Schwartz Brothers Insurance & Schwartz Benefit Services, Inc.
  • 500 West Madison Street, Suite 2700
    Chicago, IL 60606
  • Phone: (312)-630-0800
  • Fax: (312)-630-0833


Retirement Plan Strategies

How should corporations increase the value of retirement plan benefits?

Over the past decade, the environment for company-sponsored retirement plans has shifted from defined benefits plans to the dominance of the 401(k). As popular as the 401(k) remains, these plans have given rise to consistent complaints.

Employers and employees alike become concerned when timely, accurate data on the status of their plan is unavailable. Employees often perceive a lack of investment diversity to meet their allocation needs, and highly paid employees become frustrated when their contributions are limited by low participation among the general employee population.

Effective program design can enable your plan to over come these problems. Using an ideal plan design as the starting point, your plan could include…

  • Complete investment independence.
  • Daily valuations of account balances for all participants.
  • Internet or toll-free participant access to account balance.
  • Fiduciary compliance expertise designed to protect and insulate the plan sponsor from potential corporate and personal liability.
  • Mutual fund record-keeping fee offsets designed to lower employer costs.
  • Customized employee education programs.

Questions CEOs and CFOs should ask to increase the retirement plan's value.

  1. What has been your company's philosophy about retirement benefits over the years? How consistent with that philosophy is the current plan? At all levels?
  2. How effectively do your employees utilize the contribution features of the plan to maximize their retirement income? Have you ever had to return contribution checks to your executives because these features are underutilized?
  3. What is the ideal way to balance employee discretion over their retirement asset and your direction of investments as their employer?
  4. How responsive are your record keeping, administration and reporting procedures to the company's current needs? To the employees' needs?
  5. How do you stay informed on legislative changes that affect your company's retirement plans? Are you confident that your plan document is current and in compliance with recent tax law and regulatory changes? When will your current plan documents have to be updated if you want to adopt any strategies in recent legislative changes?

The decision process begins with the right questions.

To get the most out of your Retirement Plan Benefits contact the experts at Schwartz Benefit Services and take advantage of the wealth of diverse knowledge and experience our team of professionals have to offer.


500 West Madison Street, Suite 2700, Chicago, IL 60661   Phone: (312)-630-0800   Fax: (312)-630-0833   Email:

Securities offered through NFP Securities, Inc., a Broker/Dealer and Member FINRA/SIPC. Schwartz Benefit Services, Inc. is a member of Partners Financial, a division of NFP Insurance Services, Inc., which is a subsidiary of National Financial Partners Corp. the parent company of NFP Securities, Inc. Schwartz Brothers Insurance is an affiliate of Schwartz Benefit Services, Inc. Schwartz Brothers Insurance is not affiliated with NFP Securities, Inc.

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All guarantees are based on the financial strength and claims paying ability of the issuing insurance company, who is solely responsible for all obligations under its policies.

NFP Securities, Inc. does not offer legal advice


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