Retirement Plan Consulting
A Risk Management Approach to Retirement Consulting
We understand that a well-designed and managed retirement plan is critical to the sustainability of your organization and the financial well-being of your employees. At RCM&D, we apply our core competency of risk management to the personalized design and implementation of your organization's 401(k), 403(b), 457(b), Non-Qualified Deferred Compensation or pension plan.
We strive to have our client experience result in:
- A customized approach to help mitigate fiduciary risk
- Increased employee enrollment and financial well-being
- Reduced costs and improved outcomes for participants
- An improved plan sponsor experience through plan success management and reporting
- More consistent compliance with DOL and IRS guideline
The average account balance of a 401(k) participant between the ages 30-49 is $64,700. Meanwhile, Americans are expected to spend $44,600 per year in retirement.
Register to Attend Upcoming Retirement Services Webinars
Our mission is to provide plan participants with education and resources to promote successful retirement outcomes and financial wellness. This includes providing access to ongoing webinars on a variety of topics from some of the most respected and innovative leaders in our industry.

View Upcoming Retirement Services Webinars
Your Company's Retirement Plan is Our Focus
Our advisors work only in commercial retirement plan consulting, which means we are dedicated solely to ensuring the success of your company's retirement plan. While we will meet with your plan participants to encourage retirement readiness planning, we are not private wealth managers and will never try to sell to your employees.
Beyond Investment Due Diligence
Investment due diligence is only a small piece of the industry picture. We put it all together to help you meet these responsibilities with ease. Through effective investment committee meetings, monitoring and analysis, sponsor and participant education and various measures of plan effectiveness, your team can feel confident in their ability to fulfill their fiduciary responsibilities.
Key Features of RCM&D's Retirement Plan Consulting
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Offering 3(21) or 3(38) investment Co-Fiduciary services to help you and your organization manage risk. |
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Providing insightful reports on the global economy and capital markets to help you understand the economic environment and the challenges facing your plan participants. |
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Customizing plan design options can increase participation and deferral rates to align with your organization's goals, culture and employee demographics. |
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Developing customized employee communication and education to encourage enrollment and increased retirement savings to help keep your plan and its participants on the path to success. |
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Regular reporting on your plan's fees relative to your peers helps you fulfill your fiduciary obligations and makes sure that you understand what you are paying for. |
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Transforming your retirement plan management, maintenance and auditing processes through an easy-to-access, online, secure document portal. |
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Measuring the success of our efforts and guiding future plan design decisions through the annual benchmarking of your employee's retirement readiness. |

It's Not About Us, It's About You.
To describe our business is to first describe yours. Our success is hinged on the superior outcomes your organization achieves.
Questions? We are here to help.
Our team of advisors are ready to answer your questions and discuss your risk management, insurance and employee benefits needs. Complete the form below and we will get back to you shortly.