Retirement Plans Built to Support the Business
An employer retirement plan is more than a benefit. It is a financial tool that impacts cash flow, talent retention, leadership strategy and long-term business planning.
Altus Consulting Group provides employer retirement plan consulting for business owners who want a structured, practical approach and a partner who stays involved. We work alongside employers to design, manage and oversee retirement plans in a way that supports both the organization and its employees over time.
We guide the process, manage the details and help ensure decisions are implemented and documented so nothing falls through the cracks.
A Hands On, Business-Focused Approach
Retirement plans often become fragmented. Plan sponsors are expected to coordinate vendors, understand regulations, make investment decisions and document fiduciary processes while still running the business. Altus brings clarity and structure to that complexity.
Our employer retirement plan consulting approach starts with understanding the business itself. We look at workforce demographics, ownership goals, cash flow considerations and long-term strategy so the plan is aligned with where the business is heading rather than operating in isolation. We stay involved through implementation and ongoing oversight, coordinating with providers and keeping fiduciary processes current as conditions change.
Who We Work With
Altus specializes in working with small to mid-sized employers. These businesses are often underserved by traditional retirement plan advisors and left without the level of guidance and follow-through they need.
While we support clients across a wide range of industries, we tend to see the most impact with new or growing organizations that have reached a point where their retirement plan needs more structure. This often includes professional services firms, healthcare groups, manufacturing companies and family-owned businesses.
Business Owners & Founders
CFOs & Controllers
HR & Operations Leaders
What matters most is not the industry, but a leadership team that wants to be intentional about how their plan is designed, managed and documented.
Our clients value a clear process, steady guidance and a partner who takes ownership alongside them.
Plan Types & Services
We help determine which structure aligns best with your business goals today and how that may need to evolve over time.
- 401(k) plans for businesses of all types
- 403(b) plans for nonprofit organizations
- SEP IRA, SIMPLE IRA, and Solo 401(k) plans
- Cash balance plans
- Non-qualified and supplemental plans
This structured approach supports stronger governance and allows decisions to stand up under review without placing unnecessary burden on the business owner or internal team.
For clients transitioning from an existing advisor or plan structure, we follow a structured, step-by-step process. Once engaged, we coordinate directly with current providers to gather plan data, evaluate the existing setup and identify gaps or opportunities. From there, we guide improvements or implementation changes, while ensuring everything is clearly communicated and documented for both plan sponsors and participants.
- Plan design guidance
- Fiduciary training and education
- Investment analysis and monitoring
- Fee benchmarking and cost management
- Provider due diligence and coordination
- Participant education and communication
- Administrative support and documentation
We maintain a vendor neutral approach. We do not manufacture proprietary investments or operate a record-keeping platform, which allows our recommendations to remain objective and focused on what best supports the plan and its participants.
We also act as the central point of coordination across your advisor team. Whether working with CPAs, TPAs, payroll providers or benefits consultants, we help ensure communication stays aligned, responsibilities are clearly defined and decisions are implemented correctly.
Ongoing Involvement that Builds Confidence
Employer retirement plans are not a set it and forget it responsibility. Altus remains engaged year-round, reviewing investments, updating fiduciary files and communicating regulatory or legislative changes that may impact the plan. While formal fiduciary review meetings typically occur annually, our clients hear from us regularly and know we are actively monitoring their plans behind the scenes.
Most clients follow a structured engagement cadence that includes an annual fiduciary review meeting, supported by ongoing quarterly investment reviews, fee and service monitoring, and periodic participant education. Even when formal meetings are limited, our clients know we are consistently working behind the scenes to keep their plan on track.
This level of involvement allows business owners to move forward with confidence, knowing their plan is being handled the right way.
"One of the most common challenges we see is assuming a retirement plan will run itself once it's in place. Our role is to bring structure to these ongoing obligations."
Strengthening Plans as Businesses Grow
As businesses evolve, retirement plans should evolve with them. For example, we’ve worked with growing organizations to redesign contribution structures as leadership teams expanded, helping align the plan with executive retention while maintaining balance across the broader employee base. Over time, the plan became a more strategic tool for attracting and retaining talent.
In other cases, as plans scaled in size, we partnered with existing providers to improve fee structures and evaluate investment share classes, resulting in meaningful cost savings and improved long-term efficiency without requiring a platform change.
Part of a Broader Financial Strategy
By aligning retirement plans with broader business decisions, we help ensure strategies work together rather than creating conflict or inefficiency over time.
By aligning retirement plans with broader business decisions, we help ensure strategies work together rather than creating conflict or inefficiency over time. Altus believes employer retirement plan consulting works best when it is built on trust, structure and ongoing involvement. We are here to guide decisions, manage the details, and support business owners through each stage of growth with clarity and confidence.
If your organization is looking for help in these areas, contact us or schedule a consultation with one of our trusted advisors.
