What’s Really Going On Inside Your 401(k) Plan?

Most business owners are in the dark about hidden fees, fiduciary risk, and plan performance. Our review brings everything into focus

🔒 FULLY CONFIDENTIAL • NO COST • NO COMMITMENT

What You Get With a 401(k)/403(b) Plan Review

A no-pressure, expert review to help you uncover hidden fees, fix compliance risks, and make sure your plan is truly working for you.

Uncover What You’re Really Paying For

  • Recordkeeping and fund fees buried in plan documents

  • Revenue-sharing arrangements that quietly reduce employee returns

  • Indirect costs that your current advisor or provider may not be disclosing

  • Compare your fees against industry fees benchmarks for similar-sized plans

Most business owners we meet don’t have a clear breakdown of what they’re really paying. Our review brings that to light and helps significantly reduce the fees.

Get My Plan Reviewed

🔒 Fully confidential. No cost & no obligation.

Reduce Your Exposure to Personal Liability

  • Identify gaps in your fiduciary process that could lead to legal or financial exposure.

  • Review how your current plan is monitored and documented, or if it’s not

  • Check whether your advisor accepts fiduciary responsibility (many don’t)

  • Assess if your investment options meet modern fiduciary standards

Many plan sponsors don’t realize they can be held personally liable for plan mismanagement even if they outsource everything. We help you understand where the risks are and how you can protect yourself.

Get My Plan Reviewed

🔒 Fully confidential. No cost & no obligation.

Improve Your Tax Efficiency

  • Identify deductible plan expenses you’re not currently writing off

  • Explore strategies to maximize owner and key employee contributions

  • Check whether you qualify for SECURE 2.0 tax credits or enhanced deductions

  • Reduce taxable business income through modern plan design choices

Many business owners miss out on significant tax savings simply because no one reviewed how their plan is structured. A quick review could uncover real savings without changing your provider.

Get My Plan Reviewed

🔒 Fully confidential. No cost & no obligation.

Make Your Plan a Real Benefit for Everyone

  • Increase participation through smarter plan design and communication

  • Reduce HR burden by preventing frustration, confusion, or complaints

  • Improve satisfaction with clearer education and easier decision-making

  • Retain key employees and attract better talent with a competitive offering

Most plans are created with good intent, but over time, they often become stale, underused, or misunderstood. We’ll help you bring yours back to life and turn it into something your team actually values.

Get My Plan Reviewed

🔒 Fully confidential. No cost & no obligation.

How the Review Works – Step by Step

No pressure, no confusion — just expert guidance on what’s working, what’s not, and how to fix it.

1
Quick Intro Call (20–30 min)

We’ll learn about your plan, your goals, and what’s been stressing you out, or holding your plan back.

2
Full Plan & Fee Check-Up

We’ll do a detailed review of your plan, uncover hidden fees, and show where you may be exposed to fiduciary risk - including new rules under SECURE 2.0.

3
Real Answers, No Pressure

We’ll walk you through where your plan stands, what could be costing you, and how to improve it without trying to sell you anything.

Ready to See What’s Really Going On With Your Plan?

🔒 Fully Confidential. No sales pitch. Just honest insight.

Still Not Sure If It’s Worth Your Time?

Most business owners feel exactly the same way until they finally see the numbers.

With so many providers pushing their agenda, it’s no wonder you might hesitate, too.

This review is different. It gives you real value upfront and shows you what your provider might not be telling you.

It’s a great chance to finally understand where your plan stands and whether you’re overpaying or exposed to risk.

Schedule your review now, and you’ll walk away smarter no matter what you decide.


Get My Plan Reviewed

🔒 Fully confidential. No cost & no obligation.

Small business owner reviewing a SIMPLE IRA retirement plan in a relaxed office setting, representing affordable retirement solutions for businesses with fewer than 100 employees.

“I didn’t realize how much we were overpaying. This review showed us things our provider never mentioned.”
— Actual feedback from a recent review (name withheld for privacy)

FAQs: Questions We Often Hear From Business Owners

No. You’re welcome to share them if you want deeper analysis, but it’s not required. We can start the review based on what you already know about your plan.

Not at all. This is a third-party review. We don’t contact your provider, make changes, or interfere with your setup. You stay in control the entire time.

That’s totally fine. We offer a second opinion — not a replacement. Many of our reviews complement what your advisor is already doing and highlight areas you may want to revisit.

No. This isn’t a sales call. It’s a real review designed to uncover inefficiencies and show you what’s possible. We do this to build trust and relationships with business owners. If you find it valuable, you can choose to work with us going forward, but there’s no obligation.

We know business owners are busy, and the last thing you need is another burden. That’s why we keep the process simple and efficient. It begins with a 20 to 30 minute call by phone or Zoom to understand your goals and current plan. After that, we’ll take one to two business days to complete the initial review and share our findings. If a deeper analysis is needed, it can take up to five business days. Either way, we do the heavy lifting and make everything easy to follow without taking much of your time.

No problem. You’ll still walk away with clarity about your plan’s status and what’s working. The review is yours to keep, whether you take action or not.

