Employers & Plan Sponsors
Corporate retirement plans built around your people.
A well-designed retirement plan is one of the most powerful tools you have to attract great employees, reduce your taxes, and build long-term loyalty. We help you get it right - and keep it right.
A fiduciary partner, not just a plan provider
Many businesses set up a 401(k) through a bank or payroll vendor and never look at it again. That's a problem - not just for your employees, but for you as a plan sponsor. Under ERISA, you carry real legal responsibilities for your company's retirement plan. whether you know it or not.
As a registered investment advisor acting in a fiduciary capacity, Altus Wealth Group serves as your 3(21) or 3(38) investment fiduciary - helping you fulfill your legal obligations, minimize liability, and offer a plan your employees will actually value.
Offering a retirement plan is easy. Offering a good one - with the right investments, low fees, and proper oversight - takes an advisor who is genuinely on your side.
Plan types we work with
We design and manage retirement plans for businesses of every size, from solo operators to organizations with hundreds of employees.
401(k) plans
Up to $72,000 total/$24,500 employee (2026)
Traditional and Roth options, safe harbor designs, profit sharing, and employer match structures tailored to your goals.
Solo 401(k)
Up to $80,000 (owner only)
Ideal for self-employed individuals and owner-only businesses looking to maximize retirement contributions.
SEP-IRA
Up to $72,000/25% of compensation
Simple, flexible, and low-cost. A strong option for small businesses and self-employed professionals.
SIMPLE IRA
Up to $17,000 employee (2026)
A cost-effective option for businesses with 100 or fewer employees who want to offer a benefit without 401(k) complexity.
Defined benefit/pension
Up to $280,000 annual benefit
Powerful contribution limits for high-earning owners and professionals. Often paired with a 401(k) for maximum tax deferral.
Cash balance plans
Varies by age and compensation
A hybrid plan that combines defined benefit predictability with defined contribution portability - ideal for partners and highly compensated owners.
Your fiduciary responsibilities - and how we help
As a plan sponsor, you are legally obligated to act in the best interest of your plan participants. These duties include:
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Selecting and monitoring investment options prudently
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Ensuring plan fees are reasonable relative to services provided
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Operating the plan in accordance with its governing documents
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Diversifying plan investments to minimize the risk of large losses
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Documenting investment decisions and keeping proper records
We serve as a named fiduciary on your plan, take on co-fiduciary or discretionary investment responsibility, and provide the documentation and oversight you need to demonstrate compliance - so you're protected.
What we do for your plan
Plan design & benchmarking
We analyze your current plan against industry benchmarks and design a structure that serves your employees while maximizing your tax advantages.
Fee analysis & negotiation
We review recordkeeper and fund fees, negotiate on your behalf, and make sure you're not overpaying for administration or investment management.
Employee education
Group enrollment meetings, one-on-one guidance, and ongoing communications that help your employees engage with their benefits and prepare for retirement.
Investment menu oversight
Ongoing monitoring and replacement of underperforming funds, with a focus on low-cost, diversifited options appropriate for your workforce.
Compliance support
We coordinate with your recordkeeper and third-party administrator on annual testing, 5500 filings, and plan document updates.
Executive & owner planning
Maximizing your own retirement contributions, coordinating with deferred compensation plans, and integrating the plan into your broader wealth strategy.
Who we work with
Small and mid-sized businesses establishing or improving a 401(k)
Professional practices - medical, legal, and accounting - maximizing owner contributions
Technology companies and startups building competitive benefits packages
Family-owned businesses integrating the retirement plan with succession planning
Defense contractors and government services firms with specialized compensation structures
Founders and executives setting up plans alongside equity and deferred compensation
How we get started
01 Plan review
We conduct a no-cost review of your existing plan — or assess your needs if you're starting fresh — including fees, investment options, participation rates, and compliance history.
02 Design & recommendation
We present a clear recommendation: whether to optimize your current plan, switch providers, or establish a new plan from the ground up.
03 Implementation
We manage the transition or setup process alongside your recordkeeper and TPA, keeping disruption to your team minimal.
04 Ongoing fiduciary oversight
Quarterly investment reviews, annual plan benchmarking, committee meeting support, and continuous monitoring — we stay actively engaged so you're never exposed.