Group Retirement Plans


Advisory Services

Utilizing our extensive experience, our mission is to accomplish our common goal of making your retirement plan program a success and thereby assist you in attracting and maintaining quality employees.  We offer a comprehensive range of services, including:

  • Determining your company’s unique needs, goals and concerns through an extensive plan sponsor fact-finding interview;
  • Using due diligence to assess and recommend an appropriate retirement plan provider’s platform and services;
  • Providing guidance on a quality plan design that meets your needs;
  • Decreasing you retirement plan administrative burden by placing your plan with a top-quality administrative service provider;
  • Offering compliance knowledge on technical government rules and regulations to ensure compliance with ERISA Section 404(c) requirements;
  • Enhancing your fiduciary review process with assistance in creating an Investment Policy Statement;
  • Ensuring that your retirement plan offers a diversified lineup of portfolio options in accordance with ERISA Section 404(c);
  • Responding to questions, phone calls and emails in a timely manner;
  • Proactively presenting plan participants with a retirement savings education program through
    • Continual employee communication and
    • Ongoing enrollment and participant education meetings;
  • Educating plan participants on the convenient use of online account access;
  • One-on-One consulting available for plan participants requesting personalized financial planning assistance; and
  • Referrals to other professional partners, such as TPAs, CPAs and Attorneys.


Investment Platform

Whether your plan is large or small, established or just starting, Compass Insurance & Financial Group has the expertise across all plan types to deliver smart solutions for your retirement plan. Taking into account your concern regarding costs that reduce the benefits available for each participant at retirement, we design our solutions with cost-effective transparent pricing and features that enable full disclosure to participants. Our team works with you to deliver outstanding service to your plan and its participants.

Open Architecture Capabilities

We utilize a conflict-free open-architecture platform that serves all plan types (401(k)403(b)457, Defined Benefit, SEP and SIMPLE IRAs, and MEP) and allows us the flexibility to build your plan from a choice of more than 25,000 investment options. Our platform delivers full fee transparency with its Definitive Disclosure feature for fee disclosure, as well as a full suite of reports for you and your participants.

Tools and Services

We are committed to consistently delivering smart tools to help plan sponsors successfully manage retirement plans. You can be confident that you and your participants will receive accurate, timely and efficient service from an experienced team fully trained to handle your needs.

  • Easy, 365-day access to your retirement plan details, reports and fees through the sponsor portal
  • Your plan participants have on-demand access to their account details, balances and information on their plan investments
  • Professionally trained Call Center Specialists available Monday through Friday from 8 a.m. – 8 p.m. ET
  • Comprehensive training guides and tutorials are available to assist you and your plan participants learn the Aspire system
  • Your plan participants have access to a full menu of investor education tools, including FAQs, articles, calculators, and tutorials, to help them get started, understand investment options, and navigate the waters as they approach retirement.  In addition, we offer a suite of on-site financial education options.

3(38) Investment Fiduciary Options

We can assist you in hiring an Investment Fiduciary, designed to effectively shift a significant portion of the Plan Sponsor’s liability. The hiring of a 3(38) Investment Fiduciary alters the Plan Sponsor’s fiduciary responsibility as the liability now relates to the choosing and monitoring of a 3(38) Investment Manager.


Advanced Plan Design and Administration

We provide unbundled solutions in order to maximize the possibilities and effectiveness of Advanced Plan Design through our Third Party Administrator partners.  When employers establish a qualified plan for their company they usually choose between one of two purposes for the plan.  Either they want to offer a traditional broad-based benefit to their employees, or they want to find a way to maximize contributions to certain executives on a tax deductible basis.  It is now possible to have the "best of both worlds" through a concept called Advanced Plan Design.

Administration and Recordkeeping services from our TPA partners include, but are not limited to:

  • Plan Documents & Amendments
  • Compliance Testing
  • Annual Return Form 5500 & Schedule Attachments
  • Annual Valuations & Participant Statements
  • PBGC Filing