401(k) / 403(b) Plan Consulting

Investment Due Diligence

The fiduciary responsibility of plan sponsors has never been more intense, and the demand for performance never greater. When you work with Marcotte Wealth Management, you gain the benefit of our Investment Due Diligence process. We have the ability to monitor the investments in your portfolio independently, regardless of your plan’s vendor. We use the exclusive, proprietary RPAG Scorecard System to establish the evaluation process of the fund manager performance. Our in-depth, independent analysis allows us to cater the investment meetings to your needs.

Fee Benchmark and Vendor Analysis

Annual reviews, requests for proposals, fee disclosures, vendor benchmarking and investment analysis are all demands that require prudent risk management. Few sponsors can afford to work alone. One way to protect yourself, your company and your plan participants is to utilize our Fee Benchmark and Vendor Analysis process. Our Fee Benchmark and Vendor Analysis will measure the suitability of plan fees, services, and investments with reasonable certainty. Our analysis examines a wide range of benchmark indicators including:

• Record Keeping
• Technology Services
• Employee Communication
• Compliance
• Investment Management
• Total Fee Analysis

Employee Education Guidance Programs

Employee education and advice programs are becoming a focal point of the Department of Labor. Employees can become inundated with all the benefit choices they have to make; when it comes to selecting investments, they are often at a loss. Marcotte takes the education responsibility out of your hands. Working with your current vendor, we will customize an education program strategy that best meets the needs of the employees as well as the company. While having large meetings is a great way to reach all of your employees, we also offer the ability to meet individually with a participant. This includes walking through an asset allocation questionnaire and helping each individual to invest with confidence.

Plan Sponsor

Are you a plan sponsor? Get more information through these resources:

• Plan sponsor news
• Sign up for Webinar Invites
• Sign up for Monthly Plan Sponsor Newsletters
• Request an appointment

Helpful Links

• DOL Voluntary Fiduciary Correction Program (VFCP)
• 401(k) HelpCenter
• American Society of Pension Professionals & Actuaries
• Employee Benefit Research Institute
• Internal Revenue Service – Retirement Plans
• Profit Sharing Council of America
• FINRA