Fiduciary Guidance
Our fiduciary services are designed to reduce your liability while enhancing the integrity and oversight of your retirement plan. Whether serving in a 3(21) co-fiduciary or 3(38) discretionary capacity, we provide prudent investment guidance, monitor fund performance, and help ensure your plan remains compliant with ERISA standards. By sharing or assuming investment responsibilities, we bring structure, accountability, and confidence to your role as a plan sponsor.
OneGroup Retirement Advisors' fiduciary capacity:
- ERISA Section 3(21) Investment Advisor for Investment Advice
- ERISA Section 3(38) Investment Manager for Discretionary Management
Participant Engagement & Education
We believe informed participants make better retirement decisions. That’s why we deliver personalized education through on-site meetings, webinars, and one-on-one guidance—helping employees understand their plan, improve financial wellness, and build long-term confidence. Our approach meets people where they are, with practical, jargon-free advice tailored to every stage of life.
We strive to reduce financial stress by providing education and resources that help your employees feel confident about their savings goals and, ultimately, their retirement futures.
Investment Menu Construction & Monitoring
We build and maintain investment menus that are thoughtfully designed to meet the diverse needs of your workforce. Our process emphasizes cost-effective, high-quality fund options, offering a balance of index and active strategies where appropriate. We continuously monitor performance, fees, and fund suitability to help ensure your plan remains aligned with fiduciary standards and participant goals.
Each fund is evaluated using a disciplined, criteria-driven process that includes both quantitative and qualitative analysis. We provide regular reporting and recommendations to the Plan Committee, ensuring the lineup evolves with market conditions, plan demographics, and regulatory expectations.
Provider Search & Benchmarking
We offer a data-driven approach to evaluating and selecting retirement plan providers. Through comprehensive benchmarking, we help plan sponsors compare fees, services, technology, investment platforms, and participant experience—ensuring your plan delivers value and remains competitive.
Our process includes issuing formal RFPs or RFIs when appropriate, reviewing proposals, and facilitating finalist interviews. Whether you're seeking a better fit or fulfilling fiduciary obligations, we guide you every step of the way with transparent analysis and actionable insight.
Plan Design Guidance
We provide strategic plan design guidance to help you align your retirement plan with organizational goals and workforce needs. From optimizing eligibility, match formulas, and automatic features to improving plan participation and deferral rates, our recommendations are tailored to drive better outcomes for both employers and employees.
We stay current on regulatory changes and evolving plan design trends, including Secure Act provisions and behavioral finance insights. Whether you’re launching a new plan or enhancing an existing one, we help structure it for maximum efficiency, compliance, and impact.