Our focus is the quality and the costs of the program,
not only to the plan sponsor, but also to the participants. We provide investment portfolios utilizing funds managed by one of the largest and best institutional fund managers in the world at a cost that is significantly below the industry averages. Providing best of class quality at a low cost to participants, leads to better account growth and a more secure retirement.
The foundational tenet of Participant Services for us is education.
In our many years of qualified plan experience we have conducted literally thousands of meetings for thousands of employees and plan participants. We understand that participants need to have the basic knowledge of the investment options that are being offered in the plan as well as the impact and effects of their investment elections; this is critical to their future financial success. We meet this need through regular employee enrollment and educational meetings.
Unfortunately, studies have consistently shown that plan participants
are often their own worst enemies, making poor investment decisions. Accordingly,
we have developed global portfolios fully diversified across all equity asset classes across
all markets so that all a participant needs to do is to select the model portfolio that is clearly aligned with their timelines and objectives. Further, we provide individual investment counseling for any participant that desires additional help. Finally, we are available to help each and every participant make the best investment election for their own overall financial plan utilizing our
proprietary Life Planning Model.
PGR Retirement Plan Services knows what participants need to know in order to make the best decisions for successful retirement planning. Accordingly, our program offers:
- High-quality investment options – with best-in-class funds from one of the world’s
best and largest institutional money managers - Full global diversification – consistent with the global economy that we live in today
- Better expected investment performance over traditional active management –
based upon academic research and studies
- Lower investment costs – with investment costs well below the industry averages
- Default investment elections – for those that do not make an election, eliminating
accounts sitting in cash and not growing at all
- Investment Models for participants – providing full global diversification across all
asset classes which academic research has shown to provide less risk and volatility
and better growth over time - Regular employee enrollment and education meetings
- One-on-one financial counseling
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