Bundled 401(k) providers package recordkeeping, administration, and investments from separate systems under one contract — and every point where those systems hand data to each other can be a point where errors happen. Franchise operators absorb those errors. We built something different.
| The Bundled Provider Problem | Our Independent Approach |
|---|---|
| Slow vendor updates delay regulatory compliance — you wait on third-party release cycles | A single, purpose-built platform with automated compliance — kept current, no waiting on outside vendors |
| System breakpoints cause errors in deductions, matches, and eligibility tracking | Single-system reliability with real-time payroll-to-plan data flow — fewer moving parts, fewer failures |
| Fragmented data requires HR to manually reconcile errors every pay period | Automated workflows handle the heavy lifting — your team runs the business, not the spreadsheets |
| Multiple support teams create finger-pointing when something goes wrong | One relationship manager One point of accountability. When something needs resolving, there is one person to call. |
| Fiduciary governance may not be documented — plan sponsors sign and hope nothing surfaces | Signed fiduciary agreements on file, written IPS, and quarterly documented investment reviews — audit-ready by design |
| Controlled group provisions absent from many generic plans — multi-entity operators are left exposed | Multi-entity architecture built in Controlled group compliance handled at the plan design level, not discovered after the fact |
| Participant transaction fees charged for loans, distributions, and QDROs | $0 participant transaction fees Loan origination, distributions, QDRO, wire fees, and stop payments all zero |
