Most retirement plans are running on decisions made years ago, when the company looked very different than it does today. (For some of our high growth clients, I might say it was built for a completely different company!) 

That doesn't mean anyone made the wrong decisions. In fact, the plan was probably designed thoughtfully at the time. But companies evolve…

As an organization grows, the retirement plan it started with RARELY remains the same. Growth introduces a predictable shift in operational complexity, regulatory requirements, and fiduciary risk. 

Even though it’s predictable…it’s often something that catches leaders off guard.

Most organizations assume that if their plan passes its annual audit, they’re in good shape. After all, the numbers tie out. The financial statements are accurate. The auditor didn’t flag anything major.

But here’s the uncomfortable truth: an audit is not the same thing as compliance…