Retirement Plans
Plan Fee Inspections
Affiliations & Credentials
Lower costs can help accelerate employee wealth accumulation.
Many plan sponsors and participants are unaware of the true cost of their retirement plan due to multiple layers of embedded fees. Our plan fee inspection provides a detailed analysis, allowing you to track every dollar leaving participant accounts.
Fees analyzed include:
- Administrative/Provider: Recordkeeping, accounting, and trustee services
- Third-Party Administrator (TPA): Compliance testing and government filings
- Advisor: Direct compensation paid to plan advisors
- 12b-1 fees: Marketing and distribution fees paid to brokers
- Shareholder servicing fees: Compensation to financial intermediaries
- Sub-TA fees: Payments to recordkeepers or TPAs
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Have a question about your plan or want to explore how FBG can help? Reach out – we'll get back to you promptly.
FAQ
Your questions, answered.
FBG provides workplace financial education virtually and on-site, including group meetings, one-on-one support, and access to personalized financial planning for all employees. Employees are also provided with access to Estate Planning resources and can get a Will for zero cost!
Yes, every FBG client can expect to work with a CERTIFIED FINANCIAL PLANNER™ professional who is held to rigorous ethical and fiduciary standards, ensuring your individual financial goals and wealth management needs are always the priority.
FBG constructs various institutional plan structures tailored for efficiency and tax health, including:
- 401(k), 403(b), and 457 plans
- Cash Balance plans
- Endowments/Foundations
- Prevailing Wage plans
FBG believes that consulting compensation should correspond solely to the value added rather than fluctuating with market and contribution growth. They offer clients the option to be billed on a flat-dollar basis rather than strictly using variable consulting fees that rise automatically as more funds are contributed to a plan.
Unlike many firms driven by sales quotas, FBG prioritizes client service by limiting the size of each advisor's practice. They operate under a 24-hour response commitment and challenge industry norms- such as the over-reliance on Target Date Funds—to provide truly personalized financial advice.