of your plan and into their own personal account. The result is: it saves you money every month and it streamlines your internal responsibilities.

As a plan provider, you have certain obligations as a fiduciary to your employees. Your current Fiduciary Responsibilities are:

• Review your plan regularly. (The IRS has determined every 3 years is satisfactory for plans that have less than 100 EEs and annually for 100+ EEs.)
• Make sure your plan is cost efficient.
• Provide a diverse group of quality investment options.
• Provide Participant Educational Opportunities.

At Top 401k Advisors, we take all the pressure off of you to maintain your responsibility as a fiduciary. We do the work so you can stay focused on what you and your employees do best.