Tailored Retirement Plans & Fiduciary Services
Retirement plan services for employers
WealthPlan Group helps employers design and oversee workplace retirement plans through plan design, investment oversight, recordkeeper and third-party-administrator coordination, participant education, and agreed 3(21) or 3(38) fiduciary services. The exact scope, responsibilities, legal entity, fiduciary role, and fees depend on the plan and written engagement.
Employer retirement-plan advisory services may be provided through WealthPLAN Partners, LLC or WealthPLAN Investment Management LLC, depending on the written agreement. Unless expressly engaged, WealthPlan does not act as plan administrator, trustee, recordkeeper, third-party administrator, attorney, accountant, or auditor. Hiring WealthPlan does not eliminate the plan sponsor’s responsibility to prudently select and monitor its service providers.
Retirement Plans Built Around Your Responsibilities
We partner with plan sponsors to design and oversee retirement plans that reflect their workforce, governance needs, and fiduciary obligations.
Choosing the right fiduciary role
Your plan may be able to keep its current recordkeeper and third-party administrator. We begin by reviewing the existing platform, services, costs, responsibilities, and compatibility before recommending whether anything should change.
The written agreement defines WealthPlan’s investment role and responsibilities.
Define the investment responsibilities WealthPlan will accept in the written agreement and the responsibilities the plan sponsor retains.
Review the investment menu, compensation, conflicts, and benchmarks as part of an ongoing process.
Review the investment menu, compensation, conflicts, and benchmarks as part of an ongoing process.
Comprehensive Retirement Plan Services
From plan design and investment oversight to participant education and ongoing support, we help employers manage retirement plans with confidence.
Plan Design Services
- Broad investment fund lineup to support diversification and participant choice.
- Risk-based model portfolios managed by WealthPlan Group to simplify oversight.
- Compare investment and provider costs with the services the plan receives.
- Review startup and ongoing expenses alongside plan design, providers, service scope, and participant needs.
- 3(38) investment fiduciary services to assume discretion over fund selection and monitoring, when appropriate.
- 3(21) ERISA* co‑fiduciary investment advice, sharing—but not assuming—decision‑making responsibility with retirement plan sponsors.
- Ongoing investment monitoring and compliance support aligned with the plan’s Investment Policy Statement (IPS).
- Clear roles, a documented process, and regular reviews can help sponsors organize their oversight.
- Collaborative plan design meetings to customize features such as employer match and eligibility.
*ERISA (Employee Retirement Income Security Act of 1974)
Plan Participant Services
- Group education sessions covering core retirement planning topics, including:
- How much to save
- Roth versus traditional contributions
- Understanding investment options
- Ongoing one-on-one participant meetings to address individual questions and financial decisions.
- Enrollment and rollover assistance to support new participants and transitions.
- Access to a team of experienced wealth advisors for personalized guidance.
- Participant education support can complement the sponsor’s communication responsibilities.
Why Employers Choose WealthPlan Group
We help employers design, manage, and support retirement plans through a service model built on clarity, accountability, and experience.
High-Touch Service
We deliver personalized, boutique-level support to each client. Every plan receives the attention it deserves.
Custom Plan Design
Plan-design discussions may include Cash Balance Plans, Safe Harbor 401(k)s, and Solo 401(k)s when relevant to the business and workforce.
Participant-Focused Engagement
Robust onboarding, education, and financial wellness support to help participants build retirement readiness.
Agreed 3(21) or 3(38) investment services
The written agreement defines WealthPlan’s investment role. The plan sponsor continues to prudently select and monitor its service providers.
1989
Established¹
62
Support Staff
Omaha
Headquarters
6.1B
Combined Client Assets²
38
Advisors Nationwide
Education & Support, When You Need It
We offer easy-to-use resources and personalized support to help participants navigate their retirement journey.
Our Retirement Plan Process
Discover & Align
We start with a conversation to understand your business, workforce, goals, and current plan environment. This includes discussing plan objectives, budget considerations, fiduciary preferences, and whether a bundled or unbundled structure is the right fit.
