OnTrack 401

We are an independent retirement plan advisory firm offering a wide range of services to help improve the retirement plan experience for both the plan sponsor and the participant. Our clients are our top priority and we operate with independence and transparency. Theres no such thing as a Free 401(k) plan, fully understanding all plan-related fees... is essential. Out of control fees are a huge drain on retirement savings which is why having a low-cost plan is one of the most important things you can do to have a healthy retirement plan. Take back control of your 401(k) plan and stop paying excessive fees. Click here to see what high fees can do to your retirement plan. Whether you know it or not, if you sponsor a 401(k) plan, you are a Fiduciary. We want to help manage your liability by being your 3(38) Fiduciary and taking responsibility for the oversight of your fees and investments in your plan. As a Fiduciary to your plan we have a contractual obligation to act in your best interest. Click here to see the Fiduciary Services we provide. Whats the point of having a 401(k) plan if participants dont get the advice that they need to make good decisions? Every participant in a 401(k) plan should be told; how much they need to invest, where to invest, and what their expected outcomes will be. Let us help you provide quality education for your employees and get them on track for retirement. Click here to see how we help participants plan for retirement. Fees: Unnecessarily high fees can substantially erode investment performance over time, leaving many prospective retirees with only a fraction of the balance they need for retirement and opening plan sponsors up to personal liability. Over 30 years, higher fees can eat away half of your return1. FIDUCIARY: Plan fiduciaries include anyone who uses discretion in administering or managing the plan and/or its assets. We put our own skin in the game and limit the liability of plan sponsors by signing on as either a 3(21) or 3(38) fiduciary. Below is an overview of the ...Read More