Employer 401(k) Advice · New Hampshire
A 401(k) Review for Granite State Employers
We advise New Hampshire employers on their 401(k) plans: what the plan costs, how it is structured, and how the fiduciary duties that come with offering one are being handled.
Many New Hampshire businesses have employees who live in, or work in, Massachusetts, Maine or Vermont. That can matter more than it first appears, because several nearby states have their own retirement programs for employers.
What We Do
401(k) Plan Advice for New Hampshire Employers
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01
Plan Design & Setup
Safe harbor, traditional, Roth and profit-sharing options, coordinated with your recordkeeper and plan administrator.
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02
Fiduciary Support
We help document how investments are selected and monitored, and how fees are reviewed.
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03
Fee Benchmarking
A side-by-side look at what your plan costs, with no charge and no obligation.
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04
Employee Education
Enrollment meetings, group sessions and one-on-one conversations for your team.
Local Considerations
What New Hampshire Employers Often Ask About
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01
Employees in neighboring states
Several New England states run retirement programs for private employers that do not offer a plan, and the rules can depend on where employees perform their work. If you have employees working in Maine, Vermont, Connecticut or Rhode Island, it is worth checking those programs. We have separate pages for each.
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02
A plan that works for a small company
Small employers often have a few highly paid owners and a larger team that saves less. Safe harbor plans can avoid the annual testing that sometimes forces refunds to owners, and we help you choose a design that fits.
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03
Bundled and unbundled plans
Many small plans are sold as one package by a single provider. An unbundled structure splits recordkeeping, administration and advice among separate firms, which can improve transparency. Our guide explains the difference.
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Reviewing what you pay
Fees can be hard to see in a plan's disclosure. We benchmark your plan against a proposed alternative at no charge, so you can judge whether the costs make sense.
Free Guide · 7 pages
Bundled vs. Unbundled 401(k)
Who does what in your company's plan, what 3(16), 3(21) and 3(38) mean, how each provider is paid, and how to change the structure without disrupting employees.
Common Questions
Questions New Hampshire Employers Ask
We are not aware of a New Hampshire requirement for private employers at this time. Rules change, so confirm with your attorney. Employees who work in other states may bring those states' rules into play.
Often not. We can frequently serve as your plan's investment adviser alongside an independent third-party administrator without moving assets.
Yes. Send us your fee disclosure and we will review the plan's costs, investments and structure, with no cost and no obligation.
Our office is in Boston. We work with New Hampshire employers by video and phone, and in person by arrangement.
Prefer to Talk It Through?
Request a Complimentary Plan Review
Send us your plan's most recent fee disclosure and we will review its costs, investments and structure, then explain what we find in plain terms. No cost and no obligation.
This page is general information about 401(k) plans for New Hampshire employers. It is not individualized investment, tax or legal advice, and is not an offer to buy or sell any security. State retirement-program rules change; confirm current requirements with your state's program and your legal and tax advisors. Radius Wealth Management LLC provides individualized advice to residents of a state only where permitted. Our office is at 1 Marina Park Drive #1410, Boston, MA 02210.