Advantages of an Unbundled Retirement Plan Solution

We’re happy to buy certain items right off the rack. Mass production offers consistency and savings, but sometimes it limits choices and flexibility. In retirement plan terms, this is like the difference between a bundled solution from a single provider and an unbundled solution delivered by multiple specialists.

With a bundled plan, you typically adopt a standardized plan design where a single provider acts as the recordkeeper, TPA, investment manager, and custodian. Investment options may be limited, and service quality is entirely dependent on that provider’s expertise in all aspects of retirement planning.

At Pension Services Inc., our unbundled approach offers a more customized solution. We provide expert, tailored plan designs, broad open-architecture investment options, and personalized local service to drive better long-term results and align your retirement plan with your unique needs and goals.

Why Choose an Unbundled Solution?

An unbundled retirement plan gives you the flexibility to select best-in-class providers for each aspect of your plan. This model allows for:

• Choice and Flexibility: Select from a range of investment options that fit your strategy, not just what a single provider offers.
• Custom-Tailored Design: Plans are aligned with your specific business needs and employee demographics.
• Specialized Expertise: Engage experts in each area, from administration to investment, ensuring high-quality service in each facet of plan management.

Both bundled and unbundled models can work well if they’re well-matched to your business needs. However, in many cases, the added flexibility and service quality of an unbundled approach provides a better fit.

We value our relationship with each client and are here to help you custom-tailor the ideal retirement plan solution for your organization. Reach out today to discuss how an unbundled retirement plan can align with your long-term goals.