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Retirement Plan Solutions

Helping Your Employees Prepare for the Future 

See how fiduciary investment expertise can strengthen your plan and engage your team.

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Clarity and Confidence for Every Retirement Plan

A retirement plan is one of the most valuable benefits a company can offer its team members. It helps employees feel more confident when planning for their financial future and shows that your organization is invested in their long-term well-being.

At Evermay, we work closely with companies to make 401(k) and 403(b) retirement plans easier to manage and more impactful for employees. 

As an ERISA* Section 3(21) fiduciary, we provide independent investment advice and share in the responsibility of making sure a plan sponsor’s decisions are always in the best interest of its employees.

*Employee Retirement Income Security Act of 1974, as amended (“ERISA”).

What a 3(21) Fiduciary Means for You

Serving as a 3(21) fiduciary under ERISA, Evermay:

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Recommends Investments

We research and recommend a diversified lineup of funds across asset classes and investment styles, giving you thoughtful choices while leaving final decisions up to the plan sponsor.

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Loyalty to Participants

As a fiduciary advisor, our primary duty is to act solely in the interest of the plan and its participants.

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Monitors Performance

We regularly monitor fund performance, fees, and market conditions, keeping the plan sponsor and participants informed of any recommended changes based on our analysis and outlook.

Plan Sponsor Solutions

To help you manage your fiduciary responsibilities with confidence, Evermay provides:

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Investment Policy Statement Generation and Review

If needed, we’ll help develop an Investment Policy Statement (IPS), or work from the existing IPS, to define, implement, and monitor the plan’s investment strategy.

Recommendation of Investment Options

Our team’s professional expertise helps to ensure the plan’s investments meet industry standards and align with participants’ goals.

Monitor Investment Performance

We consistently evaluate the performance of investment options and recommend replacements as needed for underperforming funds.

Investment Committee Services

You won’t have to do it alone. We can contribute to strategic meetings with plan trustees or committees, ensuring decisions are informed and aligned with best practices.

Plan Participant Guidance

While investment oversight and plan compliance are critical, employee engagement is where retirement plans truly succeed. Evermay places a strong emphasis on:

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Employee Education

Quarterly communications, in-office or virtual presentations, and one-on-one guidance that help employees understand their investment options and make confident choices.

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Increased Participation

By making retirement planning accessible and approachable, we help improve plan participation rates and retirement readiness.

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Dedicated Support

A responsive team that’s available to both your leadership and your employees.

Building Confidence, Together

Our role is to make sure your retirement plan doesn’t just check boxes but also provides meaningful guidance and resources for plan participants.

When employees understand and engage with their retirement plan, everyone benefits. Evermay helps bridge the gap between plan management and employee participation, ensuring your team feels supported, prepared, and confident about their financial future.

Like all fiduciaries, a “3(21) advisor” must meet the “prudent expert” standard, meaning they must exercise the skill and care that a prudent expert would in a similar situation. Find out more.

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Ready To Learn More?  

Every retirement plan is unique, but they all share a common goal: helping employees build financial security for their future. Whether you’re looking to enhance an existing plan or establish a new one, the right fiduciary partnership can make all the difference.

Contact us to start exploring how our 3(21) fiduciary services might strengthen your plan’s investment oversight while improving employee engagement and participation rates.

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