For EMPLOYERS - INVESTMENT DESIGN, MANAGEMENT, & MONITORING
Better Investments Start with Smarter Oversight
Disciplined, transparent investment design helps participants build confidence while protecting plan sponsors under ERISA’s fiduciary standards.
With thousands of mutual funds, CITs, and share classes to choose from, many sponsors rely on outdated menus, underperforming funds, or proprietary products that quietly increase cost and risk.
For growing companies and private practices, inconsistent monitoring and lack of documentation can expose the committee and the business, to fiduciary liability.
The Challenge
The investment lineup is the backbone of every retirement plan, but it’s also one of the most scrutinized fiduciary responsibilities.
Capcova + sollinda
Our Solution: Objective Investment Design & Monitoring
We bring a fiduciary-first approach that blends research, risk analysis, and transparency. Our process delivers an auditable, repeatable framework so your plan’s investment decisions stand up to regulatory and participant review alike.
Investment Policy Statement (IPS) creation or review to define process and prudence
Fund lineup construction using open-architecture and RPAG quantitative scoring
Quarterly monitoring reports benchmarking performance, risk, and fees
3(21) Co-Fiduciary or 3(38) Investment Manager options for scalable fiduciary delegation
QDIA & Target-Date Fund (TDF) suitability analysis based on participant demographics
CIT vs. mutual fund share-class evaluation to reduce expenses
Participant communication support so employees understand their investment choices
Capcova + sollinda
Who We Serve
Small Businesses
Transition from basic SIMPLE/SEP investments to a disciplined, diversified lineup with professional oversight that scales as you grow.
Franchise & Owner Organizations
Standardize menus across multiple EINs and locations while maintaining flexibility for ownership tiers and management groups.
Private Practice Groups (Dentists, Orthodontists, Veterinarians)
Create streamlined investment menus with risk-based models that simplify decisions for busy practitioners and staff.
Corporate Partners (100+ Employees)
Strengthen fiduciary governance with documented quarterly reviews, scorecards, and investment committee education.
Results That Matter
Reduced investment expenses and improved risk-adjusted performance
Consistent, auditable monitoring that satisfies DOL “prudent expert” expectations
Increased participant confidence and engagement with simplified fund options
FAQs
Frequently Asked Questions
What’s the difference between 3(21) and 3(38)?
A 3(21) advisor shares fiduciary responsibility and makes recommendations.
A 3(38) Investment Manager assumes full discretion to select, monitor, and replace investments—reducing sponsor liability.
How often should funds be reviewed?
Quarterly, with formal documentation maintained in an audit-ready fiduciary file.
Can we keep our current recordkeeper and still upgrade investments?
Yes. We often redesign investment menus while retaining existing providers to minimize disruption.
Do you build custom target-date or managed-account solutions?
Absolutely. We align TDF or managed-account structures to your demographics and plan objectives for optimal QDIA suitability.
Capital Investment Company of VA
Request a Fiduciary Investment Review
contact
It All Begins with a Conversation.
Have questions or need assistance? Reach out to us through our contact form below. We're here to help you connect and collaborate!
legal