Elevating Your Retirement Plan with Advanced Expertise and Innovation
Retirement Capital Services has partnered with Admin316, a leading retirement plan administration firm based in Corpus Christi, Texas, to offer a fully integrated and hassle-free retirement plan management experience. This collaboration combines The Advisor Group’s strategic advisory expertise—including ERISA fiduciary services—with Admin316’s strong administrative and compliance capabilities, providing a single-source solution that covers every aspect of your plan—from design and administration to reporting and compliance oversight.
We also collaborate with some of the most respected names in the retirement plan industry, including Fidelity Investments, Empower Retirement, PCS Retirement, Voya, and others. These trusted partnerships enable us to deliver tailored, flexible solutions that fit the unique needs of your business and workforce, no matter the plan size or complexity.
Outsourcing these critical functions to us streamlines your compliance processes using advanced, automated technology that handles everything from government filing preparations and plan document creation to secure data management. Our innovative systems ensure your plan remains fully compliant with evolving regulatory requirements, reducing administrative burdens and minimizing fiduciary risk.
This integrated model empowers you to confidently manage your retirement plan, knowing it meets the highest standards of fiduciary duty, professionalism, and compliance. Together, we deliver a streamlined, reliable solution designed to protect your business, secure your employees’ retirement futures, and promote growth for all parties involved.
Our Strategic Approach
Simplify Compliance. Reduce Risk. Strengthen Your Plan.
Managing the complexities of retirement plan compliance is more than just a duty — it’s essential to protecting your organization and its participants.
We streamline this process by providing expert outsourcing services that ease your team’s workload and safeguard your plan with accuracy.
Our all-encompassing, technology-powered solution automates vital tasks such as:
Preparing Government Filings, including Form 5500 and associated disclosures
Creating All Required Legal Plan Documents
Collecting and Reporting Data with Precision and Efficiency
By utilizing our advanced tools and extensive ERISA knowledge, you can confidently keep pace with constantly evolving regulations — with greater ease and enhanced protection.
Comprehensive Solutions for Confident Retirement Plan Management
We provide expert guidance to help you meet regulatory requirements and confidently fulfill your fiduciary responsibilities.
ERISA Section 3(16) Administrator
A 3(16) Administrator is the person or entity “so designated” in the plan document. The employer is the default Plan Administrator if none is designated. The Plan Administrator is basically responsible for any fiduciary responsibility not assumed by the ERISA section 403(a) Trustee.
ERISA Section 402(a) Named Fiduciary
A 402(a) Named Fiduciary is formally designated in the plan document as the individual or entity with ultimate authority over the management and administration of the retirement plan. In most cases, this role is fulfilled by the ERISA Section 3(16) Plan Administrator.
ERISA Section 3(38) Investment Fiduciary
A 3(38) Investment Manager is a fiduciary under ERISA, responsible for selecting, managing, monitoring, and benchmarking a retirement plan's investments. In some plans, they also have discretionary authority to direct fund investments, except in participant-directed plans.
Inspired by Purpose. Powered by People.
At Retirement Capital Services, we rely on Admin316 to expertly handle many of the vital functions of your retirement plan. As your appointed Trustee, we accept the crucial duty of managing your plan’s administration, making sure it operates efficiently and complies with all applicable regulations.
Every retirement plan requires at least one designated trustee, and we are committed to safeguarding the integrity and fiduciary responsibilities of your plan. However, understanding the distinct roles of everyone involved is essential to the plan’s overall success.
So, who are the key players in managing your retirement plan?
What roles do the Third-Party Administrator (TPA), Recordkeeper, and Custodian play?
Who is responsible for overseeing your plan’s investments?
Are our advisors the ones making investment decisions?
Do they hold the proper licenses to act as a 3(21) or 3(38) fiduciary?
Who ultimately bears the responsibility, and what implications does that have for you?
Addressing these questions with transparency and confidence is critical. Partnering with Admin316 and our experienced team means all roles are clearly defined, and your retirement plan is managed by knowledgeable, dependable hands.
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Read MoreFrequently Asked Questions (FAQs)
How can a retirement plan fiduciary help minimize liability for plan sponsors?
A retirement plan fiduciary, particularly a 3(16) fiduciary, takes on essential administrative responsibilities such as ensuring ERISA compliance, filing government forms on time, and overseeing daily plan operations. By delegating these tasks, plan sponsors can significantly reduce their exposure to fiduciary liability, allowing them to concentrate on their core business activities with confidence.
What role does a fiduciary financial planner play in managing a retirement plan, particularly in collaboration with a retirement plan administrator?
A fiduciary financial planner is essential in ensuring retirement plans are managed with the participants’ best interests in mind. Working closely with the retirement plan administrator, they deliver fiduciary wealth management services that include strategic financial guidance, oversight of investment choices, and adherence to regulatory compliance. This partnership helps plan sponsors fulfill their fiduciary responsibilities while enhancing the plan’s overall performance.
What are the benefits of utilizing a 316 fiduciary for retirement plan administration?
A 316 fiduciary provides comprehensive retirement plan administration, handling all aspects from compliance and participant notifications to essential filings. By utilizing 3(16) fiduciary services, company executives and HR teams can relieve themselves of these complex responsibilities, entrusting a fiduciary management expert to ensure the plan remains both compliant and cost-effective.
How does fiduciary wealth management, led by a fiduciary financial planner, differ from traditional retirement plan administration?
Fiduciary wealth management encompasses more than just handling the daily administrative tasks of a retirement plan. A fiduciary financial planner provides strategic financial oversight to ensure that the plan’s investments align with the best interests of its participants. These certified professionals go beyond mere compliance, offering long-term strategies designed to optimize plan performance and enhance financial outcomes.
Phone: 361-271-1211
Email:service@admin316.com
Address: 8273 S. Saginaw St., Suite A
Hours: Monday – Friday, 8:00 AM –5:00 PM CST