401(k) plans built for your business
A stronger retirement plan can help your team and your business. Our advisors help sponsors evaluate design, fees, fiduciary support, payroll integration, and employee education.
Make the company retirement plan easier to run and easier to value
Savvy helps business owners and HR teams think through the plan sponsor, employee, and operational sides of a 401(k).
Plan design aligned to business goals
Safe harbor, Roth features, profit sharing, auto-enrollment, eligibility, and matching strategies can all shape the plan.
Fiduciary support and investment oversight
A thoughtful process can help plan sponsors evaluate investment lineups, fees, service providers, and responsibilities.
Payroll and administration coordination
Savvy can help plan sponsors think through integrations and transition steps that may reduce manual work.
How 401(k) planning works
Savvy helps plan sponsors evaluate whether the current plan still fits the company and employees it is meant to serve.
Review plan goals and current setup
Your advisor evaluates plan design, fees, investments, participation, payroll process, and service provider fit.
Compare options and fiduciary support
The plan may consider provider changes, investment lineup updates, 3(38) or 3(16) support, and employee education needs.
Support implementation and education
Your advisor can help coordinate transition steps and create a communication plan for employees.
What you get with a Savvy advisor
Personal guidance with more attention
Savvy handles the operational lift behind the scenes so your advisor can stay focused on your goals, your questions, and the decisions that matter.
70%
More time focused on you
Most financial advisors aren’t legally required to act in your best interest. Savvy Advisors are.
Your advisor is a fiduciary
Many advisors are tied to product incentives, sales targets, or firm priorities. Your advisor is different. As an independent fiduciary, they are required to put your best interest first and give advice shaped around what is genuinely right for you.
Backed by institutional-grade intelligence
Behind your advisor sits an in-house investment team, a direct line to Savvy's Chief Investment Officer, and the best-in-class technology that makes it all run.
18% higher relative return compared to the S&P 500 in 2025*
*Savvy Total Portfolios All Equity vs S&P 500. Relative return refers to the percentage increase between percentages
401(k) and employer plan insights
Review your 401(k) plan with a clearer lens
A Savvy advisor can help you evaluate plan design, fees, support, and employee education for your business.
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FAQ
Consider fees, investment options, payroll integration, fiduciary support, service model, employee experience, reporting, and plan design flexibility.
Consider fees, investment options, payroll integration, fiduciary support, service model, employee experience, reporting, and plan design flexibility.
A 3(38) fiduciary can take responsibility for selecting, monitoring, and replacing plan investments, depending on the agreement. Plan sponsors should review responsibilities carefully.
A safe harbor 401(k) is a plan design that can help satisfy certain nondiscrimination testing requirements when required employer contributions are made.
Some businesses may qualify for retirement plan startup tax credits. Eligibility and amounts depend on current law and business specifics, so review with a tax professional.
Plan sponsors should review fees, investments, service providers, participation, and plan design regularly, often at least annually, and document the process.