Sustainable 401(k)

"Meeting the needs of the present without compromising the ability of future generations to meet their own needs."

SUSTAINABLE * EFFICIENT * SMART

Sustainable 401 (k) - a Sustainable retirement plan for corporate retirement investors/fiduciaries is how sustainable is defined by the Environmental Protection Agency. The Sustainable Retirement plan allows you to follow this principle, while responsibly meeting your retirement goals as a participant and fulfilling your responsibilities as a plan sponsor.

Investments & Portfolios - How it works

• The funds are "best in class" institutional class mutual funds that have a scientific methodology for performance and a superior history. The companies in the funds are screened with Sustainable Holdings for their Green characteristics and given a heavier or lighter weight or eliminated from the portfolios.
• Sustainable Holdings is an independent group of leading academics and practitioners in the field of economic and environmental policy, research, and strategy. The board is dedicated to the development and review of best of breed environmental screens. Bringing together the best talent from two different fields for the future.
• The best available mutual funds based on performance and costs are selected for each asset class. Portfolios of the funds are tailored to individuals needs and actively managed by Piedmont as an SEC Registered Investment Advisor.

Sustainable Administration

Promoting conservation of your resources- company time, participant time, natural resource … is intelligent.

• Conserves resources - Paperless administration
• Save you & your company time - On-line enrollment
• Educate without wasted productivity - Web based Interactive Seminars
• Reduces risk, save time and expenses - Fully transparent plan documents
• Streamline the cost for accounting & audits -Web based reporting
• Meet your participants needs without using your time- Individual login

Sustainable Efficiency is:

• Low cost (administration, advisory service, custodial, management of funds)
• High relative performance (meaningful and measurable over 10 years)
• Saves sponsor and participants' time and money by providing fiduciary service and investment advice.

The cost of investing is the factor in a plan that you need to have the greatest control over. It is also one of the most important legal duties for sponsoring a plan. The impact of hidden fees can reduce the asset value of a 401(k) plan by 50% in fewer than 20 years.

A retirement plan becomes sustainable by being one of the lowest cost plans available. Sustainable fees are fully transparent. Many plans exist today that have hidden fees. Do you have any hidden fees? How would you know? A truly independent and unbiased expert audit and analysis of your 401(k) Plan would reveal the truth.

Efficiency of Partnering with the Sustainable 401(k)

The inefficiency of being the sole fiduciary is staggering and costly. Most plan sponsors cannot identify this, but certainly feel it. This includes taking the time to learn required procedures, execute and record those procedure, being charged hidden fees, having litigation risk for providing the plan, and having your time wasted by the lack of accountability by the companies that provide the plan.

Sustainable 401(k) plan is different. An SEC Registered Investment Advisor architects the plan. This means the Sustainable Plan becomes a co-fiduciary with the sponsor thereby transferring the fiduciary risk to us. This legal responsibility does not occur with insurance or brokerage provided plans without an additional cost. Our partnership in accountability aligns with the goals of the plan. We make sure all components of the plan are clear simple, compliant with ERISA, and cost efficient. This includes:

• Vigilance to remove excessive administration, mutual fund and audit costs.
• Protection is provided through full disclosure and maintaining ERISA and DOL standards.
• Responsibility is being focused on performance for the participant.

Sustainable saves...

The Intelligence of embracing progress

• Investing in the growth of companies focused on the sustainable future
• Sound investment advice via managed portfolios of individual mutual funds
• Mitigate risk via fiduciary services

Your time is also a precious commodity. Invest it wisely and reduce your fiduciary risk as a 401(k) plan sponsor. Isn't it about time that the 401(k) plan is about managing money efficiently and sustainable? Choose to be Smart.

S - Savings
M - Mitigating Risk
A - Accountable Advice
R - Responsible Sustainable Investments
T - Time Savings

Transfer your risk to us.