P&A401(k) is no "off-the-shelf", pre-packaged 401(k) platform! We offer a high degree of flexibility and customization to our Plan Sponsors.

Investment Flexibility
Our recordkeeping platform provides access to thousands of load-waived and true no-load mutual funds, both index and actively managed. We also offer self-directed brokerage accounts and will hold employer stock as well.

Optional Asset Allocation Portfolios
Choosing investments can be a daunting challenge for many 401(k) participants which often leads to costly investment mistakes (i.e. “return-chasing” or market timing).  We have had great success (and increased participant satisfaction) in plans that include our Pre-Allocated Model Portfolios as investment choices.  By answering a few brief questions, participants can quickly determine which portfolio is right for them.  And once they are enrolled, their accounts are automatically “rebalanced” on a periodic basis.

Pricing Flexibility
We pull all of the hidden costs 401(k) plan out from "behind the curtain" in order to help you, the Plan Sponsor, better understand the true cost of running your plan. After all, every dollar of unnecessary expenses we can save is a dollar that stays in your participant's accounts. Our recordkeeping platform allows us to structure our compensation either as an asset-based percentage (on the plan as a whole or fund-by-fund) or as a flat dollar charge - the choice is yours.

Full Administrative Capabilities
Employer sponsored retirement plans are complex and require effective communication and accountability between the investment record keeper and the plan's third-party administrator. P&A 401(k) reduces the chance breakdowns by bundling all 401(k) services into one efficient and client friendly package.

Effective Participant Communications

• A user friendly, interactive participant web site
• Easy to understand enrollment materials and participant statements that come with an attached newsletter. Statements can even include a personalized message from the Plan Sponsor.
• Personalized communication programs designed to encourage and increase employee participation.
• Telephone voice response participant account access.

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