For EMPLOYERS - INVESTMENT DESIGN, MANAGEMENT, & MONITORING
Better Investments Start with Smarter Oversight
Disciplined, transparent investment design helps participants build confidence while protecting plan sponsors under ERISA’s fiduciary standards.
With thousands of mutual funds, CITs, and share classes to choose from, many sponsors rely on outdated menus, underperforming funds, or proprietary products that quietly increase cost and risk.
For growing companies and private practices, inconsistent monitoring and lack of documentation can expose the committee and the business, to fiduciary liability.
The Challenge
The investment lineup is the backbone of every retirement plan, but it’s also one of the most scrutinized fiduciary responsibilities.
Capcova + sollinda
Our Solution: Objective Investment Design & Monitoring
We bring a fiduciary-first approach that blends research, risk analysis, and transparency. Our process delivers an auditable, repeatable framework so your plan’s investment decisions stand up to regulatory and participant review alike.
Investment Policy Statement (IPS) creation or review to define process and prudence
Fund lineup construction using open-architecture and RPAG quantitative scoring
Quarterly monitoring reports benchmarking performance, risk, and fees
3(21) Co-Fiduciary or 3(38) Investment Manager options for scalable fiduciary delegation
QDIA & Target-Date Fund (TDF) suitability analysis based on participant demographics
CIT vs. mutual fund share-class evaluation to reduce expenses
Participant communication support so employees understand their investment choices
Capcova + sollinda
Who We Serve
Small Businesses
Transition from basic SIMPLE/SEP investments to a disciplined, diversified lineup with professional oversight that scales as you grow.
Franchise & Owner Organizations
Standardize menus across multiple EINs and locations while maintaining flexibility for ownership tiers and management groups.
Private Practice Groups (Dentists, Orthodontists, Veterinarians)
Create streamlined investment menus with risk-based models that simplify decisions for busy practitioners and staff.
Corporate Partners (100+ Employees)
Strengthen fiduciary governance with documented quarterly reviews, scorecards, and investment committee education.
Results That Matter
Reduced investment expenses and improved risk-adjusted performance
Consistent, auditable monitoring that satisfies DOL “prudent expert” expectations
Increased participant confidence and engagement with simplified fund options
FAQs
Frequently Asked Questions
What is investment design in a retirement plan?
It’s the construction of the investment lineup, default options (like QDIA), and how participants access diversification. The goal is a lineup that is prudent, cost-aware, and usable.
How often should plan investments be monitored?
Quarterly is best practice. Monitoring should include performance, risk, fees, and compliance with the Investment Policy Statement (IPS).
What is a 3(21) vs 3(38) fiduciary advisor?
A 3(21) advisor recommends while the sponsor decides; a 3(38) advisor has discretion and takes responsibility for selection and monitoring. The right model depends on governance capacity and desired delegation.
How do you evaluate plan investment performance?
Using benchmarks, peer comparisons, risk metrics, and consistency with IPS objectives. The focus is on process and suitability for participants, not headline returns.
Why is documentation important in investment monitoring?
Documentation proves prudence. In audits and litigation, the standard is whether you followed a reasonable process and kept records—not whether markets cooperated.
Should my retirement plan advisor be local or national?
Either can work, but you need consistent fiduciary process and responsive governance support. Local presence can help with committee training, vendor meetings, and implementation.
What should Virginia employers look for in a fiduciary advisor?
Look for ERISA experience, clear documentation practices, fee transparency, and education support. The ability to coordinate providers and maintain an IPS-driven process is key.
Capital Investment Company of VA
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