Participant Education
Employees require guidance to better understand their overall financial picture. As an employer, you carry a fiduciary duty under the Department of Labor’s 404a-5 Regulations to provide meaningful education.
Financial stress lowers productivity, increases absenteeism, and increases health insurance claims, all of which impact your bottom line. High quality investment education empowers employees to make informed retirement decisions.
Our program uses clear language to increase financial literacy. We explain key topics such as investment principles and retirement planning, helping employees make better long‑term choices.
of employees are stressed about their finances
of employees say their compensation isn't keeping up with the rising costs of living expenses
of employees are most worried about inflation
Source: PWC 2023 Financial Wellness Survey
We team up with employers to deliver employee education in four key areas, just as outlined in the Department of Labor Interpretive Bulletin 96-1
Plan Information
We walk employees through the advantages of joining, the benefits of increasing contributions, available investment options, and other key plan details.
General Financial and Investment Information
We simplify the basics—investment concepts, asset-class differences, estimating retirement income needs, time horizons, and more. It’s all about making the complex feel simple.
Asset Allocation Models
We provide sample portfolios for hypothetical investors with various timeframes and risk profiles, helping employees see possible outcomes.
Interactive Investment Materials
Employees use worksheets and software to estimate retirement needs and see the effects of investment choices. Hands-on learning builds confidence.
Financially Stressed employees are less engaged at work
- Among employees who are stressed about their finances
- Among employees who are not stressed about their finances