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DCA 401K ERISA Due Diligence Consulting

Standard Offerings

  1. Summary of current employee retirement plan.
  2. Overview of investment options.
    1. Overview that clearly evaluates the merits of each investment option by assigning a three tiered rating system to each respective option in the plan (overall benchmark performance, hold, replace, or delete).
    2. Analysis of investment policy statement and procedural process for ongoing monitoring of investment options.
  3. Administrative and compliance overview.
    1. Revenue sharing structure.
    2. Review of corporate and investment advisor compliance over the plan, including review of plan due diligence procedures at a corporate level.
    3. DCA does not test controls for compliance protocols such as non-discriminatory testing (ADP, ACP), 404c, vesting schedules, or other compliance related activities, as these are generally captured in the annual audit performed on a plan.  
  4. Summary of aggregate expense overview that encompasses all costs imposed on participants.
    1. Which can include investment options, administrative, insurance related, and commissions .
  5. Service contract analysis.
    1. Will determine how delineation of fiduciary duty for various functions has been assigned between the various parties serving your plan.
    2. Analysis of risk in fiduciary duty towards the company.
  6. Summary of recommendations, that can be implemented to reduce potential legal risk that may arise from an “off benchmark plan” as quantified when compared to a battery of applicable benchmarks that define thresholds for well constructed benefit plans. 
    1. Recommendations are tailored to reflect the realities of your current plan architecture, and are designed to provide leverage for negotiations with your current third party services providers in order to successfully enable concessionary modifications in favor of the trust.
    2. For each corresponding analysis section, recommended courses of actions to rectify any deficiencies that may be identified are provided in a clear and concise manner.

Optional Offerings

  1. Employee survey of associates to help better define employee expectations in order to generate higher participation and deferral rates.
  2. We can also help you with your retirement plan negotiations and competitive bidding for new plans.
Contact
©2009 DCA Investment Advisory LLC   |   BLINDACREMEDIA
DCA does not guarantee, nor does it imply to guarantee, that past performance of data cited herein, with respect to specific investment vehicles, asset classes, and/or investment strategies are a guarantee of future investment results.

Plan Sponsor (Employee Benefit Plans) Investment Management Service:

DCA, acting in a co-fiduciary capacity, will analyze, select, and monitor investment options for clients sponsoring or representing and/or other employee benefit plans. DCA will exercise the investment selection process within the guidelines, risk tolerances, and objectives, as mandated and set forth, in the Investment Policy Statement. In the event that no Investment Policy Statement is present, DCA will either create one or exercise the aforementioned process in accordance to DCA's investment philosophy as described above, and within the standards prescribed by applicable law and IRS tax code. In relation to the investment selection process, DCA does not, nor does it plan to in the foreseeable future, accept any form of compensation, monetary or otherwise, from any party sponsoring, affiliated, or distributing the investment products and securities recommended by DCA.