401-k Plans

ClearRock Capital's Commitment 

Your long term financial future is likely highest on your list of concerns for you and your employees. Of all your financial needs, retirement has become a significant challenge for individuals and employers alike. Volatile markets, high investment costs, and changing regulations have created a difficult planning environment. Our value proposition for retirement plans is simple:

1. We act as your fiduciaries. We advise both the Plan Committee and participants under ERISA guidelines. This helps lower your liability, workload, and stress.

2. Eliminate unnecessary costs and fees. (Savings up to 85% over current plan.) Lower costs and fees will enhance plan performance and lower corporate administrative expenses.

3. A disciplined and high-touch employee planning/education/review process. Our goal is to increase the probability of employee participation and investment success.

We strive to ensure your success through:

1. Procedural Prudence – fiduciary responsibility (liability) is based on process, not performance

2. Investment Policy Statement – we help you prepare and maintain this critical document

3. A System of Transparency – you have a duty to control and account for all plan expenses/fees

4. Safe Harbor Procedures – we help you navigate areas such as 404-c, QDIAs, Auto Enrollment.

A significant number of our clients are corporations with defined contribution (401-k) or defined benefit plans with assets between $1 million and $100 million. In cases where you may not be interested in changing your current plan administrator, our team will function as the investment advisor on your current retirement plan working closely with your plan administrator.

Our proprietary asset allocation research helps inform both our investment recommendations to the Plan Committee as well as to your employees’ personal investment selections. Where appropriate, we also will recommend the addition of index-based investments (ETFs) in most asset categories to provide participants with lower-cost alternatives.

We incorporate a deeply experienced educational approach with your Plan Committee and your employees. We accomplish this through a sustainable and uncomplicated process that provides straightforward advice, reduces overall plan costs, and offers exceptional high-touch service.

Our philosophy for retirement investing is very clear: be consistent, be accountable, and preserve and grow our clients’ assets thoughtfully over time.