The Longevity360™ Retirement Plan System

401(k) oversight support designed to help plan sponsors fulfill their fiduciary responsibilities with clarity and confidence.

A retirement plan should do more than check a benefits box.

It should help you attract and retain great people, strengthen employee financial confidence, and support your long-term business goals without adding complexity, unnecessary fees, or compliance uncertainty.

That’s why we built The Longevity360™ Retirement Plan System: a proactive, documented, year-round oversight and education framework designed to support plan sponsors, not replace them, as they carry out their fiduciary responsibilities.

Why Your 401(k) Matters More Than Ever

In today’s labor market, employees don’t just evaluate compensation.

They evaluate trust.

A well-supported retirement plan signals stability, care, and long-term commitment.

A neglected one quietly erodes confidence.

Financially confident employees are:

• More focused and productive

• Less stressed and less likely to miss work

• More loyal to their employer

• More engaged and motivated

Most retirement plans don’t struggle because of bad intentions.

They struggle because plan sponsors are asked to manage complex responsibilities without structured support.

The Challenge for Plan Sponsors

For many business owners, overseeing a retirement plan feels overwhelming.

Common challenges include:

• Understanding fiduciary roles and responsibilities

• Keeping up with ERISA, IRS, and Department of Labor requirements

• Evaluating fees and provider costs

• Supporting effective employee use of the plan

• Reviewing investments and documenting decisions

• Aligning plan design with business goals

You remain the fiduciary.

But you don’t have to navigate these responsibilities alone.

Introducing the Longevity360™ Retirement Plan System

A structured governance and education framework for plan sponsors.

Longevity360™ provides an organized, repeatable process that helps plan sponsors:

• Understand their responsibilities

• Make informed decisions

• Document oversight activities

• Improve plan outcomes over time

We do not act as the plan fiduciary.

Instead, we provide guidance, analysis, education, and documentation support so you can fulfill your role with greater clarity and confidence.

This is not a once-a-year review.

It is a year-round system designed to support prudent plan oversight.

The Four Pillars of Longevity360™

1. Fiduciary Support Review™

Clarity, structure, and documentation support.

A structured review cycle designed to help plan sponsors identify potential risks, understand responsibilities, and document oversight activities.

You receive:

• Clear summaries of fiduciary considerations

• Meeting agendas and review frameworks

• Action items and follow-up tracking

• Documentation support for oversight discussions

The result: better-informed decision-making and a more defensible governance process.

2. SmartFees Benchmark Assessment™

Fee transparency to support informed decisions.

A data-driven comparison of your plan’s fees against national benchmarks for similar-sized plans.

We provide:

• Fee analysis and benchmarking

• Identification of potential cost concerns

• Support in evaluating service provider pricing

• Ongoing monitoring to track changes over time

All fee decisions remain with the plan sponsor.

3. Investment Monitoring Support™

Analysis aligned with your Investment Policy Statement.

Rules-based investment analysis designed to support sponsor review and discussion.

We evaluate:

• Performance and risk metrics

• Manager tenure and consistency

• Expense ratios and cost efficiency

• Alignment with stated plan objectives

We provide analysis and recommendations for consideration.

Final investment decisions are made by the plan fiduciaries.

4. Employee Advantage Learning Labs™

Education that supports better employee outcomes.

Short, modern financial wellness and retirement education delivered onsite, virtually, or on demand.

Designed to:

• Improve participation and savings behaviors

• Increase employee understanding of plan benefits

• Reduce financial stress

• Support overall plan effectiveness

Education is provided in a non-fiduciary, non-advisory capacity.

What Longevity360™ Delivers to Your Business

• Structured oversight support
  A repeatable process that helps plan sponsors stay organized and informed.

• Regulatory awareness
  Ongoing education related to ERISA, IRS, and Department of Labor considerations.

• Fee transparency
  Data and benchmarking to support prudent fee evaluation.

• Investment analysis support
  Clear reporting designed to inform fiduciary discussions.

• Engaged employees
  Education that improves understanding and participation.

Longevity360™ is designed to support, not replace, the plan sponsor’s fiduciary role.

Longevity360™ Plan Health Check

A clarity-focused review for plan sponsors.

Our complimentary Longevity360™ Plan Health Check reviews seven areas commonly associated with plan oversight and governance:

• Fees and expenses

• Investment lineup structure

• Fiduciary process documentation

• Employee engagement

• Plan design considerations

• Service provider structure

• Governance and oversight practices

You’ll receive a clear summary outlining observations and potential areas for discussion, without pressure or obligation.

Ready to Strengthen Your 401(k) Oversight?

You carry the fiduciary responsibility.

We help you carry it well.

Schedule your Longevity360™ Plan Health Check to gain clarity, organization, and confidence in your retirement plan oversight process.

Support your plan. Protect your business. Empower your employees.