For EMPLOYERS - Fee & Design Benchmarking
Better Outcomes Start with Knowing What You Pay and Why
Transparent benchmarking ensures your plan’s costs are fair, your
design competitive, and your fiduciary process audit-ready.
The Challenge
Many plan sponsors don’t realize how much they’re paying, or what those fees actually cover.
Hidden recordkeeping charges, revenue-sharing, and bundled provider costs can quietly drain participant balances and increase fiduciary risk.
Even well-intentioned employers struggle to answer three key questions:
1. Are our fees reasonable for the services provided?
2. Is our plan design competitive with similar companies?
3. Do our vendors still fit our size and needs as we’ve grown?
Capcova + sollinda
Our Solution: Independent Fee & Design Benchmarking
We combine proprietary industry data with independent research to evaluate the total cost and value of your plan, helping you stay compliant and improve participant outcomes.
408(b)(2) Disclosure Review to clarify all direct and indirect fees
Service Provider Benchmarking (RFP/RFI) using peer comparisons across recordkeepers and TPAs
Share-class and revenue-sharing analysis to identify hidden expenses
Design Benchmarking against industry norms on match formulas, auto-features, and eligibility
Vendor due diligence to evaluate performance, responsiveness, and participant experience
Fee allocation review (employer vs. participant) for cost transparency and ERISA prudence
Capcova + sollinda
Who We Serve
Small Businesses
Bring clarity to your SIMPLE, SEP, or 401(k) fees and understand when it makes sense to upgrade services or switch providers.
Franchise & Owner Organizations
Standardize plan costs and features across multiple entities to leverage scale and reduce duplicate fees.
Private Practice Groups (Dentists, Orthodontists, Veterinarians)
Ensure profit-sharing and Safe Harbor designs remain cost-effective as the practice grows and staff changes.
Corporate Partners (100+ Employees)
Validate vendor pricing, document fiduciary reviews, and capture hard-dollar savings without sacrificing participant support.
Results That Matter
Average fee reductions of 10–40 bps without service loss
Stronger vendor contracts and negotiated pricing terms
Documented due-diligence trail for fiduciary audit files
Higher employee confidence through transparent communication
FAQs
Frequently Asked Questions
How often should we benchmark plan fees?
Every 2–3 years—or sooner after significant asset growth or vendor changes.
What’s included in a benchmark?
A review of recordkeeping, investment, advisory, and TPA fees plus service comparison against peer plans of similar size and industry.
Does lowering fees mean cutting services?
Not with a specialist approach. We focus on right-sizing vendor relationships to maximize value and participant support.
Can we benchmark both fees and plan design together?
Yes—integrating design data helps ensure you’re not only paying fair fees but also offering a competitive plan that drives outcomes.
Capital Investment Company of VA
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