FOR CORPORATE RETIREMENT
Toroso focuses on retirement plan consulting, investment advice, provider searches and communication/education. We continually review plan design, administration and investments and suggest changes/improvements based on funding, tax law changes, benefit design trends, investment performance and benefit administration enhancements.
Comprehensive: From Fiduciary Oversight to Conversion
Objective and Independent: Provided on a fixed fee-only basis
Aligned Goals: We serve as an ERISA Plan Fiduciary
Toroso’s advisors have extensive backgrounds – over 75 years of combined experience – in benefits and compensation consulting (we are former employees of Morgan Stanley, Rothschild, Buck, and Fidelity, among others).
With years of experience in retirement plan design, we understand the competing priorities of providing employer-funded retirement benefits and protecting shareholder value. We are not only well versed in plan design (match, non-elective, integrated, cross-tested, Top-hat and SERP), but also in plan administration (eligibility, enrollment, grandfathering impact, loan and withdrawal features, distribution options, etc.) and investment structure (number and type of investments).
For years, we have been staunch advocates for automatic enrollment, automatic increase and defaulting participants into equity-based investment portfolios. Many of our clients have benefited from auto-enrollment features for more than 10 years.
Our comprehensive review and follow-up analysis for 401(k) and non-qualified plans includes the following: