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Retirement Plan Services for Employers and Employees

From fiduciary oversight to participant education, RCA helps companies manage their retirement plan while giving employees the tools to plan their own future.

Services for 401(k) Plans

We assist companies with plan oversight requirements while also making advisory services available to plan participants.

Plan Oversight

For Plan Sponsors

  • 3(38) Investment Management Services
  • Plan Compliance Guidance & Annual Review
  • Plan Benchmarking & Annual Plan Document Review
  • Investment Selection and Monitoring
  • Model Portfolios & Annual Fund Analysis
  • Secure 2.0 Guidance & Legislative Updates
  • Fee Transparency
Advisory Services & Education

For Plan Participants

  • CERTIFIED FINANCIAL PLANNER® Practitioners Available for Participants
  • Managed Accounts and Planning Programs
  • Plan Participant Meetings
  • On Demand Learning Modules
  • Quarterly Newsletter

Let us find out if Retirement Corporation of America is the right partner for your 401(k) plan. Call us at 513-769-4040, or watch the video below to learn more.

Ready to Review Your Plan?

Whether you're a plan sponsor looking for fiduciary support or a participant with questions about your account, let's talk through how RCA can help.

SCHEDULE A MEETING

401(k) Plan FAQs

What is a 3(38) fiduciary, and why does it matter for our 401(k) plan?

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A 3(38) fiduciary is an investment manager who takes on legal responsibility for selecting and monitoring your plan's investment lineup, reducing your company's fiduciary liability as the plan sponsor. RCA serves as a 3(38) fiduciary for employer-sponsored plans, providing Cincinnati-based oversight, compliance guidance, and ongoing investment monitoring so your team can focus on running the business.

Can employees get personal financial planning help through their 401(k) with RCA?

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Plan participants have access to CERTIFIED FINANCIAL PLANNER® practitioners, managed account programs, and one-on-one meetings through RCA — not just a fund menu. This gives employees real financial planning support alongside their 401(k), coordinated by RCA's Cincinnati-based advisory team.

How much does it cost for RCA to manage our company's 401(k) plan?

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401(k) plan fees depend on plan size, services needed, and your current fee structure, since every company's situation is different. The clearest way to get a specific answer is a complimentary plan review — call RCA at (513) 769-4040 or schedule a meeting to discuss your plan directly.

Still have a question? Reach out below and we'll get back to you.

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