Employee Benefits and Retirement Plan Design

Taking the lead in retirement plan support for plan sponsors.

Meet NextLevel(k)

  • Developed exclusively for BCJ Financial Group Advisors
  • Dedicated in-house retirement plan support team
  • Access to industry-leading tools & resources
  • Top service provider alliance
  • Access to BCJ built and managed investment models

10 Common 401(k) Plan Mistakes

401(k) Industry Problems



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.

*BCJ Investment Model options are limited to the Tactical Overlay Model, BCJ ETF Navigator Model and BlackRock Model

**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]

Life is a journey. Let's plan for it.