fiduciary retirement plan consulting

beyond funds, fees, and fiduciary governance.

how do you define success for your  retirement program?

Are you really focusing on the right things in your 401(k) or 403(b)?  You spend all this time monitoring the plan’s funds and fees, and worrying about your fiduciary governance; but are your employees actually on track to have enough money to retire?  And what does it cost you as their employer if they have to delay retirement?

Studies show that 54% of Americans are stressed about their financial situation.  Consequently, they spend an average of 13 hours per month at work worrying about their finances.  This estimated annual cost for you, their employer, for this lost productivity is estimated to average $7,000 per year for each financially stressed employee. 

This also often leads to behaviors that derail retirement savings.  For example, one in four pre-retirees take money from their retirement plans, and 50% of workers age 60 and over plan to work until age 70 or later.  This costs you somewhere between $10,000 to $50,000 in insurance and benefits for each year an employee delays retirement.  Plus, the lack of advancement for your younger workers can increase turnover, with an average cost of $15,000 per employee that you consequently lose.

delayed retirements dramatically impact your bottom line! 
there is “a smarter way” to gauge the success of your 401(k) or 403(b) 
our 5-step process
intellicents has a 5-step process for improving the retirement readiness of your workforce, centered on both you the plan sponsor and your participants: 

step one

define success

We recommend you strive to achieve 75% of your participants being on-track to maintain their same standard of living during their retirement years as they are accustomed  to during their working career.  Don’t worry, we can measure that for you; and for most employers it’s below 30%.  The real shock will come when we show you the projected liability you have for delayed retirements.


step two

implement plan design

Auto everything… enrollment, contribution escalation, AND investment. Plans that utilize auto features have a 21% higher participation rate than plans that don’t. Your employees will thank you for it when they can retire on time AND with enough money.

step three

implement wellness program

Our intellicents university curriculum includes both education and onsite financial planning services to promote participant engagement. How can we expect Americans to save more when they are maxed out on three to five credit cards, and have no idea how to create a household budget?  Half of workers say that retirement, financial, and health care planning programs would be helpful in increasing their productivity on the job.


step four

add participant advice

This is what your participants need and want. Our advisors come onsite for one-on-one meetings, and all of your people will have access to our allmymoney® financial wellness app. A 1% improvement in their investment performance could boost the number of your employees that are 80% to 100% retirement ready by 15%. Smart people supported by great technology!


step five

benchmark progress

You will receive an annual Plan Sponsor Aggregate Retirement Readiness Report detailing the progress we have made; plus your participants will get an annual retirement readiness report projecting whether they are on track to achieve a comfortable retirement.  And your report benchmarking your looming liability for delayed retirements should markedly improve.

When you help your employees to be on target for a successful retirement, everybody wins. But what about monitoring the plan’s funds, fees, and fiduciary governance? It’s important. 

fiduciary governance services

holistic employee education

participant advice services

an intellicent service structure

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Get your employees “to” and “through” retirement... 
...on time and with enough cash. 

toll free  800.880.4015

Investment advisory services offered through intellicents investment solutions, an SEC registered investment adviser.

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