Investment Services

Ongoing ERISA & Fiduciary Support

How We Can Help

Small businesses invest plan assets in a variety of ways. Participants may be permitted to direct the investment of their accounts – this is referred to as “Participant-Directed.” The trustee of the plan will provide the investments from which participants can choose and is responsible for educating the employees on the investment options available. The trustee is responsible for the investment of plan assets “prudently” and for the “exclusive benefit” of plan participants. Alternatively, the trustee may choose to direct the investment of plan assets on behalf of plan participants – referred to as “Trustee-Directed.” However, this also means the trustee can be held responsible for the performance of the plan’s investments.

Generally the investment powers and limitations for the trustee are outlined in the plan document. Investments may include mutual funds, certificates of deposit, real estate, stocks, bonds, annuities or life insurance contracts. Employee Incentive Plans, Inc (EIP) can provide you with various investment options for your plan and our advisory relationships will help you determine the right choice of investments and create an investment policy for the plan.

Low-cost Index & Mutual Funds

Powered by our open-architecture trading and custodial platform, EIP is able to offer investment choices from multiple product sponsors, all in the pursuit of providing our clients the best investment options to accomplish their investment goals. Investments options typically include low-cost index & mutual funds from Vanguard, DFA, Fidelity, PIMCO and many more.  On a fiduciary level, trustees will be provided detailed plan investment performance and allocation summaries to monitor investment selections.

Bridge Portfolios - Managed Accounts

For participants who feel unprepared or uncomfortable managing their own investments within their retirement plan, our advisory services offered through AtlasMark Financial provide a streamlined process for managing the account on behalf of the participant. This option offers participants professional money management for their retirement plan accounts along with investment selection recommendation and trade execution. To obtain additional information about the Bridge Portfolios or to enroll in professional money management services please contact EIP.

EIP Exchange - Participant 401(k) Investment Portal

EIP Exchange is our open-architecture trading and custodial platform. As an employer, you are able to offer participants investment choices from a vastly larger universe compared to other trading programs with our independent EIP Exchange platform. It also provides participant education along with trading and investment direction. By making the investment management process more understandable and user-friendly, participants are able to seamlessly facilitate the changes with ease.

ERISA §3(38) Investment Manager

A retirement plan investment line-up is one of the most important responsibilities of the plan sponsor. If not properly managed and monitored, a breach of Fiduciary responsibility can lead to costly lawsuits. ERISA requires a Plan Sponsor to maintain a prudent level of investment knowledge as it pertains to the retirement plan. When a Plan Sponsor lacks the technical expertise and experience to properly select and manage the plan investment line-up, ERISA may require a Plan Sponsor to hire a knowledgeable adviser to take on the plan’s investment responsibility. 

This is why we bring in our ERISA 3(38) Investment Management through AtlasMark Financial to help you manage your fiduciary liability. We effectively create a co-fiduciary relationship between you, your plan and our advisory team. When serving as your 3(38) Investment Manager, you shift the fiduciary liability for selecting and monitoring the plan investment line-up onto AtlasMark. With the ever-increasing litigation threats in retirement plans, you can add a layer of fiduciary protection by having our team serve as your 3(38) Investment Manager.

Our goal is to make available to the plan solid, high-quality investment options and to provide plan sponsors with sound, prudent investment insight, as well as to monitor and assess your plan’s designated investment alternatives. Through our own proprietary review and monitoring system, we give powerful advice in an easy to understand format. We provide our clients with an Investment Policy Statement designed to outline the framework for selecting, monitoring and maintaining your plan’s core investment lineup to protect plan sponsors and employees.

3(38) Investment Manager Services for 401k

Individual Investment Options

For individuals who wish to personally invest funds from outside their retirement plans, we offer a comprehensive investment solution. Our wealth management group provides investment and planning services, including individual retirement accounts (IRAs), 529 plan college savings accounts, as well as personal investment accounts for individuals, families and corporations. We also provide insurance and annuities to help balance your portfolio. Our firm helps design a comprehensive and cost-effective investment package for you and your family’s needs to prepare and provide for a better retirement. Planning services are provided by AtlasMark Financial, Inc, and investment services provided by Securities America, Inc.

START YOUR RETIREMENT PLAN TODAY or have us benchmark & review your current retirement plan

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