Employers & Plan Sponsors
Reduce Retirement Plan Liability Through Independent Fiduciary Governance
If you sponsor a retirement plan, you are a fiduciary under ERISA. Most employers do not set out to assume fiduciary risk, but under ERISA §402(a), someone must serve as the Named Fiduciary.
Fiduciary Wise provides outsourced ERISA 402(a) Named Fiduciary services and fiduciary oversight designed to reduce retirement plan liability and bring structure to plan governance.
The Risk Most Employers Don’t Realize They Carry
Plan sponsors are responsible for:
- Acting solely in the interest of participants
- Demonstrating procedural prudence
- Monitoring service providers
- Avoiding prohibited transactions (ERISA §406)
- Signing and certifying Form 5500 filings
- Preventing co-fiduciary breaches
Delegation does not eliminate liability; documentation determines defensibility.
Our Solution:
Fiduciary Risk Transfer & Structured Oversight
We provide:
- Independent ERISA 402(a) Named Fiduciary services
- Fiduciary oversight and compliance monitoring
- Retirement plan risk management services
- 3(16) plan administrator oversight (when applicable)
- Documented governance processes
- Executive-level fiduciary support
Our framework is designed to meet the highest standards under ERISA and the Common Law of Trusts.
Who This Is For
- Employers seeking fiduciary protection for 401(k) plans
- HR directors needing fiduciary support
- Plan committees lacking structured governance
- Businesses participating in PEPs, MEPs, or DC Groups of Plans
What Makes Us Meaningfully Different?
Most firms provide advice, we assume fiduciary responsibility.
Most firms review occasionally, we oversee continuously.
Most firms operate informally, we document procedural prudence systematically.
Free Resource
