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Est 1997

Business 401k Plans for Employers

CGO specializes in 401k and 403b retirement plan strategies. We are an independent advisory firm, which allows us to implement cost effective and robust 401k/403b platforms for our clients.

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Business Solutions

Why Employers Trust CGO for Retirement Plan Consulting

Comprehensive Retirement Plan Consulting Services

At CGO, we help organizations build and manage successful retirement plans through expert consulting, fiduciary guidance, fee benchmarking, plan design analysis, vendor selection, employee education, and ongoing plan oversight. Whether you're evaluating your current plan or looking for a new retirement plan advisor, our team provides the expertise and support needed to help your organization and employees achieve better outcomes.

Testimonials

What Our Customers Are Saying

“The personalized level of service and attentiveness is exceptional.”

Andrea L. Human Resources

“Everyone at CGO is incredibly friendly and easy to work with. They’re always willing to help, even when something urgent comes up and I need immediate assistance. I truly appreciate how responsive and supportive the team is.”

Kathie G. HR Manager

“The team that works on our account is personable, knowledgeable and professional.”

Bill Jr. HR Director

Our Promise to You

to You

Our job is to help you deliver a retirement plan that serves the best interests of your employees while reducing the administrative burden, fiduciary risk, and complexity placed on your organization. As your independent retirement plan consultant, we will provide objective guidance, proactive service, ongoing plan oversight, transparent fee benchmarking, and employee education designed to improve retirement outcomes. We are committed to being responsive, accessible, and accountable—helping you navigate plan design, compliance, investment oversight, and vendor management with confidence. Our goal is not just to manage your 401(k) plan, but to become a trusted advisor dedicated to helping your plan and your employees succeed

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We use 5 steps to build a stronger retirement plan for your company.

Step 1 – Plan Design Evaluation

We provide analysis and consultation on your company's plan design. This includes an overview of your plan costs and benchmarking to compare plan fees and services against the marketplace. We then offer independent benchmarked recommendations that help optimize elections. Utilizing plan fee benchmarking ensures you have the most cost-effective plan available.

Step 2 – Fiduciary Guidance and Reducing Liability

Meeting your fiduciary responsibility is a complex process. We help control the risk and reduce your liability by:
Developing a formal investment policy statement and establishing clear criteria for monitoring the plan's investments.
Acting as your fiduciary.
Providing help selecting and becoming your plan investment advisor.

Step 3 – Leading the RFP Process

We'll act as your guide through the entire RFP process. We help navigate the custom options available and help negotiate fees.

Step 4 – Participant Education

We manage every step of the transition from your current retirement program to your new plan. We notify employees and educate them on the benefits of their new plan while helping employees find the plan that's right for them. We offer quarterly financial education and financial planning seminars designed to increase employee engagement and participation.

Step 5 – Ongoing Plan Monitoring

We help manage the health and welfare of your plan over its lifetime, advising you on regulatory changes, program enhancements, and investment due diligence on a year-round basis.

Smiling CGO Employees

Frequently Asked Questions

A 401(k) plan is an employer-sponsored retirement savings program that allows employees to save and invest for retirement through payroll deductions, often with employer matching contributions.

A competitive retirement plan can help attract and retain top talent, improve employee financial wellness, enhance your benefits package, and provide tax advantages for both employers and employees.

Many employers are surprised to learn they're paying more than necessary. A retirement plan consultant can benchmark your plan's fees, investments, and services against the marketplace to identify opportunities for improvement.

Plan sponsors are responsible for acting in the best interests of plan participants. This includes monitoring investments, reviewing fees, maintaining plan governance, and ensuring compliance with applicable regulations.

If your plan has high fees, limited investment options, poor participant engagement, or inadequate service, it may be worth evaluating alternative providers.

Successful retirement plans include ongoing participant education, enrollment assistance, financial wellness resources, retirement readiness guidance, and one-on-one support when needed.

A 3(21) advisor provides investment recommendations while the employer retains final decision-making authority. A 3(38) fiduciary assumes discretionary responsibility for selecting and monitoring plan investments, helping reduce the employer's fiduciary burden.

Plan design enhancements, employer matching contributions, automatic enrollment, targeted employee education, and regular communication can all help increase participation and retirement readiness.

CGO provides independent, objective guidance focused on helping employers reduce costs, improve plan outcomes, strengthen fiduciary oversight, and enhance the retirement readiness of their workforce. Our consultative approach includes plan design review, fee benchmarking, investment oversight, participant education, and ongoing support.

Simply schedule a consultation with our retirement plan specialists. We'll review your current plan, identify opportunities for improvement, and provide recommendations tailored to your organization's goals.

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Is your retirement plan delivering the results your employees deserve?

A well-designed business 401(k) plan can do far more than help employees save for retirement—it can strengthen recruitment and retention, improve financial wellness, and reduce fiduciary risk for employers.

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