Plan-paid, flat-fee fiduciary oversight for your 401(k).
We serve as your 402(a) Named Fiduciary and deliver project-based engagements that reduce friction in education, access, and cost. Every step is documented for your fiduciary file.
What we do…
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Rapid 401(k) Diagnostic
Baseline cost, friction, and risk, then leave you with a one-page action plan. We benchmark all-in fees, model AUM-to-flat scenarios (plan-paid when permitted and prudent), review loan ratio and default status, and check payroll/data flows. You get an executive readout with a dated roadmap and a 30-day timeline.
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SECURE 2.0 Enablement
Implement defaults and notices quickly and correctly. We finalize auto-enrollment and auto-escalation design, coordinate recordkeeper/TPA/payroll updates, and provide participant communications: emails, a one-pager, and a 60–90s explainer. All artifacts are packaged for your fiduciary file.
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402(a) Named Fiduciary
Be the accountable layer that keeps the plan clean and moving. We handle claims and appeals, administrative oversight, investment menu monitoring, quarterly governance, 408(b)(2) inventory and 404(a)(5) support, and provider scorecards. You receive a monthly SLA summary and a quarterly committee deck.
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Participant Activation Bundle
Reduce friction so participants act on time and with confidence. We set up a compliant, hosted plan overview video, deliver a QDIA education flow, produce three short videos, host monthly office hours, and provide an engagement dashboard and communications calendar.
Value Assurance
We aim for cost-neutral or cost-down outcomes—and for service quality and plan literacy to trend up. If agreed 90-day milestones are not completed, we credit or waive the next month’s fee (up to three months).
How We Charge
Fees are plan-paid when permitted by the Plan and prudent for participants. Pricing is flat and predictable—per-participant or fixed monthly—no percentage of assets. We provide full 408(b)(2) disclosure and support 404(a)(5) participant communication.
The 15-Minute Plan Checkup
Three numbers in one short call: loan ratio, default design, and all-in fees. You receive a one-page action plan and a clear path to flat, plan-paid fees when appropriate.
Our Approach
We install a steady governance rhythm, clean data flows with SLAs, and coordinated providers so the plan runs without drama. For participants, we reduce friction with defaults and simple education—and we document every step with metrics your committee can trust.
Plan-paid applies only when permitted by the Plan and prudent for participants. Orbital does not guarantee investment performance. Certain employer “settlor” decisions are employer-paid.