Stop carrying the fiduciary weight of your retirement plan.
RPG’s 3(16) Fiduciary Services remove the compliance burden from plan sponsors – so you can focus on running your business, not managing retirement plan liability.
Being a plan administrator is harder than it sounds.
ERISA makes the plan sponsor the named plan administrator – which means you’re personally responsible for a long list of ongoing compliance obligations. Miss one, and the liability is yours. Like most employers, you didn’t sign up to be a retirement plan expert. You signed up to achieve tax and savings benefits for your business and your people.
RPG steps in. Your exposure steps down.
When you appoint RPG as your 3(16) Plan Administrator, we don’t just assist – we assume responsibility. Discretionary control over plan administration transfers to us, not just the tasks. That’s a meaningful legal distinction, and that’s the point.
Unlike a traditional TPA arrangement – where the plan sponsor delegates certain duties but retains discretionary control – a 3(16) fiduciary appointment transfers both the duties and the decision-making authority. RPG becomes the plan administrator of record.
What RPG takes off your plate
Sign and submit Form 5500 filings
Maintain and update plan documents
Manage participant enrollment
Authorize and process distributions and loans
Maintain required fidelity bond coverage
Distribute required participant notices (404(a)(5), QDIA, safe harbor, auto-enrollment, annual reports)
Monitor plan operations to fiduciary standards - every year
40+ years of ERISA expertise behind every decision
RPG is a CEFEX-certified TPA and recordkeeper. We’ve been administering complex retirement plans since 1984. When you appoint us as your 3(16) fiduciary, you’re not handing responsibility to a generalist – you’re handing it to a team that does this every day, with in-house actuaries and compliance specialists on staff.