Design the Plan
Based on what we learn, we design a retirement plan tailored to your organization. This includes plan features, employer contributions, investment structure, and coordination with the appropriate recordkeeper and third-party administrator (TPA).
Establish Fiduciary Oversight
When WealthPlan is engaged for 3(21) or 3(38) investment services, the written agreement defines the role and responsibilities. The review may include developing or updating an Investment Policy Statement and coordinating implementation with the plan’s other providers.
Coordinate & Implement
Implementation, enrollment support, and participant communications are coordinated with the plan’s other providers under the responsibilities described in each agreement.
Educate & Engage Participants
Ongoing education is a core part of our approach. We provide in-person and virtual education sessions, financial wellness resources, and individualized meetings to help participants understand their options and stay engaged with the plan.
Monitor, Review & Evolve
Regular reviews can assess investments, fees, participation, service providers, and governance as the business, workforce, or rules change.
Retirement plan FAQs
What does a retirement plan advisor do for an employer?
A retirement plan advisor may help an employer evaluate plan design, investments, service providers, fees, participant education, and governance. The advisor’s authority and fiduciary responsibilities depend on the services accepted in the written agreement. Other providers may perform recordkeeping, administration, legal, accounting, or investment duties.
Can an advisor work with our current recordkeeper and third-party administrator?
Possibly. The review should identify existing providers, contracts, services, costs, data responsibilities, and gaps before recommending whether to retain or change a provider. Confirm in writing which providers will remain and what each party will do.
What is the difference between 3(21) and 3(38) investment services?
In a 3(21) advisory arrangement, the plan sponsor generally retains investment decision authority while receiving advice. A properly appointed 3(38) investment manager accepts discretion for the investment responsibilities described in the agreement. Hiring a service provider does not eliminate the plan sponsor’s responsibility to prudently select and monitor that provider. The actual agreement controls.
How are retirement plan advisory fees determined?
Fees can depend on plan size, service scope, providers, participant population, and fiduciary role. Employers should review direct and indirect compensation and the services included. Plan fiduciaries are not always required to select the least costly provider; cost is one factor in evaluating necessary services and reasonable compensation.
What should we bring to an initial plan review?
Useful materials include the current plan and trust documents, adoption agreement, summary plan description, recent Form 5500, service-provider contracts and disclosures, fee reports, investment policy statement and investment reviews, participant notices, testing results, audit or correction history, committee minutes, and workforce information relevant to eligibility and plan design. Use an approved secure channel for sensitive plan and participant information.
Do we need a new 401(k) plan or changes to the plan we already have?
That depends on the business, workforce, objectives, existing plan, costs, and administrative capacity. An employer without a plan may compare several retirement-plan types. An employer with an existing plan should first identify what is working, what is not, and whether changes can be made without replacing the entire provider arrangement.
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¹ WealthPlan Group is a trade name under which affiliated entities conduct business. The firm has operated under multiple brand names over time. WealthPlan Group was founded in 1989. References to the firm’s history or years in business reflect the organization’s history since 1989, including predecessor businesses and prior brand names.
² Combined client assets across affiliated businesses as of 12/31/2025. This figure includes assets associated with WealthPlan Partners and WealthPlan Investment Management, including assets under management, assets under advisement, and certain retirement plan and brokerage assets for which affiliated firms provide advisory, consulting, or planning services. Not all such assets constitute ‘regulatory assets under management’ as defined by the SEC.
The number of advisors and support personnel reflects firm staffing as of 12/31/2025 and may fluctuate over time.
Fiduciary services are provided only pursuant to the terms of a written agreement. References to 3(21) or 3(38) services describe service options that may be available; specific fiduciary status, discretion, and responsibilities depend on the engagement selected. WealthPlan does not assume responsibilities beyond those expressly agreed to in writing. Costs and fees vary by plan design, provider, service scope, and participant demographics.