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Corporate Retirement Plans

For BusinessesCorporate Retirement Plans

For Businesses
Corporate Retirement Plans

Corporate Retirement Plans is the other half of the practice. We understand plans as the multifaceted tools they are. Used properly, they retain and reward your people while working toward your own retirement. Participant education, plan design, administration, and compliance can each be complex enough to give anyone pause. Our purpose is to remove those worries so you can focus on keeping the lights on and your clients happy.

  • Participant Education

  • Plan Design & Setup

  • 401(k) & 403(b) Plans

  • Investment Menu Oversight

We have an in-house third-party administrator, not a middleman for one. Testing, annual filings, and 5500 audit support when you grow to need one. The people who built your plan are the same people who run it and the same people who show up to walk your employees through it.

What Sets Us Apart
Why Baldwin Capital


Retirement Plan Specialists

Our team that works on retirement plans does so every day, not as a side job


Quarterly Fiduciary Reviews

 A documented, time-tested process to help you meet your fiduciary duties


Customized Plan Design

A plan built to fit you and your workforce, not your big box competitor down the street


Employee Education

Plain talk at your employees' level, no jargon


Fund Selection and Monitoring

 A written process for selecting and monitoring investments


Open Architecture

A broad lineup of fund families, chosen on merit and cost, not ownership


In-House Plan Administration

Testing, filings, and plan documents handled by our own team


Provider Coordination

One team working between you, your payroll, and your recordkeeper

Real-world Outcomes
Case Studies

45 Employees · First-Time Plan 
Startup Plan

A growing firm with no retirement benefit.

WHAT WE DID

  • Launched with automatic enrollment
  • Safe-harbor design with an employer match
  • Built an ongoing employee education program

93% participation

Up from zero — nearly every employee now saving.

85-Employee Manufacturer
Advisor Takeover

An existing plan running on autopilot.

WHAT WE DID

  • Benchmarked and reduced plan fees
  • Upgraded the investment lineup
  • Modernized the plan design
  • Added employee education

31% lower fees

Plus higher participation and a higher average savings rate.

Conversion Roadmap - 401(k)
Next Steps

1. Kick-Off Meeting Day 0

  • Existing Recordkeeper
    • Notification / Deconversion Paperwork
    • Deconversion Manager Assigned
  • New Recordkeeper
    • Notification / Letter of Intent Signed
    • Implementation Manager Assigned

2. Investments & Fees Day 0-15

  • Investments
    • Approve Investment Lineup
    • Approve Default Option
    • Approve Stable Value
    • Approve Mapping Strategy
  • Fees
    • Approve Allocation of Fees

3. Plan Design Day 15-30

  • Bundled (w/ Recordkeeper)
    • Review Plan Document
    • Determine Plan Design Changes
    • Review SECURE Act 2.0
  • Unbundled (w/ TPA)
    • Same as above with TPA

4. Implementation Day 30-60

  • Recordkeeper
    • Upload Plan Provisions
    • Establish Payroll Integration
    • Generate Employee Notices
  • Plan Sponsor
    • Provide Employee Census File
    • Distribute Employee Notices

5. Communication Day 60-90

  • Digital, Virtual, or In-Person (as needed)
    • Employee Fliers
    • Enrollment Meetings Group
    • Meetings/Webinars
    • One-on-One Meetings

Corporate Services FAQs
Baldwin Capital Corporate Services 

At Baldwin Capital Management, we believe a corporate retirement plan should work for the business that sponsors it and the people who count on it. As the owner, you are most often both the employer running the plan and one of its largest participants, so we design with both in view. From plan design and setup to annual testing, fiduciary reviews, and employee education, our retirement plan team handles the work so you can get back to running your business.

Talk with Us

  • We help design the plan, review the investments, educate your employees, and handle the annual testing and filings. Work that is usually split across several providers stays with one firm.

  • Business owners who sponsor a 401(k) or 403(b) plan, or who are thinking about starting one. Our clients' plans range from a single-location shop to a multi-state employer.

  • Most likely, yes. We work alongside most recordkeepers, and if a change makes sense, we'll explain why and manage the conversion with you. The same goes for your TPA. Our job is finding the right service for your plan.

  • Our retirement plan team works on retirement plans full time, not as a side job. You get a small firm that knows your plan by name, with the experience to show you every option worth considering.

  • Call us or send your most recent plan document, Form 5500, or fee disclosure. We'll review how your plan is set up and tell you what we would change, if anything. If nothing else, you'll see how your current costs stack up.

Get Started
We Enable Dreams

Whatever you are building, we are here to help simplify the picture. The plan starts with a conversation.

Contact Us