A Retirement Plan
Has to Hold Up
For growing firms, a 401(k) plan is not just a benefit. It sits at the intersection of fiduciary responsibility, tax strategy, employee retention, and enterprise value. The question is whether it can be demonstrated, defended, and sustained over time.
A Retirement Plan
Has to Hold Up
For growing firms, a 401(k) plan is not just a benefit.
It operates across fiduciary responsibility, tax strategy, employee retention, and enterprise value. The question is whether it can be demonstrated, defended, and sustained over time.
Most plans appear stable. That does not mean they are structured to be evaluated, documented, and defended when it matters.
A defined system for how oversight is
executed, reviewed, and documented
401(k) advisory is not periodic check ins or reactive support.
It is the structure behind how fiduciary oversight is carried out consistently over time.
At Longevity Wealth Strategies, our role is precise.
One system.
Maintained over time.
Retirement plan oversight breaks down when it is handled as a series of isolated decisions. The Longevity360™ system replaces that with a defined structure operating through four ongoing pillars and evaluating the plan across seven critical areas that determine cost, governance quality, participant outcomes, and long term plan integrity.
Total plan cost, fee structure, and benchmarking against comparable plans to determine whether costs are reasonable and documented.
Fund structure, cost efficiency, and default investment design to ensure alignment with participant behavior and long term outcomes.
Eligibility, match design, and automatic features that influence participation and savings behavior.
Participation rates, savings behavior, and plan utilization to determine whether the plan produces meaningful results.
Governance process, decision structure, and documentation quality to ensure fiduciary responsibilities are supported and defensible.
Coordination across recordkeepers, TPAs, and advisors to ensure operational efficiency and accountability.
Filings, oversight processes, and potential exposure areas to identify gaps before they become problems.
The difference is not visible until
it is too late to ignore.
A structured view of how your
plan holds up
This is the entry point into the Longevity360™ system. The review applies the seven area framework to your current plan and surfaces where structure is strong, where coordination is incomplete, and where exposure may exist.
Maintaining the system
over time
Once established, the system is supported through four ongoing pillars. Oversight is not a one time exercise. It is a process that must be maintained.
A defined governance rhythm with structured agendas, review summaries, and documentation frameworks designed to strengthen ERISA governance discipline over time.
Comparison of plan fees against similarly sized plans to determine whether costs are reasonable and properly documented.
Rules based analysis aligned with your Investment Policy Statement, including performance trends, expense evaluation, and risk consistency.
Structured education designed to improve decision making, participation, savings behavior, and benefit understanding.
Our retirement plan advisory services
are best suited for:
An unstructured plan introduces risk quietly over time.
Enterprise level support.
Local advisory execution.
Through platform relationships with Prudential, LPL Financial, and others, plan sponsors gain access to institutional retirement plan infrastructure, compliance depth, and analytical resources typically associated with national advisory firms, delivered through a local advisory relationship that knows your business.
If you are responsible for your
company's retirement plan,
this is where structure begins.
The review applies our seven area framework to your current plan. You receive a clear summary outlining what is strong, what is incomplete, and where further discussion may be warranted. No obligation. No commitment required.
Request a 401(k) Governance ReviewNo disruption to existing providers. No product replacement pressure. Just a structured evaluation of your current plan.