company retirement plans

The true measure of a successful retirement plan is how well it helps the organization attract and retain top talent, enhance participant retirement outcomes, and increase the employer’s return on investment (ROI) without becoming an administrative and regulatory burden.  

At Mariaca Wealth Management, LLC, our goal is to help organizations upgrade current plans by lowering costs, improving investment performance, instilling full transparency, and helping sponsors fulfill their fiduciary responsibilities under ERISA.   As a CEFEX-certified Investment Advisor for ERISA retirement plans, we serve in a fiduciary capacity for every plan we consult on by offering the highest standard of care under the law.   

As a retirement plan fiduciary, we provide the following investment services:

  • Plan design optimization to ensure the plan supports organizational goals and improves participant ‘retirement readiness’
  • Draft and maintain the plan’s Investment Policy Statement (IPS) and ensure adherence with fiduciary best practice standards
  • Recommend investment options and provide ongoing performance monitoring and benchmarking
  • Recommend the plan’s Qualified Default Investment Alternative (QDIA)

In addition, we provide the following retirement plan services for all plans we serve:

Vendor Search and Evaluation: Initial provider request for proposal (RFP) and ongoing due diligence with an equal emphasis on the cost and quality of the provider’s  services.

Formalization of the Retirement Plan Committee: Guidance in the formation of the committee, drafting of a charter, and ongoing support.

Fiduciary Governance Training and Support: Comprehensive and ongoing fiduciary guidance, training and support to mitigate potential liabilities.

Provider Fee Benchmarking: RFP-driven process to ensure apples-to-apples comparisons and to help maximize a plan’s negotiating leverage.

Employee Engagement: Highly customized plan participant content structured to help optimize outcomes and increase financial wellness.

Investment Performance Benchmarking: We provide quarterly independent quantitative and qualitative performance reviews of the plan’s investment lineup.