Independent Authority.
Operational Discipline.
Risk You Don’t Carry Alone.
Retirement plans are governed by legal obligation. Fiduciary Wise provides independent ERISA fiduciary services designed to reduce retirement plan liability, clarify responsibility, and strengthen governance across plan structures. We mitigate over 92% of Fiduciary Risk.
ERISA 402(a) & 3(16) Named Fiduciary Services
Under ERISA §402(a), every retirement plan must designate a Named Fiduciary responsible for
governance and oversight. Most employers don’t realize they carry that liability.
We provide:
- ERISA 402(a) Named Fiduciary services
- 3(16) Plan Administrator oversight (when structured appropriately)
- Fiduciary risk transfer for retirement plans
- ERISA fiduciary liability management
- Independent fiduciary governance
We assume responsibility with structure, documentation, and accountability.
MEPs, PEPs & Defined Contribution Groups of Plans
Multiple Employer Plans (MEPs), Pooled Employer Plans (PEPs), and Defined Contribution Groups of Plans (DC GoPs) introduce shared governance.
We provide:
- Independent fiduciary oversight within pooled arrangements
- Defined delegation structures
- Governance clarity for participating employers
- ERISA compliance alignment
Ongoing Fiduciary Monitoring
Fiduciary responsibility does not end after plan setup. We provide ongoing fiduciary monitoring including:
- Procedural prudence documentation
- Service provider oversight
- Fee benchmarking review
- Compliance monitoring
- Risk identification and mitigation
Governance must be continuous to be defensible.
Retirement Plan Governance
Many plans operate informally. We implement structured governance frameworks including:
- Defined fiduciary roles
- Governance calendars
- Plan Administrative Committee support
- Documented decision-making processes
- Delegation oversight
Committee Education & Support
Committee members often serve without formal fiduciary training.
We provide:
- ERISA fiduciary education
- Committee onboarding
- Ongoing fiduciary support
- Governance preparation
- Risk awareness briefings
Education strengthens defensibility.
Not Sure Where to Start?
Download our Fiduciary Checklist to assess your current governance structure.
Or schedule a confidential conversation.