The 401(k) roadside is littered with hundreds of vendors who claim to be selling the "best" product and array of services. Fees typically include charges for set up and annual administration, asset-based charges such as investment advisory fees, distribution expenses and mortality and expense risk charges, and sales charges (either front-end or back-end loads). Investment alternatives usually include mutual funds and insurance company separate accounts.

We have been working with 401(k) plans for almost 20 years. We know which vendors provide proven, cost-effective products, and which don't. We know which vendors deliver superior customer and participant-related support services, and which don't. Most importantly, we know what works and what makes a company's 401(k) program successful, and what doesn't. We use our experience and knowledge to ensure our clients purchase the 401(k) product that truly is best -- based on their company's objectives, their company's characteristics, and their company's budget.