Employee Experience

A plan your employees actually use is a benefit. One they ignore is a cost.

Q: How long does it take an employee to enroll in the 401(k)?

Five minutes or less. Employees receive an account setup link by email, choose their contribution amount, add a beneficiary, and build a portfolio — all in one session from any device. Opt-out is one click for auto-enrollment plans.

Q: What is the Franchise401 Financial Wellness Tool?

The Franchise401 Financial Wellness Tools are a set of financial planning resources available to all participants at no extra charge. They cover budgeting, debt management, emergency savings, and retirement income planning — tools to help you build financial stability beyond just your 401(k) balance.

Participation rates drive plan health, nondiscrimination testing, and your ability to maximize your own contributions. Our platform is built to make joining, managing, and growing a retirement account simple for every employee — from day-one enrollment to live human help when they need it.

Getting Started

Five minutes. That's all it takes to enroll.

Employees receive a setup link by email and are up and running in under five minutes. No paperwork. No calls. No confusion. For auto-enrollment plans, opting out is a single click — and the platform handles all the notifications automatically.

Account setup link arrives by emailEmployees are invited automatically when they become eligible — no HR follow-up required.

Choose a contribution amountOr opt out with a single click. Auto-enrollment starts them at the plan's default rate if they take no action.

Add a beneficiaryQuick entry — employees can update this anytime from their account dashboard.

Build a portfolioGuided portfolio builder recommends an investment mix based on time horizon and risk tolerance — no experience needed.

Done — first contribution processes next payrollThe plan takes it from here. Employees manage everything — changes, loans, statements — from their phone, tablet, or computer.

Mobile-Friendly

Full access from any device

Account management, deferral changes, investment updates, and loan requests are all handled within the platform from a phone, tablet, or computer. No app download required.

5-Minute Enrollment

Fast setup. One-click opt-out.

Onboarding takes five minutes or less from the email invitation to a funded account. For auto-enrollment plans, employees who want to opt out do so in a single click — no paperwork, no calls.

Portfolio Builder

Guided investment selection for every experience level

The guided portfolio builder asks a few questions about retirement timeline and risk tolerance, then recommends a personalized fund mix. Employees can accept the recommendation or adjust it — no prior investment experience required.

Financial Wellness

Franchise401 Financial Wellness Tools — included

Every employee on the platform gets access to the Franchise401 Financial Wellness Tools at no extra charge — covering budgeting, debt management, emergency fund building, and retirement planning. A benefit beyond the plan itself.

Live Human Support

Real people. Real answers. No bots.

Live support is available to all participants by phone and email. Employees reach a live person when they need help — not an automated system. Plan sponsors have a dedicated relationship manager as their single point of contact.

Participant Dashboard

Everything in one place, kept current

Account balances, contribution history, investment performance, beneficiary, and loan status all visible in one dashboard. Employees can make changes and see them reflected in real time — no waiting on a call to HR.

Zero Transaction Fees

Employees keep every dollar they save.

Many retirement platforms charge participants for the moments that matter most — taking a loan in an emergency, processing a distribution at retirement, handling a QDRO in a divorce. We charge nothing. Every participant transaction is free, and that is built into the plan — not something we waive as a promotion.

Transaction	Fee to Participant
Loan origination	$0
Distribution	$0
Additional distributions	$0
Stop payment / re-issue	$0
QDRO distribution	$0
Wire fee	$0

Franchise401 Financial Wellness Tools

Financial wellness for the whole workforce — not just retirement

Included at no extra charge for every employee on the platform. Budgeting tools, debt reduction planning, emergency fund calculators, and retirement income projections — resources that help employees build financial stability, not just a 401(k) balance. When employees feel financially secure, participation rates improve and plan health follows.

Live Human Support

Someone to call when it actually matters

Retirement decisions are personal. Employees going through a hardship withdrawal, managing a QDRO, or trying to understand their investment options deserve a real conversation — not a chatbot. Our live support team is available by phone and email. Plan sponsors have a dedicated relationship manager who knows their plan and picks up the phone.

