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Your Investment Responsibility

 

As a retirement plan sponsor, the most important investment decision you must make is that of whom do you assign the responsibility for investment decision-making. This decision has profound implications for the plan’s cost and complexity, the liability retained by your key decision-makers, and most of all for the plan’s level of success in providing meaningful retirement benefits to plan participants


 

woman presentingWhen considering the level of service you need from SCBT in managing plan assets, you must ask who in your organization is most qualified to make investment decisions for plan Participants ,and how can SCBT be most helpful?

To help you answer this question, here are a few things to consider:

  • Does a Trustee, or an Investment Committee, make these decisions?
  • Should plan assets be managed by the Trustee or the Committee for the benefit of all?
  • Should plan assets be managed by the plan participants using investment options selected and monitored by the Trustee or Committee ?
    • How does this decision affect plan complexity and plan expenses?
    • How does this decision really affect the plan sponsor’s liability?
    • How does this decision really affect the liability of the Trustee or Committee?
  • Does your Trustee or Committee need professional advice regarding:
    • How to determine which investment structure is “best” for plan participants?
    • Meeting their fiduciary obligations in managing plan assets.
    • For participant-directed investment plans, do they have the time and resources
      to select and then continuously monitor the plan’s investment options?
    • For trustee or committee-directed investment plans, do they have the time, expertise and resources to manage the plan’s portfolio properly?
    • Can they reliably establish proper fiduciary procedures and records, and maintain them indefinitely?
  • Is your plan being served properly by your current broker or advisor?
  • Is your company being served properly by your current broker or advisor?
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