How It Works

At BenefitGuard, we believe the 401(k) model is broken–and we’re fixing it. It’s true. We’re genuinely different in the way we help you manage your plan and help your employees save for retirement.  Nobody eliminates 401(k) costs, risk, and work like we do. Whether you’re big or small, you can now have a simple, hassle-free 401(k) with Fortune 500 pricing and sophistication.

Less Cost for Companies & Employees

Most 401(k) plans have painfully high fees that are nearly impossible to find and understand. There’s no trouble understanding our fee structure.  It’s simple and one hundred percent transparent. Find out how we can help you save 30-60% of your total plan costs.

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Less Risk for Company Owners and Executives

We believe that the service providers doing the fiduciary work on a 401(k) plan should be taking on the risks, not you. Unlike any other provider in the industry, we appoint professional fiduciaries to sign and act in the administrative and investment fiduciary roles for you. We will sign and act as your 3(16) plan administrator, 3(21) named fiduciary, and 3(38) investment manager.

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Less Work for HR Managers

We don’t just give you tools to do 401(k) work, we do it for you. We  prepare, file, and even sign your 5500. We approve loans and distributions, manage your audit, track eligibility, answer employee questions, track and report on investments, perform compliance testing, run enrollment meetings, and much more.

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Payroll Integration

Are you tired of manually entering transactions, transferring funds, or creating custom payroll uploads to send to your 401(k) provider every pay period? For many companies, this process takes hours every month. BenefitGuard has already built integration with a number of payroll providers and will work with your provider to make 401(k) uploads as easy as possible.

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Working With Financial Advisors

Would you like to keep your current financial advisor?  No problem!  Financial advisors love us and we’re happy to keep them on the plan if that’s your preference.  A BenefitGuard plan can run with your current advisor, without an advisor, or we can help you find a new advisor who will provide value for your plan and the participants. Are you a financial advisor looking for 401(k) partner that will take 401(k) minutia off your plate so you can focus on managing client relationships? Look no further.

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Industry Best Investment Options

We use some of the biggest and most reputable fund families in the country like Vanguard and Dimensional funds to build three very simple yet sophisticated approaches that employees can choose and understand.  Employees can use age-based glide paths, risk-based models, or they can build their own portfolios from a list of institutionally priced funds.

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