5 min

From email invitation to fully enrolled — onboarding takes five minutes or less

Participant transaction fees — loans, distributions, QDRO, wire fees all zero

Included

Franchise401 Financial Wellness Tools for every employee at no extra charge

How long does it take an employee to enroll?

Five minutes or less. Employees receive a setup link by email, choose their contribution amount, add a beneficiary, and build a portfolio — all in one session from any device. Opt-out is one click for auto-enrollment plans.

Can employees manage their account from their phone?

Yes. The platform is fully mobile-friendly. Employees can manage their account, change contribution amounts, request loans, change investments, and view balances from a phone, tablet, or computer — with no app download required.

What transaction fees do employees pay?

Zero. Loan origination, distributions, additional distributions, stop payments, QDRO distributions, and wire fees are all $0. Participants are never charged a transaction fee for any account activity.

What is the Franchise401 Financial Wellness Tool?

The Franchise401 Financial Wellness Tools are a suite of financial planning resources included at no extra charge for all participants — covering budgeting, debt management, emergency savings, and retirement planning. They are available to every employee on the platform from day one of enrollment.

How does the portfolio builder work?

The guided portfolio builder asks employees about their retirement timeline and risk tolerance, then recommends a personalized investment selection. Employees can accept the recommendation, adjust it, or work with their own advisor. No prior investment experience is required.

Is there live support for employees?

Yes. Live human support is available to all participants by phone and email. Employees reach a live person when they need help, rather than a bot. Plan sponsors also have a dedicated relationship manager as their single point of contact for all plan-level questions.

Why does employee participation matter to the plan sponsor?

Nondiscrimination testing requires that the plan does not disproportionately benefit highly compensated employees. Strong employee participation rates make it easier to pass ADP, ACP, and coverage tests — reducing the risk of corrective distributions or required Safe Harbor contributions. A plan employees actually use also functions as a real recruiting and retention tool.

See It in Action

Give your employees a plan they'll actually use.

In 30 minutes we can show you the full employee experience — enrollment, the portfolio builder, the wellness tools, and the participant dashboard — and map it to your franchise workforce. See franchise solutions or pricing.

Schedule a Consultation See the Platform Difference

Your Franchise. Your People. Your Plan.

Isn't It Time Your Franchise Had a 401(k) Built for It?

Franchise ownership creates retirement plan complexity that generic providers were not designed for. A complimentary benchmark review takes 30 minutes and shows you how your current plan's costs, structure, and fiduciary process compare to the market.

Request Your Benchmark Report Schedule a Consultation

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Ready to benchmark your franchise 401(k) plan?

Capital Investment Company of Virginia and Franchise 401k Plans are trade names of Retirement Fiduciaries of VA, LLC. Investment advisory services are offered by J. Andy Ingram, an investment adviser representative of Sollinda Capital Management, a Registered Investment Adviser. An additional advisory fee applies for investment advisory services. This fee is separate from and in addition to the plan administration, recordkeeping, and AUM fees described on this site, and varies based on total plan assets and whether the engagement involves a new plan or a plan conversion. This website is for informational and educational purposes only and does not constitute an offer or solicitation to buy or sell any securities or investment products. Past performance is not indicative of future results. All plan design, consulting, and fiduciary services are subject to a formal written engagement agreement. Nothing on this site constitutes tax or legal advice. Please consult your tax professional or attorney regarding specific tax questions, including eligibility for federal tax credits under SECURE 2.0. Retirement plan consulting services are provided in connection with qualified plan platforms governed by applicable ERISA regulations.

A plan your employees actually use is a benefit. One they ignore is a cost.

Everything an employee needs. Nothing they have to figure out.

Tools that make the benefit worth having

Employee Experience FAQ

Give your employees a plan they'll actually use.