203.878.8194 info@fnlonline.com

Employer Sponsored Retirement Plans

When it comes to managing your firm’s retirement plan, we oversee all aspects from design to implementation and ongoing management. We are proud to be a member of the Retirement Plan Advisory Group (RPAG), a national alliance of over 400 member firms with $450 billion of assets under advisement representing over 40,000 plan sponsors. RPAG provides its members premier technology, tools, and resources (including exclusive products) that help dedicated retirement plan advisors deliver custom tailored solutions to create successful retirement plan outcomes for plan sponsors and participants alike.

Our service model is designed to deliver a comprehensive suite of services to support the needs of you and your employees.  FNL’s Retirement Plan services include:

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Plan designs optimized to achieve the goals of both HR and Finance

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Management of a sponsor’s fiduciary responsibilities as either an ERISA 3(21) Investment Advisor or an ERISA 3(38) Investment Manager

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Robust investment analytics for your plan’s core investments and target date funds

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An online fiduciary governance system to document prudent plan governance

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Plan benchmarking

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Committee education modules and fiduciary governance consulting

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Participant engagement (i.e. gap analysis) and education

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Vendor selection (RFI/RFP) services

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Provider relationship management

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Strategic guidance on relevant industry impact issues and legislation

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Liability driven investment (LDI) strategies for pension plans

We also have strategic partnerships with several payroll firms to help streamline the plan administration process – resulting in an increased value and convenience for you.

Whether your plan is a 401(k) or a type of defined benefit plan, from implementation to ongoing plan management, we are with you every step of the way. You can depend on FNL to provide extensive guidance and unparalleled service on a year-round basis.

Sample Benchmarking Reports


Flexible Fiduciary Support

We are able to act as a 3(21) investment advisor or 3(38) investment manager, providing a fiduciary standard to your retirement plan.

A 3(21) investment advisor:

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Provides customized investment recommendations to the plan and can provide general financial planning and asset allocation recommendations to participants to help them achieve their retirement goals

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Typically selects plan investments and presents them to the plan committee on a regular basis

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Does not assume which investments to include as options for participants – you maintain that control

A 3(38) investment manager:

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Has discretion and control over the plan’s assets and management

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Can accept the significant responsibility (and liability) of selecting, monitoring, and replacing investments

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Assume legal responsibility and liability for individual investments selected, allowing you to better manage and mitigate your fiduciary risk

Contact us to receive our free Plan Sponsor Guide. View the first three pages below.

Plan Sponsor Guide Sample

Plan Sponsor Guide

Enter your name and email address, and the guide will be delivered to you via email.

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