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Corporate Services: 401(k) PlusSM, a division of PFS

The Pension Protection Act of 2006 (PPA 2006) placed increased scrutiny and responsibility on employers and plan sponsors to ensure compliance with fiduciary guidelines. This has resulted in increased time, documentation and paperwork for many plan sponsors and has proved particularly laborious for small to mid-size business owners who may not have internal benefits expertise in place.

Through use of our Investment Scorecard and Fiduciary Analytics, PFS can act as a department within your organization to monitor the plan for compliance, and ensure plan design features are in place to maximize benefits for both the company and its employee participants.

As Accredited Investment Fiduciaries we will promote a culture of fiduciary responsibility and improve the decision-making process. We help instruct fiduciaries to fulfill their duties to a defined standard of care.

Our thorough process and tools can help uncover and mitigate any potential fiduciary liability as we review the integrity of the protocols in place. We will:

• Identify the legal standards that require fiduciaries to prudently manage investment decisions
• Apply the practices that define a prudent process for investment stewards
• Strengthen existing policies and procedures

PFS can assist you in designing, establishing and administering a broad range of tax-qualified retirement programs that meet company goals and allow employee participation, including:

• 401(k) plans

• Apply the practices that define a prudent process for investment stewards
• Strengthen existing policies and procedures

• Profit Sharing Programs

• Offer employers broad flexibility and choice in plan design
• Employers may choose to treat all participants equally or establish
  guidelines and/or frame benefits for key employee groups

• Simple Plans

• Allows small companies to compete with larger organizations
  in attracting and retaining key talent
• Employees/participants defer up to a set maximum percentage of salary
  and may benefit from a specified employer match

• Defined Benefit Plans

• Employers can enhance their retirement benefits by deferring targeted benefits
  based on a set formula

Every employee seeks financial security. Offering competitive retirement plans not only builds loyalty, but can be the cornerstone of a more stable and productive workforce.

We can help you design a program to meet your company's needs and budget, ensuring that the retirement program you choose is aligned with your personal wealth management goals.

The guidance you seek. The expertise you require.

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