401(k)s & Other Employer-Sponsored Retirement Plans

Optimizing Retirement Solutions for Your Business and Your Team

A retirement plan should be more than a checked box on a benefits list; it should be a powerful engine for your business’s success and your employees’ future. However, many plans established years ago have become stagnant—burdened by high fees, outdated investment lineups, or administrative complexity.

At Compass Financial Group in Raleigh, NC, we serve as your specialist guides in the complex landscape of employer-sponsored plans. We believe your current plan deserves a second look. Our team provides comprehensive audits of existing 401(k) solutions to identify missed opportunities for tax efficiency, improved participation, and fiduciary guidance. We help you ensure that the plan you have today is truly the best vehicle for the chapter your employees are working toward.

Learn More About Our Retirement Plans Tailored for Dentists

Our Approach

A successful retirement plan for business requires careful planning and ongoing management. We provide hands-on support at every stage to ensure your plan is compliant, engages employees, and drives real value for your business.

Key areas of support include:

Plan Strategy & Design: Create a retirement plan tailored to your business goals, workforce, and company culture.
Fiduciary Guidance: Navigate ERISA and IRS requirements with confidence and professional oversight.
Vendor Coordination: Seamlessly manage recordkeepers, payroll providers, and third-party administrators.
Investment Oversight: Select and monitor your fund lineup to help employees build for retirement.
Employee Education & Engagement: Provide enrollment support, clear educational resources, and ongoing guidance to encourage participation.
Ongoing Review & Optimization: Regularly assess plan performance and contribution strategies to ensure alignment with your objectives.

Working Together — Simple, Thoughtful, Client-Focused

A retirement plan should be more than a checked box on a benefits list; it should be a powerful engine for your business’s success and your employees’ future. However, many plans established years ago have become stagnant—burdened by high fees, outdated investment lineups, or administrative complexity.

At Compass Financial Group in Raleigh, NC, we serve as your specialist guides in the complex landscape of employer-sponsored plans. We believe your current plan deserves a second look. Our team provides comprehensive audits of existing 401(k) solutions to identify missed opportunities for tax efficiency, improved participation, and fiduciary protection. We help you ensure that the plan you have today is truly the best vehicle for the chapter your employees are working toward.clarity and collaboration.

We guide you through every step:

Discovery & Goals Assessment: Understand your business, workforce, and objectives.
Plan Design & Recommendations: Create a structure tailored to your company.
Implementation & Enrollment Support: Manage setup and employee onboarding.
Ongoing Guidance & Monitoring: Keep your plan compliant, effective, and optimized over time.

You remain in control of key decisions, while we manage the complexity behind the scenes.

Types of Plans Your Business Can Offer

Every business is unique. We help you evaluate options and create a retirement plan that fits your workforce, goals, and budget.

Common options include:

Solo(k) Plans: A plan with high contribution limits and Roth options, tailored for self-employed individuals or business owners with no employees other than a spouse.
SIMPLE / SEP Plans: Cost-effective solutions for smaller businesses or solo-owner companies.
Traditional 401(k) Plans for Businesses: Flexible employee salary deferrals with optional employer match or profit-sharing.
Safe Harbor 401(k) Plans: Automatically satisfy IRS nondiscrimination rules with predictable contributions.
Profit-Sharing or Cash-Balance Plans: Provide owners flexibility for larger or discretionary contributions.

Why Choose Compass Financial Group?

We create tailored retirement plans for businesses, providing hands-on guidance, fiduciary expertise, and ongoing support — turning your retirement plan into a strategic advantage for your company and your employees.

Our approach includes:

Tailored Plan Design: We create a retirement plan that fits your business goals, workforce, and culture, not a one-size-fits-all solution.
Fiduciary Guidance: Manage your business and meet compliance requirements with confidence, while minimizing administrative and investment risk.
Investment Oversight: Carefully select and monitor your fund lineup to help employees build for retirement.
Employee Education & Engagement: Provide clear guidance, enrollment support, and ongoing resources to help your team understand and maximize their benefits.

With decades of collective experience in financial planning and retirement strategy, Compass delivers personalized solutions that align with your company’s objectives. We make managing your employer-sponsored retirement plan seamless — a strategic advantage, not a burden.

Is Your Current Plan Working as Hard as You Are?

Whether you are launching your company’s very first retirement roadmap or—as is often the case—you suspect your existing plan has drifted off course, Compass Financial Group is here to provide clarity. Many business owners haven't audited their 401(k) in years. We specialize in "looking under the hood" to find ways to improve plan performance, reduce costs, and increase engagement.

Our role is to act as your financial quarterback, coordinating the technical details so your retirement benefit becomes a strategic advantage rather than an administrative burden. Let us help you ensure your plan is prepared for the long journey ahead.

Ready to Optimize Your Plan?

Is your current retirement plan still the right fit for your business’s story? We invite you to schedule a professional plan review. We almost always find meaningful ways to help your plan work harder for you and your team. Contact Christian Hill CFPA today to go over the details.

Contact Christian however you prefer:

Email: christian.hill@compassfinancialgrp.com
Call: (919) 714-7491
Text: (919) 850-5914

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This information was developed as a general guide to educate plan sponsors, but is not intended as authoritative guidance or tax or legal advice. Each plan has unique requirements, and you should consult your attorney or tax advisor for guidance on your specific situation. In no way does advisor assure that, by using the information provided, plan sponsor will be in compliance with ERISA regulations.