More and more Plan Sponsors are being forced to “fit the box” of their Provider.   Our services are either all-encompassing or offered on an a’la carte basis.  We utilize a personalized approach to help clients manage all aspects of their retirement plan.  First, we benchmark your current plan to determine its competitiveness from an administrative, investment and cost effective standpoint.  Next we establish a due diligence process to plan and document fiduciary control activities and responsibilities.  Finally, we recommend the appropriate investment selection(s) to optimize asset allocation.  And, as part of this process, we develop an investment education program for your participants as we are in the communication business.  Employee communication is perhaps one of our greatest strengths.

Retirement Plan Services include:

• Fiduciary Compliance Assistance
• Plan Provider Benchmarking
• Plan Fee Analysis
• Participant Education/Communication
• Defined Benefit Plan Consulting

The world of qualified retirement plans has changed, and continues to quickly change as a result of new legislation and compliance related issues.  Sponsors, Trustees, Committee Members, CEO's CFO's and Human Resources are dedicated to following ERISA and doing their jobs as effectively as possible, yet cannot possibly make it their "full time job" to keep up with these rapid changes.  However, the DOL and SEC state that it is a Sponsor's fiduciary responsibility to do so. 

We at EPIC work in conjunction with ERISA attorneys and with your Provider,  facilitating access to the compliance services designed to help protect you, the Plan Sponsor,  to reduce liability.  To that end, we provide:

• Plan Design Assistance:  We will continuously work with you to  review design and operational features and discuss potential enhancements.

• Compliance Assistance:  We monitor and educate clients on all DOL issued guidance  in an effort to address SEC/FINRA regulatory concerns regarding advice from “independent” parties.

• General Business Consulting: 
• Since companies are finding that ERISA dramatically affects or impacts other aspects of the company’s business, EPIC is available to be relied on to review structure, costing, marketing and training programs to help you ensure they remain competitive, cost effective and up-to-date in the marketplace, always considering budgetary issues.

• An explanation and review of the current Plan fee structure, determining if the existing costing structure is "reasonable" in light of services being provided and other industry benchmarks.  We will uncover all various forms of revenue sharing, including the Provider's required revenue for your plan.

• Our analysis will follow ERISA's general standards of fiduciary conduct that apply to all fee disclosure requirements.

• Responsible Plan fiduciaries must assure that the compensation paid directly or indirectly by the Plan is reasonable.  As such, fiduciaries must obtain sufficient information regarding any fees or other compensation that affect the Plan as well as comparing them to appropriate costing benchmarks and industry standards.  We can assist you to not only understand the types of Plan fees, but also provide an anlaysis of fees specific to your Plan so a determination as to "reasonable" can be made.

Fees and expenses are an important component in managing your retirement plan.  The DOL, more than ever, expects Plan Sponsors to pay attention to costs, analyzing and understanding them, and ensuring their reasonableness.

How effective are these tools if Participants cannot speak to an independent 401K consultant?

EPIC's greatest strength is its hands-on involvement with 401K participants.  Not only do we deliver group training, but we provide one-on-one communication with participants – face-to-face, by phone or by email, and unlike the Plan Sponsor, we can and do provide individual guidance.  EPIC offers:

• On-site enrollment/educational meetings, including one-on-one counseling and individual asset allocation guidance.

• Participant Call-In Center so that Plan Participants may review their 401K plan options with EPIC representatives, all of whom are duly registered with FINRA.

• Quarterly Participant Newsletters.

• Education to employees on the tax and savings advantages of a 401K plan, including illustrations to help employees understand the importance of saving for retirement, the importance of starting early and specific data on the investment options offered through the Plan.

• Communications can be customized at the participant level, including bilingual materials.

EPIC’s independence and services enhance the current education offered through the Plan Provider.  These services are offered in conjunction with the Plan Provider.  Representatives from the Provider and/or individual  Investment Providers remain available to supplement communication and education. 


The investment management division at EPIC Retirement Services Consulting specializes in Defined Benefit investment.  We stress individualized, custom portfolios.  The following are some of the concepts and services that set us apart from our competition.

• We are absolutely independent and unbiased.  We offer no internal products, thus ensuring our total objectivity and unbiased advice.

• We understand Defined Benefit Plans – the impact of Minimum Funding and FAS 87.

• We customize asset allocation, in large part determined by the over or under-funded nature of your specific plan.

• Above all, we understand the importance and consequences of a Trustee's Fiduciary Status with regard to Investment Advisory Services.