Managing a corporate retirement plan is complex.

(k)larity® makes it simple.

Our goal is to provide your organization with a plan that gives you peace of mind, that you can be proud of and that your employees will love.

Offering a great retirement plan to your employees while navigating the rapidly-changing fiduciary landscape has never been more difficult. That’s why companies who want to provide retirement security to their people while gaining the confidence they’re on a solid fiduciary footing turn to Greenspring. With a deep bench of credentialed professionals on staff, industry-leading tools and methodologies that provide comprehensive fiduciary oversight and a robust employee engagement experience, we focus on helping you solve today’s problems while staying ahead of the curve on tomorrow’s issues by providing you with (k)larity®.

How We Help Your Company

How We Help Your Employees

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(k)larity Quotient® from Greenspring: A Fiduciary's Roadmap for Success

While our proprietary (k)larity Quotient® methodology typically uses nearly 40 key performance indicators (KPIs) to help organizations assess, compare and improve retirement plan performance, we’ve created this streamlined version to help plan sponsors immediately see how they measure up against current industry best practices by answering just 16 simple questions in 4 key dimensions.

Does your company’s 401(k) plan have a high (k)Q®?

Section 1 of 5
My company has
  • Under 100
  • 100-249
  • 250-499
  • 500-999
  • 1,000-4,999
  • 5,000-9,999
  • Over 10,000
employees, and our plan size is currently
  • Less than $1 million
  • $1-5 million
  • $6-10 million
  • $11-25 million
  • $26-50 million
  • $51-100 million
  • $101-500 million
  • $501 million+
  • ADP Retirement Services
  • Alerus Retirement Solutions
  • Alliance Benefit Group
  • American Funds
  • American Trust Retirement
  • Ameritas Retirement Plans
  • Ascensus
  • Aspire Financial Services
  • AXA
  • Bank of America, Merrill Lynch
  • BB&T Retirement and Institutional Services
  • BOK Financial
  • BPAS
  • CDM Retirement Consultants
  • Charles Schwab
  • Conduent LLC
  • Correll Co.
  • CUNA Mutual Retirement Solutions
  • Employee Fiduciary
  • Empower Retirement
  • EPIC Advisors, Inc.
  • Fidelity Investments
  • GuideStone Financial Resources
  • Insperity Retirement Services
  • John Hancock Retirement Plan Services
  • July Business Services
  • Kidder Benefits Consultants, Inc.
  • Lincoln Financial Group
  • MassMutual
  • MetLife Resources
  • Milliman, Inc.
  • Mutual of America
  • Nationwide
  • Newport Group
  • Northwest Plan Services, Inc.
  • OneAmerica
  • Paychex, Inc.
  • Pentegra Retirement Services
  • PNC Retirement Solutions
  • Principal Financial Group
  • Professional Capital Services
  • Prudential Financial, Inc.
  • RPG Consultants
  • Securian Financial Group
  • The Standard
  • TCG Administrators
  • TIAA
  • Transamerica
  • T. Rowe Price
  • Ubiquity Retirement & Savings
  • Unified Trust Company
  • USI Consulting Group
  • Vanguard
  • Voya Financial
  • Wells Fargo
  • Other
. We are in the
  • Accounting
  • Advertising
  • Aerospace
  • Aircraft
  • Airline
  • Architects
  • Automotive
  • Banking
  • Biotechnology
  • Broadcasting
  • Chemical
  • Construction
  • Consulting
  • Consumer Products
  • Defense
  • Education
  • Electronics
  • Energy
  • Engineering
  • Entertainment & Leisure
  • Financial Services
  • Food, Beverage & Tobacco
  • Government Contracting
  • Health Care
  • Information, Data & Analytics
  • Insurance
  • Leasing & Rentals
  • Legal
  • Manufacturing
  • Media Travel & Leisure
  • Non-Profit
  • Pharmaceuticals
  • Plumbing, Heating & Air Conditioning
  • Printing
  • Publishing
  • Real Estate
  • Retail & Wholesale
  • Service
  • Sports
  • State & Local
  • Technology
  • Telecommunications
  • Transportation
  • Utilities Posted

Fiduciary Responsibility

Section 2 of 5
Each KPI in this plan dimension focuses on determining whether the retirement program has implemented industry-leading investment and fiduciary best practices to minimize both corporate and personal liability for plan fiduciaries.
Do you have a properly appointed retirement plan committee?
Have you provided your committee with formal, documented fiduciary training?
Do you use an Investment Policy Statement (IPS)?
Do you keep minutes of every committee meeting?

Plan Design & Performance

Section 3 of 5
Each KPI in this plan dimension focuses on determining whether the retirement program is designed, operated and consistently measured in a way that drives successful outcomes for participants with less administrative burden for plan sponsors.
Do you use automatic enrollment?
Do you use automatic escalation?
Is your default percentage set to a level that enables your employees to receive the full match?
Is your plan passing annual testing?

Fees & Compensation

Section 4 of 5
Each KPI in this plan dimension focuses on determining whether the retirement program delivers economic value to both participants and plan sponsors by aligning corporate goals and initiatives with competitive pricing and access to best-in-class investments from top-tier vendors.
Has your plan eliminated the use of revenue sharing?
Does your plan use the lowest cost share classes available?
Have you negotiated a fixed fee arrangement (rather than asset-based fees) with your advisor and/or recordkeeper?
Do you have a reporting process in place to independently track, monitor, document and benchmark all service provider compensation, including both direct, hard-dollar fees and indirect revenue sharing?

Employee Engagement 

Section 5 of 5
Each KPI in this plan dimension focuses on determining whether the retirement program provides plan participants with the resources they need to move the needle to a more financially sound retirement by combining unbiased personal guidance along with smarter, simpler and more efficient investment strategies.
Are there fewer than 15 fund options in your plan?
Are more than 90% of your plan assets invested in a professionally managed option like a target date fund (TDF)?
Have you eliminated any substantial “overlap” between the funds in your plan?
Does your plan provide access to a fiduciary advisor for your participants?
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Fiduciary Training with Fiduciary U™

Fiduciary U™ is aimed at helping retirement plan fiduciaries have a full understanding of what it means to be an ERISA fiduciary and to become better prepared to face their duties and manage both the corporate and personal liability that has arisen due to increased scrutiny from the Department of Labor and the rapidly growing number of 401(k) and 403(b) lawsuits in the marketplace.

10 Video Lessons
11 Interactive Quizzes
13 Compliance Tips
1 Certificate of Completion
2.25 Hours of HRCI® Recertification Credit

Learn More