(925) 743-0200

©2018 by Bridgebay Financial, Inc.

2603 Camino Ramon, Suite 200, San Ramon, CA 94583, USA

Retirement Plan Services

Independence • Expertise • Insight

Investment Policy Statement

An Investment Policy Statement provides plan fiduciaries with a disciplined framework and set of established, prudent standards for the management and oversight of the retirement plan.

Asset Allocation and Gap Analysis

An efficient asset allocation in the fund line-up will enable plan participants to create diversified portfolios that will provide sufficient future retirement income.

Investment Fund Analysis

Bridgebay evaluates the overall fund menu to ensure that the asset classes are well represented, cost effective and provide a broad range of funds including actively managed and indexed funds that will ensure participant success.

Target-Date Funds and QDIA Evaluations

Bridgebay evaluates target date fund suites and the underlying investments to ensure your plan has best-in-class asset allocation funds.

Fee Analysis

We benchmark your plan expenses against a universe of similar plans and identify areas for improvement. We assist plan sponsors in negotiating service provider fees.

Investment Performance and Plan Monitoring

Key to a prudent fiduciary process is the ongoing investment review and plan monitoring program.

Plan Benchmarking

Benchmarking reports provide fiduciary documentation of an impartial, well-documented prudent process that can lower the possibility of potential litigation or reduce fiduciary liability insurance costs.

Provider Search and Evaluation

Our RFP provider search is customized to focus on services that are important to your plan. We emphasize open architecture, efficient administrative services, best-in-class funds, fee transparency, effective participant education and communications.

Plan Design

As retirement plan experts, we coordinate closely with plan sponsors and their providers to ensure that critical legal, design and compliance issues impacting the plan remain current.

Fiduciary and Retirement Committee Services

Bridgebay offers a comprehensive fiduciary oversight process that ensures independent plan governance and monitoring.

Employee Communications and Education

A well-crafted communication program will enhance participation, satisfaction, understanding of asset allocation and risk tolerance.

Specialized RFPs and Evaluations

  • Recordkeeper / vendor RFPs

  • Target date fund RFPs

  • ESG fund RFPs

  • Managed account provider RFPs

  • Stable value fund RFPs

  • Financial wellness provider RFPs

Investment Policy Statement

An Investment Policy Statement provides plan fiduciaries with a disciplined framework and set of established, prudent standards for the management and oversight of the retirement plan. The policy develops the due diligence and decision making process for sound plan governance.

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Asset Allocation and Gap Analysis

An efficient asset allocation in the fund line-up will enable plan participants to create diversified portfolios that will provide sufficient future retirement income.

 

Investment Fund Analysis

 

Target-Date Funds and QDIA Evaluations

Bridgebay evaluates target date fund suites and the underlying investments to ensure your plan has best-in-class asset allocation funds.

 
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Fee Analysis

We assist plan sponsors to recapture fees through an ERISA budget account that can be used for additional plan services.

 
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Investment Performance and Plan Monitoring

Key to a prudent fiduciary process is the ongoing investment review and plan monitoring program. Our consultants present our evaluation and review the fund performance with your Investment Committee quarterly. The fund performance summarizes quantitative and qualitative factors, peer comparisons, investment category rankings, and custom benchmark and market index comparisons.

 

Plan Benchmarking

The Department of Labor regulations under ERISA, and the new 408(b)(2), require that plan sponsors obtain full fee disclosures for their plans and that all such fees be “reasonable” for the services provided. Plan benchmarking helps plan fiduciaries meet their fiduciary obligations under ERISA.

 

Provider Search and Evaluation

Our RFP provider search is customized to focus on services that are important to your plan. We emphasize open architecture, efficient administrative services, best-in-class funds, fee transparency, effective participant education and communications.

 

Plan Design

Legislative and regulatory changes continue to burden plan sponsors with changing rules requiring a continuous review of plan design and compliance.

 

Fiduciary and Retirement Committee Services

 

Employee Communications and Education

An effective, ongoing employee communication program is critical to the success of any retirement plan. Bridgebay helps clients determine the most effective education and communication strategy for their participants.

 

Specialized Evaluations

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