RETIREMENT & DEFERRED COMPENSATION PLANS

A Retirement Plan Tailored to Your Company

Many retirement plans are managed by generalist advisors. Managing company retirement and deferred compensation plans is Highmark's primary business. We provide full-service plan advisory—401(k), 403(b), 457, and 409A—for privately held businesses from plan design to fiduciary oversight to ongoing management.

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The Problem

Being on Autopilot is Not a Solution

You installed a 401(k) years ago. Someone picked the funds. A recordkeeper sends you statements. But who's actually watching it? Who's making sure you understand the fees you are paying?
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A retirement plan is a living thing. It needs attention and expertise so it can continue to serve the owners and participants well into the future.

Too Many Cooks

Your plan involves a recordkeeper, a TPA, a custodian and an investment manager. Most business owners don't know who's doing what, or what they're paying each one.

Fiduciary Exposure

As a plan sponsor, you carry liability for your plans operations. We work with you to create an audit-ready plan.

Misaligned Priorities

Your current advisor's primary business is likely managing individual wealth. Your plan deserves a firm built from the ground up to serve company retirement plans.

The Process

Here's How It Works

Your retirement plan is supported by a multiple vendors: recordkeepers, custodians, TPAs, investment managers. We proactively manage your plan to ensure that it's designed properly, and running smoothly for the participants while addressing fiduciary risk.

Step 1: Assessment

Looking Under the Hood

Step 2: Plan Design

Built Around Your Business

Step 3: Implementation

We Do the Heavy Lifting

Step 4: Ongoing Management

Monitored, Continuously

Step 5: Participant Support

Your Employees’ Retirement Journey

What We Do

Our Services

Full Discretion

Investment Fiduciary

We provide discretion over your plan’s investment lineup. We select, monitor and replace funds, and we assume the fiduciary liability for those decisions.

Executive Benefits

Deferred Compensation Plans

For companies looking to attract and retain key executives, we design and manage nonqualified deferred compensation plans. These plans enable you to reward key members of your team beyond what a traditional 401(k) plan allows.

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Who We Work With

We work with privately held businesses that are ready to step up to professional and dedicated plan management. Our clients are typically companies between 10-1,000 employees.

Business Owners

You set up the plan to take care of your people. We help make sure it actually does that.

CFOs & HR Directors

You're managing the plan day-to-day and fielding employee questions. We remove complexity, save you time and give you a single point of contact.

Companies Switching Advisors

Your current advisor may manage your plan as a side project. You're not getting proactive oversight. Your company deserves more.

Trust & Validation

Common Questions

What does a forensic analysis of our plan look like?

What are 3(38) services?

How are your fees structured?

Will our employees notice a change?

Can you help with plan compliance issues?

What does your typical retirement plan client look like?

Do you work with smaller plans?

Let's Look at Your Plan

Be sure your plan is structured properly, priced appropriately and managed proactively.

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