EMPLOYEE BENEFITS &
RETIREMENT PLAN DESIGN

MEET
NEXT LEVEL(k)

Developed exclusively for BCJ Financial Group Advisors, Next Level(k) provides a dedicated in-house retirement plan support team, access to industry-leading tools & resources, top service provider alliance, and access to BCJ built and managed investment models.

401(k) Industry Problems

NextLevel(k) Solutions

PLAN FEES

While larger plan fees can come in below the 1% mark, many smaller companies are looking at fees anywhere from 1.5% all the way up to 3.5%.1

Plan solutions offer institutionally managed funds. This concept of “buying in bulk” could reduce overall plan fees.

INVESTMENT OPTIONS

Participants are often given expensive and confusing investment options that can be riddled with hidden fees, resulting in dwindling retirement savings.

Allows advisors to provide sponsors and their participants with clear and transparent investment guidance, lower-fees and lower-cost institutionally managed funds, and the option of BCJ built and managed funds.*

PLAN GOVERNANCE

As the acting plan investment fiduciary, sponsors can be held liable for administrative missteps and plan audits.

Sponsors pass the fiduciary roll to BCJ** as the 3(38) for the plan. This mitigates the risk removes liability for investment management from the plan sponsor.

PLAN ADMINISTRATION

Sponsors and their HR Managers can spend countless hours managing all of the moving pieces within a complex 401(k) program.

NextLevel(k) combines the support of the plan advisor, plan service administrator and plan fiduciary to create a comprehensive administrative solution.

10 COMMON MISTAKES IN SMALL BUSINESS RETIREMENT PLANS

Too many business owners are just too swamped to know every move that is made with their company retirement plans.

*BCJ Investment Model options are limited to BCJ NDR Dynamic Allocation Strategy model, BCJ NDR Tactical Allocation Strategy model, BCJ NDR Sector Allocation Strategy model, BCJ NDR Fixed Income Allocation Strategy model and select BlackRock models.

**BCJ Capital Management LLC assumes the liabilities and risks of the 3(38) investment fiduciary role.

1- Everything you need to know about 401(k) fees. Alessandra Malto. Marketwatch.com. April 7, 2018 [1/24/19]