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401K, 403B, 457
MULTI-EMPLOYER
HSA
PLAN SIZE MINIMUMS
HIDDEN COSTS & CONFLICTED COMPENSATION
CANCELLATION RESTRICTIONS
INNOVATIVE INVESTMENT MENU
Intelligent Investments
Using a proprietary methodology Quartz Partners' seasoned investment team curates a diverse fund menu of individual funds ("DIY") and target date funds ("set it and forget it") from a universe of over 10,000 funds. The funds we select are monitored for performance, expenses and fit.
Our simple Risk Profile Questionnaire help's employees determine the right mix of funds by identifying their age, objectives and risk tolerance. The Quartz investment team can also actively manage employee investments in one of our custom portfolios.
SMALL FEES. BIG IMPACT.
Why Fees Matter
High plan fees expose employers and plan trustees to unsolicited regulatory scrutiny and civil liability.
Our plans are built for cost efficiency. Each dollar spent on plan and mutual fund fees is one less dollar for employee benefits or driving business revenue. Reducing fund and administrative plan fees by as little as 0.25% can increase an employees retirement savings by $220,000, increasing their annual retirement income by over $11,000 per year1.
With participant fees of 0.75%
With participant fees of 1.00%
$3,426,000
$221,857
$3,204,143
0
10
20
30
Year 40
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24/7 INTUITIVE ONLINE PLATFORM
End-to-End Solution
We can be added to an existing plan or choose our turn key solution is customizable and comprehensive, tackling all the necessary components; administration, recordkeeping, custody, participant advice and investment management. Our goal is to allow your business to focus on what matters most; corporate culture and running the core business operations. Our team is ready to provide support by phone, email, or on-site.
FIDUCIARY PROTECTION. FOR YOUR BEST INTEREST.
Less Employer Liability
When an employer does not use a 3(38) fiduciary, the DOL requires the requires the employer to be a "prudent expert" in selecting and monitoring the investment line up, regardless if there is an existing advisor on the plan. In 2019 the Department of Labor recovered over $2 billion6 in enforcement actions for employee benefit plans.
Our plans are designed to reduce to the fullest extent possible employer and plan trustee liability exposure. Less than 15% of plan advisors are willing to assume the liability by offering 3(38) fiduciary services.
Already working with an advisor you like? Add our 3(38) fiduciary protection and we'll lower liability, costs and strengthen your plan.
We select a diversified list of over 20 passive index mutual funds for employees to build a portfolio of their own. Why do we typically choose index funds that cost 60% less3? Over 80% of U.S. equity mutual funds failed to beat their benchmark over a 15-year period6. We are flexible and incorporate active mutual funds.
INNOVATIVE INVESTMENT MENU
One Plan. 3 Ways to Invest.
✓ Quartz Partners adaptCORE Portfolios
✓ Diverse lineup of investments
✓ Target Date Retirement Funds
As a single mutual fund solution, target date mutual funds hold a mix of stocks, bonds, and other investments. Over time, as an employee approaches retirement the mix gradually shifts assets from stocks to bonds. Target date funds are designed to be long-term investments for individuals with particular retirement dates in mind.
Quartz Partners' adaptCORE portfolios are built to navigate volatile markets and are driven by our firm philosophy: the key to long-term investment growth is a tactical approach that seeks high total returns with a vigilant commitment to downside risk management.
2
Quartz Partners' seasoned investment team curates a fund menu from a universe of over 10,000 funds utilizing a repeatable scientific process. The funds selected are monitored for performance, expenses and fit. Funds are quickly replaced when better funds are identified.