A bundled approach with a single provider can bring savings, peace of mind and increased employee participation

We understand the obstacles that come with having multiple service providers for your retirement plan. It can be confusing and time consuming, as well as put you at risk of breaching your fiduciary duties which can lead to costly consequences.

If you have multiple providers, you’re likely dealing with a few of these issues:


Inconsistent employee education


A lack of strategic plan design consulting


Insufficient recordkeeping & administrative


Limited investment selections & absence of independent investment oversight


No fiduciary training & support


Inadequate compliance resources


Inability to provide a valuable & cost-effective retirement program


Additional insurance expenses & minimal assistance with plan audit support


Retirement plans administered by multiple providers often experience persistent processing errors and compliance issues due to the lack of provider accountability. If revealed during an IRS audit, they can result in plan disqualification. The tax cost and associated penalties could run into the millions of dollars for the employer.

At USI Consulting Group (USICG), we developed our Direct Solutions bundled services program to help our clients mitigate the day-to-day challenges of managing multiple providers for their 401(k), 403(b) or 457 plan. Direct Solutions is mutual-fund-based, which eliminates additional insurance expenses and improves employees’ abilities to meet their retirement goals.

Through Direct Solutions, USICG is in a unique position to provide a fully integrated, cost-effective solution by serving as both your full-service recordkeeper and co-fiduciary advisor. Key features include:


Robust Recordkeeping & Comprehensive Administrative Services

From a seamless transition to ongoing administration and fiduciary support, we make it easy for employers at every step of the process.


Independent Investment Advice & Solutions*

Experienced professional advice, diversified investment options and co-fiduciary support to help clients meet their goals.


Regulatory & Plan Compliance Support

Team of experts who analyze the potential impact of legislative and regulatory changes, simply complex compliance issues and mitigate risk.


Proactive, Client-centric Support & Consulting

Dedicated team of specialists who oversee the implementation of your plan and provide ongoing administration and consulting, including plan design strategies.


Customized Employee Education & Resources

Proven strategy to engage employees year-round to take action to be retirement ready, including individual counseling and interactive online resources.


Retirement Plan Design & Benchmarking

Proprietary analytics to optimize your retirement plan design features to meet your organization's objectives and boost recruiting and retention efforts.

One provider, Fewer issues

Retirement plans have become more technical with creative plan designs, diverse investment options and administrative strategies. Finding an effective and efficient service model can be a challenge for many employers, especially when plans are administered by multiple providers.

If you have multiple providers for your retirement plan, ask yourself these questions:


Who do I turn to for day-to-day operations or questions?


Do I have the correct plan design to achieve my organization's goals?


Who can help with highly technical issues?


How do I ensure the plan is operating correctly and efficiently?

With a bundled solution, you have one point of contact for all plan services, and you may experience a lower cost because you’re working with just one provider.

USI Consulting Group is your trusted partner. Our Direct Solutions bundled approach helps employees save for retirement, alleviate administrative burdens and drive efficiency for your retirement plan.


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Single point of contact

Offer cost-effective competitive plan to attract and retain talent

Secure protection and mitigate risk through fiduciary oversight Ease administrative burden, saving time and money

Enhance employee education and improve retirement readiness

*Investment advice provided to the Plan by USI Advisors, Inc. Under certain arrangements, securities offered to the Plan through USI Securities, Inc. Member FINRA/SIPC. Both USI Advisors, Inc. and USI Securities, Inc. are affiliates of USI Consulting Group.