For EMPLOYERS - 401(k) & 403(b) Plan Design Consulting
Better Outcomes Start with Smart Plan Design
A well-structured retirement plan helps your people retire on time and your organization stay compliant, efficient, and competitive.
As companies grow, merge, or evolve, plan designs often lag behind reality, leading to failed testing, participation gaps, and unnecessary costs. HR and finance leaders frequently inherit plans that are expensive, complex, or not optimized for today’s demographics and payroll structure.
For smaller employers, the challenge is deciding when to graduate from a SIMPLE or SEP IRA to a more advanced 401(k) or 403(b) structure that provides stronger savings potential and fiduciary control.
The Challenge
Many plans were built for yesterday’s workforce.
Capcova + sollinda
Our Solution: Outcome-Based Plan Design Consulting
We design and optimize plans with one goal in mind, improving participant outcomes while strengthening employer value. Our process blends analytics, ERISA expertise, and behavioral finance to align employee savings with employer cost efficiency.
Comprehensive plan design review to identify hidden risks and missed opportunities
Safe Harbor, Profit Sharing, and Combo Plan modeling to enhance savings and tax efficiency
Auto-enrollment, re-enrollment, and auto-escalation to increase participation and deferrals
Multi-EIN and management company design for complex franchise or owner group structures
SIMPLE & SEP IRA transition consulting for small businesses scaling toward 401(k) solutions
Cost-impact modeling so you can quantify the employer expense vs. employee benefit trade-off
Capcova + sollinda
Who We Serve
Small Businesses
Build a foundation for growth—whether it’s optimizing a SIMPLE IRA, transitioning to a 401(k), or adding profit sharing for owners and key employees.
Franchise & Owner Organizations
Integrate multiple entities under a unified plan that minimizes refunds and maximizes participation across diverse employee groups.
Private Practice Groups (Dentists, Orthodontists, Veterinarians)
Design cost-effective Safe Harbor and Profit Sharing structures that reward staff while helping owners save more efficiently.
Corporate Partners (100+ Employees)
Simplify plan oversight with scalable design, governance, and auto features that align with corporate policies and fiduciary best practices.
Results That Matter
Participation rates improve by 20–40% within the first year of redesign
Testing failures and refunds are significantly reduced
Employer contributions are optimized to support stronger employee outcomes
Transitioning from SIMPLE/SEP to 401(k) structures enhances savings and flexibility
FAQs
Frequently Asked Questions
When should a small business move from a SIMPLE or SEP IRA to a 401(k)?
Typically when you have 10+ employees or need higher owner contributions and greater plan flexibility.
How can plan design improve participation?
Auto-enrollment, auto-escalation, and default investment features can raise participation dramatically without increasing admin burden.
Do you work with multi-location or franchise employers?
Yes—we specialize in multi-EIN, controlled-group, and management-company design to unify plans and reduce compliance risk.
How often should we review our plan design?
Every 3–5 years or after major changes in workforce, revenue, or ownership.
Capital Investment Company of VA
Request a Complimentary Plan Design 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