Meeting Fiduciary Responsibilities

Getting It Right

Recently the Employee Benefits Security Administration (EBSA) of the U.S. Department of Labor as been providing a nationwide campaign for Plan Sponsors "Getting it right - Know your Fiduciary Responsibilities".

This means:

  1. Understanding your plan and your responsibilities.
  2. Carefully select and monitor service providers
  3. Make timely contributions
  4. Avoid prohibited transactions
  5. Make timely reports to government and disclosures to participants.
You may allocate some fiduciary responsibilities to other service providers such as appointing an investment manager, but you still must prudently select and monitor these providers.

In reviewing your Fiduciary Compliance, our due diligence process is designed to help your fiduciary duties with regard to selecting and monitoring the the plan's investments. Our reports supply research from investment experts we work with on an ongoing basis.

Investment Policy Statement

We review or draft customized policies based on your needs and objectives while complying with ERISA. Services include investment research, monitoring, benchmarking, ranking, asset allocation modeling, style analysis, risk analysis, and manager interviews.

Annual and Quarterly Review

RPA-LTD provides Investment Monitoring Reports detailing the performance investment options in your retirement plan. It compares your investment options to the averages of their respective category and indices. The report contains information on the following fundamental components of Style, Risk, Expenses, and Performance.

Investment Selection

Our process involves analyzing the investment options available to your plan and notify the plan sponsor of any that do not pass the screening criteria. Then we make recommendations for replacing or adding new funds to your investment menu.

Asset Allocation Modeling

When working with defined contribution plans, we analyze the demographics of your employees and compare that data to the overall distribution of plans assets. If the allocation of the plan assets do not conform to a prudent investment style, then we will suggest ways to improve employee education and assist them with diversification. Defined Benefit clients are provided with models that take into account realistic cash flows and liabilities while seeking to maximize long term investment performance.
 
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