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What an Independent Review Covers
We examine the areas most likely to affect your employees' retirement outcomes — and your exposure as a plan sponsor.
Administrative Fees
Benchmark your plan's cost-per-participant against comparable plans in your industry and region.
Fiduciary Oversight
Confirm your plan governance, investment policy statement, and committee documentation are in order.
Investment Lineup
Review fund options, expense ratios, and whether participants have access to appropriate diversification.
Participant Outcomes
Assess participation rates, deferral levels, and whether employees are on track for a secure retirement.
Adviser Compensation
Understand what your current adviser is being paid — directly and indirectly — and what services you're receiving.
Plan Design
Identify whether auto-enrolment, auto-escalation, or matching structures could improve outcomes at no added cost.
Common Concerns We Help Employers Address
These are screening observations — not findings of wrongdoing. A review helps establish the facts.
Your Reviewer
Byron G. Moore
Byron leads Sovereign Wealth Management, a Washington DC-area financial consulting firm focused on helping individuals and businesses make informed financial decisions. He works with federal employees, business owners, and plan sponsors across Maryland, DC, and Virginia.
A retirement plan review is an educational conversation — not a sales pitch. Byron's goal is to give you an honest assessment of where your plan stands and what, if anything, warrants a closer look.
Request Your Complimentary Plan Review
No obligation. No sales pressure. Just an honest, independent look at your retirement plan.