Employee Benefits

401(K)/403(b)


More than ever, the challenge of providing a competitive retirement plan for your employees while meeting fiduciary compliance responsibilities adds to the complexity of employer sponsored plans. Bolton & Company has developed strategic partnerships with leading providers of 401(k) and 403(b) services for both profit and non-profit employers to assist them in meeting both of these objectives. We work with employers to audit their existing programs and conduct Request for Proposals (RFPs) to achieve results that will enhance plan participation, reduce plan expenses and streamline plan administration.

Services provided include:

  • Conduct an Initial Needs Analysis
  • Develop a full RFP Questionnaire
  • Integrate Investment Platform Rankings
  • Perform Response Compilations/Spreadsheeting
  • Present a Total Cost Analysis
  • Communicate Benchmarking Results
  • Analyze flow and types of contributions into the plan
  • Investment selection/alternatives of account balances
  • Timing of distributions
  • Eligibility requirements
  • Vesting Schedules
  • QDROs, loans or hardship options
  • Compliance Checklist
  • Investment Policy Statement
  • Fiduciary Plan Review
  • 404(c) Policy Statement and Notice
  • Custom Fee Disclosures
  • Fiduciary File Checklist
  • 404(a) Monitoring
  • Participant Communication Services
  • Individual Financial Consulting