Qualified Retirement Plans

Services to make administration easy

  • 401(k) Plan Consulting & Fiduciary Services
  • Fiduciary Services 3(21) and 3(38)
  • Plan Trustee Guidance and Consulting
  • Participant Education
  • Product/Platform Competitive Analysis
  • Fee Analysis
  • Defined Benefit Plan Investment and Risk Management

401(k) Plan Consulting & Fiduciary Services

401(k) Plan Consulting & Fiduciary Services

As an employer, you know that part of maintaining a competitive edge in attracting a talented team means offering a 401(k) plan that ensures your employees’ satisfaction, loyalty, and longevity, while also benefitting your bottom line.

Managing and understanding the complexity in choices and the fiduciary responsibilities that come along with administering 401(k) plans can be a challenging process. You understand the importance of creating a positive and engaging experience for your employees, one that helps them plan and prepare for their financial futures. However, you also have a business to run and do not have the dedicated time or available resources to devote to navigating the 401(k) landscape.

That’s where we come in. At H&A, we have more than 25 years of experience in helping employers and business owners design and administer great 401(k) plans; these plans enable employees to take better control of their financial futures and provide them with a better understanding of how you are helping them get there.

H&A’s consultative process focuses on flexible open architecture platforms, transparency, and low costs. Our resources and experience in implementing outstanding participant plans and education programs ensures that your employees know what you’re offering, and that they take full advantage of the benefits you are providing.

Let our experience work for you, so you can get back to work at your business.

Fiduciary Services 3(21) and 3(38)

3(21) and 3(38) Fiduciary Services in Pittsburgh

As a retirement plan sponsor, you’re focused on providing your employees with the resources they need to take control of their financial future. At the same time, this isn’t a responsibility you take lightly, as you want to make sure that you fully understand and comply with the necessary regulatory obligations.

As an SEC-registered investment advisor with more than 30 years of experience in advising retirement plans, H&A’s team of financial professionals are well-qualified to be your retirement plan fiduciary partner. Our comprehensive 3(21) and 3(38) fiduciary services serve as the roadmap to fulfilling your ERISA fiduciary responsibilities. We will help you create a fiduciary process that enables efficient coverage for the key areas of service, investments, fees and expenses, and disclosures.

Plan Trustee Guidance and Consulting

Retirement Plan Trustee Guidance and Consulting

Your employees are your most important asset, so of course you want to take care of them. But time is money, so you can’t have your CFO or HR director getting bogged down in the details.

We’ll organize plan reviews, create an investment policy statement and fiduciary file, and provide fee benchmarking and investment monitoring and reviews. We’re here to make your life easier.

Participant Education

Participant Education

To us, success looks like plan participants who are well-informed and well-educated about their plan benefits, and who are encouraged to grow and accumulate sufficient savings for retirement.

We pay close attention to plan participation and deferral measures. We continuously strive for improvements in those areas through on-site and remote education and enrollment presentations. We work hard to ensure that our clients’ HR departments are satisfied, plans run smoothly, issues are resolved quickly and comprehensively, and the needs of plan participants are continuously met.

Product/Platform Competitive Analysis

Retirement Platform Analysis

Your organization’s retirement plan reflects your dedication and commitment to your employees. That’s why our rigorous due diligence process ensures that every aspect of your record-keeper platform is participant-friendly, cost-effective, and provides outstanding investment options, education, and tools.

Fee Analysis

401(k) Fee Analysis

A key component of our fiduciary process focuses specifically on plan costs. Our Fee Comparison and Analysis evaluation delivers a comprehensive report that includes an analysis of investment management fees, recordkeeping fees, advisor/consultant fees, total plan fees, as well as plan features and benefits.

Defined Benefit Plan Investment and Risk Management

Defined Benefit Plan Investment and Risk Management

Combined, our investment advisors and portfolio managers have more than 100 years of market experience that spans more than three full market cycles. Our experience is invaluable in providing strategic and tactical asset allocation guidance to our clients and enables us to provide a steady hand during periods of market turbulence.

We offer a comprehensive suite of services to our defined benefit pension plan clients, including:

  • Return objective & risk tolerance consulting, including developing or updating an investment policy statement
  • Strategic asset allocation consulting
  • Investment portfolio construction, management, and review
  • Portfolio risk management
  • Tolerance band portfolio rebalancing
  • Tactical investment consulting and positioning
  • Portfolio cash flow management and financial planning
  • Performance measurement and benchmarking to indices
  • Customized account review process, including quarterly reporting and review meetings

Speak with an H&A Advisor

We’re only a phone call or email away. Whether you have a question about building and managing your wealth or planning for your future, or if you just want to get to know us better, we would love to hear from you.