Fiduciary 401(k) Management

Smarter 401(k) Plans for Modern Businesses

We don’t just manage your company’s 401(k) — we optimize it. As fiduciaries since 2008, nVest Advisors delivers transparent, compliant, and performance-driven retirement plans that serve both employers and employees.

Over 60% of U.S. companies overpay for their 401(k) plans — we make sure yours isn’t one of them.

Fiduciary 401(k) Management

Smarter 401(k) Plans for Modern Businesses

We don’t just manage your company’s 401(k) — we optimize it. As fiduciaries since 2008, nVest Advisors delivers transparent, compliant, and performance-driven retirement plans that serve both employers and employees.

Over 60% of U.S. companies overpay for their 401(k) plans — we make sure yours isn’t one of them.

The Hidden Cost of Standard 401k Plans

Most companies believe their plan is competitive — until they see the numbers. Below are the common pain points that quietly reduce returns and increase risk.

Excessive Fees

Hidden recordkeeping and fund fees can drain 20–40% of potential participant returns over time.

Low Employee Participation

Without clear education and easy enrollment, participation remains low — reducing the plan’s impact.

Fiduciary & Regulatory Risk

Sponsors can face personal liability for plan mismanagement — a risk many companies don’t fully appreciate.

Underperforming Investments

Default funds or poorly chosen menus can lag peers by 2–3% annually, quietly eroding balances.

Administrative Burden

HR spends hours on compliance, reporting, and audits — time that could be spent on strategic initiatives.

The Hidden Cost of Standard 401k Plans

Most companies believe their plan is competitive — until they see the numbers. Below are the common pain points that quietly reduce returns and increase risk.

Excessive Fees

Hidden recordkeeping and fund fees can drain 20–40% of potential participant returns over time.

Low Employee Participation

Without clear education and easy enrollment, participation remains low — reducing the plan’s impact.

Fiduciary & Regulatory Risk

Sponsors can face personal liability for plan mismanagement — a risk many companies don’t fully appreciate.

Underperforming Investments

Default funds or poorly chosen menus can lag peers by 2–3% annually, quietly eroding balances.

Administrative Burden

HR spends hours on compliance, reporting, and audits — time that could be spent on strategic initiatives.

How nVest Advisors Is Different

We fix root causes — not symptoms. Our approach is fiduciary-first, transparent, and outcome-focused for mid-sized businesses.

True Fiduciary Oversight

We make decisions in your company’s best interest — legally accountable as fiduciaries.

Fee Transparency & Cost Reduction

We uncover hidden fees and typically save companies 20–40% in unnecessary plan costs.

Employee Engagement That Works

Targeted education and communications increase participation — often lifting rates by up to 35%.

Performance-Driven Investment Strategy

We select funds for risk-adjusted returns — not based on commissions or quotas.

nVest Advisors office

How nVest Advisors Is Different

We fix root causes — not symptoms. Our approach is fiduciary-first, transparent, and outcome-focused for mid-sized businesses.

True Fiduciary Oversight

We make decisions in your company’s best interest — legally accountable as fiduciaries.

Fee Transparency & Cost Reduction

We uncover hidden fees and typically save companies 20–40% in unnecessary plan costs.

Employee Engagement That Works

Targeted education and communications increase participation — often lifting rates by up to 35%.

Performance-Driven Investment Strategy

We select funds for risk-adjusted returns — not based on commissions or quotas.

nVest Advisors office
Why Choose nVest Advisors

Key Features & Business Benefits

A scannable view for decision-makers — practical, measurable advantages your company will get.

Feature

  • True Fiduciary Oversight

  • Fee-Only, Transparent Pricing

  • Plan Design Optimization

  • Ongoing Benchmarking & Audits

  • Employee Education

  • Compliance & Documentation Support

Business Benefit

  • Reduces sponsor liability & aligns decisions with participants.

  • Typically reduces unnecessary costs by 20–40%.

  • Better match & auto-enroll settings increase participation & retention.

  • Continuous monitoring keeps funds competitive and costs low.

  • Improves contribution decisions and participation up to 35%.

  • Reduces HR workload & audit stress.

Why It Matters

  • Defensible processes and legal protection.

  • Lower fees improve participant outcomes.

  • Supports recruiting and retention goals.

  • Measurable performance tracking for transparency.

  • Happier employees and better financial wellness.

  • Clean records, timely filings, less risk.

Key Features & Business Benefits

A scannable view for decision-makers — practical, measurable advantages your company will get.

Feature

  • True Fiduciary Oversight

  • Fee-Only, Transparent Pricing

  • Plan Design Optimization

  • Ongoing Benchmarking & Audits

  • Employee Education

  • Compliance & Documentation Support

Business Benefit

  • Reduces sponsor liability & aligns decisions with participants.

  • Typically reduces unnecessary costs by 20–40%.

  • Better match & auto-enroll settings increase participation & retention.

  • Continuous monitoring keeps funds competitive and costs low.

  • Improves contribution decisions and participation up to 35%.

  • Reduces HR workload & audit stress.

Why It Matters

  • Defensible processes and legal protection.

  • Lower fees improve participant outcomes.

  • Supports recruiting and retention goals.

  • Measurable performance tracking for transparency.

  • Happier employees and better financial wellness.

  • Clean records, timely filings, less risk.

Typical 401(k) Plans vs. The nVest Advantage

Category

  • Fee Structure

  • Employee Engagement

  • Investment Performance

  • Administrative Burden

  • Fiduciary Risk

  • Business Impact

Typical 401(k) Plan

  • Opaque, layered fees hidden within fund costs

  • Low participation, little education or guidance

  • Generic default funds often lag market benchmarks

  • HR shoulders compliance, vendor coordination, and reporting

  • High potential liability for plan sponsors

  • Lower net returns and higher operational risk

The nVest Advantage

  • Transparent, fee-only structure with full cost visibility

  • Tailored education programs and auto-enrollment that boost engagement

  • Strategically selected funds for stronger, risk-adjusted returns

  • We handle all administration, audits, and fiduciary oversight

  • Full fiduciary management and ongoing regulatory compliance

  • Improved outcomes for employees, reduced liability for employers

Typical 401(k) Plans vs. The nVest Advantage

Category

  • Fee Structure

  • Employee Engagement

  • Investment Performance

  • Administrative Burden

  • Fiduciary Risk

  • Business Impact

Typical 401(k) Plan

  • Opaque, layered fees hidden within fund costs

  • Low participation, little education or guidance

  • Generic default funds often lag market benchmarks

  • HR shoulders compliance, vendor coordination, and reporting

  • High potential liability for plan sponsors

  • Lower net returns and higher operational risk

The nVest Advantage

  • Transparent, fee-only structure with full cost visibility

  • Tailored education programs and auto-enrollment that boost engagement

  • Strategically selected funds for stronger, risk-adjusted returns

  • We handle all administration, audits, and fiduciary oversight

  • Full fiduciary management and ongoing regulatory compliance

  • Improved outcomes for employees, reduced liability for employers

Our 401(k) Onboarding Process

Getting started with nVest Advisors is straightforward and stress-free. We follow a clear, step-by-step process that ensures your company’s transition is smooth, compliant, and tailored to your needs from day one.

nVest Advisors Process

See How Your 401(k) Can Work Smarter for Your Business

Request a no-obligation benchmark — 30 minutes to reveal immediate opportunities and potential savings.

Get a Second Opinion on Your Company’s 401(k)

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