Delivering Corporate Solutions
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RETIREMENT PLANS
Qualified and Non-qualified Deferred Compensation Plans
Driven by integrated technology, systems, and services, Apexium’s retirement plan professionals are positioned to help create retirement plan outcomes for plan sponsors and participants alike.
RETIREMENT Services
Fiduciary Support
People
Through RPAG, we have access to an ERISA compliance team that is comprised of formerly practicing ERISA attorneys.
Process
Our Fiduciary Diagnostic™ outlines plan management responsibilities, uncovers potential existing gaps in ERISA responsibilities and documents completion of required tasks.
Support
Our 20+ fiduciary education modules outline a plan's fiduciary responsibilities and how to implement prudent processes.
Documentation
We provide meeting summaries/minutes that outline key discussion, decision and follow-up items.
Storage
We organize and store your plan's documents, processes, reports and meeting minutes in a secure, internet-based, filing system.
Provider Benchmarking
Scope
The RPAG RFP/benchmarking department maintains a proprietary database that tracks over 400 data points covering recordkeeping, compliance, technology, communication and investment services.
Process
Comparisons are derived from competitive, live-bid RFP responses that are based upon a plan's parameters, complexity, service requirements and unique needs.
Scale
The Benchmarking database produces over 3,000 RFPs per year, with plan sizes ranging from under $10 million to over $10 billion.
Key Benefits
Plan-specific RFPs ensure apple-to-apple comparisonsAll fee comparisons are based on current market pricesCompetitive bidding maximizes a plan's negotiating leverage
Final Report
Our final report, the Provider Analysis, covers in complete detail; total plan costs, target recordkeeping revenue, investment management fees, investment quality rankings and service differentiators
Employee Engagement
People
Our employee education resources include a team of financial education specialists who provide both group and one-on-one employee education and participant advice sessions.
Process
Our financial wellness programs can empower your employees with the knowledge and tools they may need to better manage their personal and family finances.
Scope
Content, material and presentations can be delivered at the worksite or through online webinars that are accessible at the employee's discretion. Topics that are covered include:
- Personal finance
- Investment planning
- Retirement planning
- Protection planning
- Estate planning
- Retiring well
Additional content and material is also available on the following topics:
- Getting married
- Buying a home
- Starting a family
- Saving for college
- Caring for an aging parent
Investment Due Diligence
People
We have access to RPAG's Investment Committee, which is led by CFA charterholders with over 100 years of combined investment experience.
Process
Our investment due diligence process incorporates a comprehensive, quantitative fund Scorecard™ and a thorough qualitative review by our Investment Committee that aims to distinguish luck from skill.
Scope
We leverage RPAG's over $700 billion in assets under influence to gain access to key investment personnel that other consulting firms may have limited or no access to.
Key Differentiators
Our process incorporates:
- Rolling period analysis to help provide better measures of a fund's central tendency and to identify emerging trends that may not be currently reflected in a fund's analytics.
- Custom benchmarks and peer groups that aim to provide better measures of a fund's true value added.
- Regular meetings with portfolio managers to confirm that fund analytics are representative and repeatable.
Plan Design
People
We integrate the knowledge and insights of our retirement experience to increase an employer's benefits return on investment (ROI) while striving to enhance participant retirement outcomes.
Process
Our process begins with calculating estimates for retirement readiness and costs for employees who are financially unable to retire. We focus on prescriptive solutions that can help reduce your hidden liabilities while staying on budget.
Scope
An outline of our plan design capabilities is summarized below:
- Retirement income replacement projections
- Plan demographic risk assessment
- Delayed retirement cost assessment
- Plan design changes
- Benefit program assessments
- Benefit design changes to improve employee services and cost sharing
- Negotiate service provider contracts
- Integrated plan and benefits fulfillment
What Makes Us Different?
Exposure
Our RPAG affiliation gives us the technology and resources to work with a variety of plan types, sizes and industries.
Access
Our scale provides access to industry resources that other advisory firms may not provide. This allows us to dig deeper and to negotiate superior provider services and fees.
Experience
Our professional staff is highly credentialed and experienced. We apply our deep knowledge, creative thinking and industry experience to deliver more value to our clients.
Resources
Our significant resources that allow us to build proprietary tools and services to address the needs of our clients.
Results
We are not glorified report readers. We deliver services and solutions that aim to increase the ROI of your benefits program while striving to enhance participant retirement outcomes.
RETIREMENT SERVICES FIDUCIARY BRIEFCASE
Our online, cloud-based file storage system provides 24/7 access to all of your important retirement services fiduciary documents.
- Plan documents;
- Committee charter;
- Investment policy statement;
- Meeting minutes;
- Investment monitoring reports;
- Fee benchmarking studies;
- Required disclosures and notices;
- Participant education materials.
EXECUTIVE BENEFITS PROGRAMS
Empowering executives to take control of their financial future and alleviate the burden that accompanies managing complex finances, allowing them to concentrate on driving innovation and enhancing the bottom line.
Compensation and Benefits Planning
Executive compensation planning and analysis including; Restricted Stock and Restricted Stock Units (RSUs), Incentive Stock Options (ISOs), Non-Qualified Stock Options (NSOs/NQSOs), Stock Appreciation Rights (SARs) and Employee Stock Purchase Plans (ESPPs).
Benefit
Optimization
Allowing executives to maximize their compensation by integrating their personal financial plans into their corporate benefits package.
TALK TO A
WEALTH MANAGER
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Apexium is a national Registered Investment Adviser with offices strategically located in the Northeast, Mid-Atlantic and the Southwest.