No, and we won’t push you to. Many employers improve their plans without switching. If better options are available, we’ll show them, but the decision is always yours.

We specialize in 401(k) and 403(b) plans for small to mid-sized businesses, typically with $500K to $10M in plan assets.

Many business owners loop in a partner, office manager, or HR lead. We’re happy to tailor the review to match your team’s workflow.

Business owner and financial advisor discussing 401(k) retirement plan documents in a modern office with coffee and charts on the table

Here’s What You’ll Walk Away With

  • ✔Clear fee benchmarking
  • ✔Independent fiduciary checkup
  • ✔Actionable feedback in plain English
  • ✔Peace of mind knowing your plan is on track, or where to fix it

No pressure. No pitch. Just useful information. We want to win your trust.


Get My Plan Reviewed

🔒 Fully confidential. No cost & no obligation.

What Business Owners Tell Us After We Step In

  • ✔“I finally stopped worrying about whether we were compliant.”
  • ✔“Our employees actually understood their plan for the first time.”
  • ✔“All those 401(k) admin headaches? Just gone.”
  • ✔“I thought we were doing okay — now I know we’re doing it right.”

There’s zero risk and a lot to gain.


Get My Plan Reviewed

🔒 Fully confidential. No cost & no obligation.

Four business owners — a professional, a construction worker, a doctor, and a mechanic — confident after improving their 401(k) plans

Just a quick note.

We know you’re busy. Probably skeptical. Maybe even tired of all the sales noise.

That’s not what this is.

We’re here to be useful, earn your trust, and hopefully win your business.

Direct Support From a Real Advisor. Not a Salesperson.

When you reach out, you’ll connect with Elena Samofalova — one of the lead advisors on a seasoned team of retirement strategists, compliance specialists, plan administrators, and investment professionals with over 30 years of combined experience. We work together to simplify your plan, reduce risk, and help your plan run smoothly.

You’re not getting routed to a sales rep or call center. Just professional guidance from someone who understands the challenges business owners face.

📞 Call or Text Elena
+1 (954) 400-3038
(Texting is often easiest — Elena will reply personally.)
📧 Email
elena@palmbeachpwm.com
📍 Office Address
103 SE 3rd Avenue, 10th Floor
Fort Lauderdale, Florida 33394

Contact Me Today

Elena Samofalova – Retirement Planning Specialist

Elena Samofalova

Investment Advisor / Retirement Strategist
CEO, Palm Beach Private Wealth Management

Helping small and mid-sized businesses reduce 401(k) risk, simplify compliance, and support their team with real guidance.

What’s Really Going On Inside Your 401(k) Plan?

Uncover hidden fees, reduce fiduciary risk, and simplify compliance, all in one free review.

  • ✔️ See how much your plan really costs
  • ✔️ Learn how to cut legal exposure
  • ✔️ Get answers in plain English, not sales pressure

🔒 Fully confidential. No cost & no commitment.

A small business owners reviewing 401(k) plan with retirement plan advisor

What You Get With a 401(k)/403(b) Plan Review

A no-pressure, expert review to help you uncover hidden fees, fix compliance risks, and make sure your plan is truly working for you.

Find Hidden Fees

Uncover What You’re Really Paying For

  • Recordkeeping and fund fees buried in plan documents
  • Revenue-sharing arrangements that quietly reduce employee returns
  • Indirect costs your provider may not be disclosing
  • Benchmark fees for plans your size to identify overcharges

Most business owners don’t have a clear breakdown of their true costs. We bring that to light — and help reduce them.

Reduce Fiduciary Risk

Lower Your Personal Exposure

  • Identify gaps in your fiduciary process
  • Ensure proper monitoring and documentation
  • Verify if your advisor accepts fiduciary responsibility (many don’t)
  • Confirm investment options meet current fiduciary standards

You may be held personally liable for mismanagement — even if you outsource everything. We help you avoid costly surprises.

Cut Unnecessary Tax Liability

  • Find deductible plan expenses you may be missing
  • Maximize owner and employee contributions
  • Use SECURE 2.0 credits or enhanced deductions
  • Lower taxable income through smarter plan design

A simple review could unlock real tax savings without changing your provider.

Make Your Plan a Real Benefit for Everyone

  • Increase participation with smarter design and clear education
  • Reduce HR headaches from confusion or complaints
  • Attract and retain talent with a more competitive plan

Most plans start strong, then stagnate. We help you bring yours back to life.

🔒 Fully confidential. No cost & no commitment.

How the Review Works — Step by Step

No pressure, no confusion — just expert guidance on what’s working, what’s not, and how to fix it.

1

Quick Intro Call (20–30 min)

We’ll learn about your plan, your goals, and what’s been stressing you out or holding your plan back.

2

Full Plan & Fee Check-Up

We’ll review hidden fees, fiduciary red flags, and compliance risks — including SECURE 2.0 updates.

3

Real Answers, No Pressure

We’ll show where you stand, what you could improve, and what’s possible — with zero obligation.

