Defined Contribution

Defined Contribution2019-01-18T21:37:18+00:00

We don’t fit your plan to our solutions; we create solutions for your plan.

RHI’s Defined Contribution practice has been a cornerstone of our business from day one.  Our experts provide full-service customizable solutions including 401(k) plan design, recordkeeping, compliance and participant management. Our organizational processes and always-current technology allow us to serve any kind of client, from startups to organizations with thousands of participants.

Our key plan administration responsibilities and procedures include:

  • Recordkeeping and administration services
  • Storage and management of plan and participant-level account information
  • Receipt and processing of participant initiated requests (loans, distributions, transfers, deferral rate changes, etc.)
  • Transmission of trades and disbursement requests to independent custody provider
  • Compliance testing and reporting

Advantages of our integrated plan administration model include:

  • Objectivity
  • Independence
  • Best-in-Class Expertise
  • Flexibility
  • Transparency
  • Accountability
  • Open Architecture Fund Selection

Our Defined Contribution Services are built for many different kinds of DC plans, including:

  • 401(k) plans with or without employer matching contributions
  • Traditional, integrated, age-weighted or new comparability profit sharing plans
  • Money purchase, target benefit, cash balance and floor-offset pension plans
  • Employee stock ownership plans (ESOP) and employee stock purchase plans (ESPP)
  • 403(b) annuity and 457 governmental plans
  • Non-qualified deferred compensation plans
  • Traditional balance forward and daily valuation services

We pride ourselves on our ability to create a customized plan design for any kind of organization, but our commitment to service doesn’t end there. Our high-touch approach goes beyond a personalized sales pitch. Expert consulting is paramount in our business philosophy, and we focus on ensuring that sponsors receive the support they need to meet their plan goals and fiduciary obligations. This includes updates about trends in the industry, changes in regulations and laws, and support for plan participant communication.

We focus on plan design, which allows you the independence and flexibility to work with your choice of investment advisors. For clients without an existing advisor relationship, we are pleased to refer you to qualified, licensed professionals who have proven their skills over time.

RHI works with many of the nation’s leading asset custody and trustee services, including Charles Schwab and TD Ameritrade. We’ll recommend the organization that provides broad access to investment choices and competitive pricing structures.

Through our alliances, RHI can offer virtually any mutual fund available on U.S. markets, as well as money market funds, Guaranteed Investment Certificates (GICs), commingled trusts and separately managed accounts.

We pride ourselves on our ability to design a custom financial services environment for your employees. Our clients enjoy the highest quality financial and investment services available at highly competitive rates.

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