Current Plan Analysis and Fiduciary Review
PENTEK will conduct an analysis of your
current administrative and investment environment.
This analysis will include items such as
an evaluation of your plan objectives, participant
reporting and education, investment strategies
and policies, ERISA compliance, revenue
sharing, trustee/custodial structure and
cost analysis.
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Asset Allocation
Study
PENTEK will evaluate your risk and return
requirements, time horizon and relevant
constraints. Our firm will propose optimal
asset allocation strategies against the
backdrop of the capital markets. This study
will include items such as standard deviations,
best and worst case scenarios, correlation
coefficients, etc. |
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| Investment
Policy Statement Development
PENTEK will construct an IPS which combines
elements of planning and philosophy and
will cover the steps in the management process,
starting with information about your plan,
assets and the portfolio(s), working through
asset allocation and manager selection and
finishing with performance monitoring. The
following primary components include:
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Purpose and Background. |
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Statement of Objectives. |
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Administration. |
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Guidelines and Investment
Policy. |
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Securities Guidelines. |
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Selection of Mutual Fund or
Money Managers. |
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Control Procedures. |
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Investment
Manager/Mutual Fund Evaluations and Searches
PENTEK will review your current (or seek
out) investment manager(s) -- both from
a fiduciary aspect and their appropriateness
within the portfolio(s). Following is a
sample of the items covered: |
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Regression analysis
- current and historical. |
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Portfolio statistical evaluation. |
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Modern Portfolio Theory (MPT)
analysis. |
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Asset composition. |
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Total fees - visible and
hidden. |
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Relative return and volatility
breakdown. |
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Administrative
Searches and Implementation
PENTEK will evaluate, propose and coordinate
custody, trust and recordkeeping service
providers. Such items to be considered include
total costs, technological capabilities,
information flows, legal requirements and
various administrative issues unique to
your organization. |
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Performance Reporting
PENTEK will monitor and report on the performance
of your portfolio(s). Included are on going
economic and market reviews, portfolio analysis,
performance measurement and portfolio accounting.
These reports will be AIMR (Association
of Investment Management and Research) compliant.
Our firm can also provide abbreviated performance
reports to your participants. These include
performance by fund option with appropriate
benchmarks.
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Participant
Education
PENTEK will conduct on-site education to
your plan participants. Included within
this service is the following: |
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Information on
investment fundamentals, including
the importance of diversification
and the asset allocation decision. |
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The relationship between risk
and return. |
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The impact of the investment
time horizon and the effect
of inflation on investments. |
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Instruction on the time value
of money, particularly the effects
of compounding. |
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Discussion of the assets
that make up each of the different
investment options. |
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Relative return and volatility
breakdown. |
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The importance of each participant
maximizing contributions, especially
if there is a plan sponsor match
feature. |
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Participant
Investment Advice
PENTEK will provide unbiased, personalized
investment advice to your plan participants.
This is available one-on-one or through
the PENTEK web site. Your participants will
now have the capability to answer three
important questions: |
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Will I have enough
to retire? |
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How should I invest for retirement? |
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What do I do when markets
change? |
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