Small business owner reviewing a SIMPLE IRA retirement plan in a relaxed office setting, representing affordable retirement solutions for businesses with fewer than 100 employees.

Still Not Sure If It’s Worth Your Time?

Most business owners feel exactly the same way until they finally see the numbers.

With so many providers pushing their agenda, it’s no wonder you might hesitate too.

This review is different. It gives you real value upfront and shows you what your provider might not be telling you.

It’s a no-risk, no-commitment review. Just facts, clarity, and a chance to finally understand where your plan stands and whether you’re overpaying or exposed to risk.

🔒 Fully confidential. No cost & no commitment.

FAQs: Questions We Often Hear From Business Owners

That’s a fair question, and it starts with the providers behind the plans we recommend.

We only work with large, nationally recognized firms that specialize in 401(k) compliance, fiduciary oversight, and plan operations. These are the same names trusted by major corporations, now available to smaller businesses through a pooled plan structure. You’re not relying on one advisor; an entire institutional team backs you.

As your advisor, our job is to vet these providers, align them with your goals, and ensure the plan you’re offered is truly in your best interest, not a product being pushed by someone who stands to benefit financially. We’re not tied to any single platform, recordkeeper, or investment menu. Our role is to protect your outcomes, not anyone’s quota.

A Pooled Employer Plan (PEP) enables multiple unrelated businesses to participate in a single, professionally managed and maintained retirement plan structure. Instead of each employer being responsible for their own standalone plan with separate compliance tasks, filings, and oversight, the pooled structure shifts nearly all of that burden to experienced fiduciaries.

You still retain control over key decisions, including eligibility, employer match, and payroll integration. But ongoing plan management, compliance monitoring, testing, and filings are handled centrally by the PEP provider and its fiduciary partners (3(16), 3(38), etc.).

If your current plan is standalone and only offers basic recordkeeping, you may still be responsible for many oversight and compliance tasks, even if you’re not aware of them.

A “low” number on paper doesn’t always reflect a fair or efficient fee structure.

We often uncover hidden costs buried in older contracts, such as revenue-sharing, inflated advisory fees, or unnecessary wrap charges, which can make a plan appear more cost-effective than it actually is.

Our benchmarking process goes well beyond a simple rate check. It includes:

  • Side-by-side comparisons of recordkeepers and platform providers

  • A full breakdown of every fee layer (TPA, advisory, investment, custody, etc.)

  • Negotiating better terms or recommending more cost-effective alternatives

It’s not uncommon for businesses to reduce total plan costs by $25,000–$ 100,000 or more annually through strategic restructuring, even if their current plan was previously considered “low-cost.”

Under a Pooled Employer Plan (PEP), operational responsibilities are handled by designated experts, not left to the business owner or internal HR team.

The Pooled Plan Provider (PPP) assumes primary responsibility for day-to-day plan operations, including compliance testing, 5500 filings, participant notices, and DOL or IRS audits.

That means you’re not personally managing complex deadlines or shouldering liability for administrative errors; experienced fiduciaries handle these functions under the PEP framework.

If your current plan is standalone, you’re likely still responsible for coordinating multiple vendors and staying compliant without this level of built-in oversight.

Not at all.
In fact, many of the businesses we help have 20-300 employees and are exactly the ones most at risk of overpaying or missing compliance steps, because they’re too small for HR to stay on top of everything but too big for simple solutions to work.

We scale with your size and complexity, and Pooled Employer Plans (PEPs) allow small and mid-size businesses to access institutional pricing and fiduciary protections that used to be reserved for large employers.

No, and that’s a key difference in working with us.
PEPs are not always the right fit. In some cases, a customized standalone plan or a prototype structure with the right fiduciary layers makes more sense.

We run the analysis based on your current plan, your employee population, your goals, and what you want to outsource. If a PEP is a better fit, we’ll show you why. If not, we’ll explain the tradeoffs—and help you optimize what you already have.

Many plans appear simple on the surface but are actually very risky underneath.
What feels “easy” often comes from years of default settings, ignored notices, and autopilot renewals.

We break that cycle by helping you:

  • See how your current plan is performing

  • Understand where risk, cost, or inefficiency is hiding

  • Simplify with structure, not shortcuts

Once the right system is in place, you’ll spend less time managing your plan, not more.

Yes, and that’s part of what sets us apart.
We don’t stop at compliance and cost—we help employees understand and use their plan. Our education programs are modern, concise, and tailored to the real questions employees ask.

Better education means higher participation, more satisfaction, and fewer employee questions landing on your desk.

That’s absolutely fine.
We’re flexible and collaborative—we can either work alongside your current providers or help you transition if that’s the better path.
In many cases, we act as an overlay, bringing in benchmarking, plan optimization, and fiduciary protections while keeping familiar relationships in place.

Our goal is not to blow things up. It’s to upgrade what’s not working and protect what is.

You don’t need to do this yourself or all at once.

We start with a simple conversation and review your plan documents in the background. From there, we handle the research, benchmarking, analysis, and transition roadmap.

Your total time commitment: about 1–2 hours total, across a few short meetings.
And the return? Lower fees. Less liability. Higher confidence.