401k Advising

Plan Design

  • Comprehensive review of current plan (or issue new plan)
  • A review of the plan design is especially important because plan design provisions can make a big difference in whether your plan maximizes the benefits available.
  • These provisions address matching contribution formulas, cross-tested profit-sharing allocations, qualification and eligibility issues, and merger and acquisition situations.
  • J.S. Tucker will work closely with the provider’s administration experts to ensure that all available aspects of plan design are considered.


  • Benchmark the fees, services, and participation metrics of your plan against similar plans using industry-leading research
  • This service satisfies the fiduciary obligations under both ERISA and the new 408(b)(2) fee disclosure rules
  • Make recommendations for any changes to your plan to reduce costs and improve service for your participants

Investment Management

  • As a plan sponsor, you can minimize your fiduciary liability by implementing an Investment Policy Statement (IPS).
  • An IPS outlines a detailed, prudent plan of action for the plan’s investment managers and advisors to follow. It describes the plan’s investment philosophy, risk tolerance and long-term goals to help guide all decisions made regarding the plan.
  • Because the IPS is in writing, it helps prevent misunderstandings between you and the plan’s advisors.

Employee Education

  • We believe that coordinating enrollment meetings and providing ongoing investment education for participants regarding plan options
    is a valuable part of our service.
  • J.S. Tucker will be available to your employees by phone and in person for individual consultation. If enrollment and/or education teams from the provider
    are necessary due to multiple company locations, we will coordinate those efforts.
  • We provide supplemental educational materials if desired.

Ongoing Plan Reviews

  • Review your plan’s operational metrics such as participation levels, deferral percentages, loans, nondiscrimination testing, enrollment, and communication services.
  • We also prepare performance analysis of investments utilized by the plan versus benchmarks and/or peer groups; monitor funds selected by the plan sponsor for style drift and correlation with fund investment objectives stated in the IPS; and provide regulatory and compliance updates.

Types of Plans

  • Defined Contribution Plans
     401(k) Plans
     Automatic Enrollment 401(k) Plans
     Safe Harbor 401(k) Plans
  • Profit-Sharing Plans (PSPs)
  • New Comparability Profit Sharing Plans (PSPs)
  • Defined Benefit Plans
  • Traditional Defined Benefit Plans
  • Cash Balance Plans
  • Overfunded Defined Benefit Plans
  • Employee Stock Ownership Plans (ESOP)