Tailored Retirement Plans for Your Business
At RDG Capital Management, we specialize in delivering comprehensive retirement plan solutions designed to meet the evolving needs of employers and their employees. Navigating fiduciary responsibilities under ERISA and the Department of Labor’s standards can be complex. Our role is to guide plan sponsors through that landscape—helping to ensure compliance, reduce costs, and improve plan outcomes. By partnering with business owners and organizations, we allow you to stay focused on running your business while we help manage the retirement plan.
Our Strategies
01.
Cost Efficiency
We help reduce plan costs by leveraging low-cost investment options and transparent fee structures. Our goal is to enhance overall plan value while supporting fiduciary best practices.
02.
Investment Simplicity & Performance Focus
Research shows that many actively managed funds underperform their benchmarks over time. We build investment lineups that prioritize index funds and low-cost solutions—seeking consistent, long-term results and helping to reduce participant dissatisfaction.
03.
Participant Education & Engagement
A strong plan goes beyond investment options. We provide ongoing education to help employees understand their retirement benefits, improve financial literacy, and make more informed financial decisions.
04.
Fiduciary Risk Management
We assist plan sponsors in maintaining the documentation and processes necessary to meet fiduciary responsibilities. By proactively addressing compliance and regulatory standards, we help reduce potential liabilities and keep your plan on solid ground.
05.
Plan Governance & Liability Awareness
The Department of Labor has increased its scrutiny of retirement plans—particularly those with high fees or subpar investment options. While audits are
infrequent, they do happen even with smaller plans. More frequently, participant lawsuits have emerged across a range of industries. Maintaining a well-structured, competitively priced, and well-documented plan is one of the best defenses against potential legal and financial risks.
Our Process
Plan Diagnostics
We begin by understanding your business, your workforce, and your plan objectives. We evaluate your current plan or design a new one tailored to your needs—including guidance on matching formulas, eligibility rules, safe harbor status, profit sharing, and vesting schedules.
Benchmarking & Blueprint
We benchmark your plan’s fees, services, and administration against comparable offerings in the marketplace. Through an open-architecture approach, we work with a wide range of 401(k) providers to enhance plan efficiency, reduce costs, and expand investment choices.
Seamless Implementation Support
We coordinate with the recordkeeper, third-party administrator (TPA), and plan sponsor to ensure a smooth implementation or transition process. Our goal is to simplify the experience and reduce administrative burden.
Employee Education
We offer annual employee education sessions—either in person or virtually—along with ongoing access to our team. We aim to boost engagement, financial wellness, and retirement readiness across your workforce.
Ongoing Plan Review & Optimization
We review your plan to assess performance, identify opportunities for improvement, and ensure your plan continues to align with your goals and fiduciary obligations.
Partner with RDG Capital Management and Experience the Difference
Looking for more information? Get in touch with us today!