Group Retirement

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Group Retirement Solutions: Building Better Futures Together

Transforming Retirement Outcomes

At Optimus Group, we believe that a well-designed retirement program does more than help employees save – it builds confidence, drives engagement, and creates a more productive workforce while managing costs and risks for employers.

Our Comprehensive Approach

Plan Design & Implementation

  • 401(k) and 403(b) plans

  • Cash balance pension plans

  • Multiple employer plans (MEPs)

  • Profit sharing arrangements

  • Safe harbor designs

  • Custom hybrid solutions

Fiduciary Services

  • 3(21) investment advisory services

  • 3(38) discretionary management

  • Fiduciary training and education

  • Investment policy development

  • Vendor fee analysis and benchmarking

  • Regular plan performance reviews

Cost Management

  • Fee transparency and analysis

  • Provider benchmarking

  • Investment expense optimization

  • Administrative efficiency

  • Revenue sharing analysis

  • Cost allocation strategies

Employee Engagement

  • Custom education programs

  • Financial wellness initiatives

  • Targeted communication strategies

  • One-on-one counseling

  • Digital engagement tools

  • Retirement readiness tracking

The Optimus Advantage

Strategic Process

1. Discovery & Analysis

  1. Current plan assessment

  2. Goal identification

  3. Benchmark analysis

  4. Cost evaluation

  5. Compliance review

2. Solution Development

  1. Plan design optimization

  2. Investment strategy

  3. Provider selection

  4. Fee structure analysis

  5. Implementation planning

3. Implementation

  1. Seamless transition management

  2. Employee communication

  3. Provider coordination

  4. Compliance documentation

  5. Training and education

4. Ongoing Support

  1. Regular plan reviews

  2. Investment monitoring

  3. Compliance oversight

  4. Employee education

  5. Performance optimization

Innovation in Action

  • Target date fund analysis and custom solutions

  • ESG investment options

  • Financial wellness integration

  • Mobile-first technology platforms

  • Automated plan features

  • Custom qualified default investment alternatives (QDIAs)

Measurable Results

Performance & Risk Management

  • Significant fee reductions

  • Enhanced retirement readiness scores

  • Comprehensive compliance monitoring

  • Regular fiduciary reviews

  • Investment due diligence

  • Provider oversight

  • Documentation management

Plan Types

Solutions for Every Need

1. Traditional 401(k) Plans

  1. Safe harbor options

  2. Roth features

  3. Profit sharing

  4. Match optimization

  5. Auto-enrollment

  6. Auto-escalation

2. Cash Balance Plans

  1. Combined with 401(k)

  2. Age-weighted benefits

  3. Tax optimization

  4. Funding flexibility

  5. Custom designs

3. Multiple Employer Plans

  1. Cost sharing

  2. Administrative efficiency

  3. Investment power

  4. Compliance support

  5. Reduced liability

Getting Started

Assessment Process

  • Current plan review

  • Goals and objectives discussion

  • Gap analysis

  • Solution development

  • Implementation planning

Next Steps

Contact Optimus Group for a complimentary retirement plan assessment. We'll show you how to:

  • Optimize your retirement program

  • Reduce costs and risks

  • Improve employee outcomes

  • Enhance plan efficiency

  • Ensure compliance

Remember: A well-designed retirement program is more than a benefit – it's a strategic tool for organizational success. Let Optimus Group help you build a retirement solution that delivers real value for your organization and your employees.

Our Commitment

We believe in building retirement programs that work for everyone – employers, employees, and the organization as a whole. Our approach combines expertise, innovation, and a dedication to achieving measurable results.

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