401(k) Planning for Employers

For many employers, the 401(k) plan is treated as a checkbox—a required benefit that gets set up once and rarely revisited. But behind that checkbox is often a gap: a lack of clarity around costs, compliance, and whether the plan actually aligns with your company’s needs.

That’s the Trust Gap—and it’s where we come in.

At Feliciano Financial, we don’t sell plans. We help you see what’s really under the hood. We organize the components, simplify the decision-making, and clarify what your plan is doing (or not doing) for your business.

Why You Should Care

Your 401(k) plan may be the only interaction your employees ever have with “financial planning.” If the plan is poorly structured, hard to use, or poorly communicated, they may disengage—and so might you.

But when a plan is thoughtfully built and maintained, it can:
– Strengthen employee loyalty
– Provide meaningful tax strategies for owners
– Demonstrate leadership that puts people and planning first

If your 401(k) hasn’t been reviewed in years, or if you’ve inherited a plan from a prior administrator, there may be blind spots you aren’t even aware of.

That’s where the Trust Gap widens—between what your plan *should* be doing and what it’s actually doing.

Components to Review

– Eligibility Rules: Age, service time, and entry windows
– Employee Contributions: Pre-tax, Roth, or both
– Employer Match or Profit Sharing: Including Safe Harbor options
– Vesting Schedule: Retention strategy or hidden liability?

Optional Features Worth Considering

– Automatic Enrollment: Encourages higher participation
– Target-Date Funds: Easy, diversified choices for employees
– Roth Contributions: Tax flexibility for different income levels
– Plan Design Reviews: Catch small issues before they become costly

A Plan That Grows With You

Your business evolves—your 401(k) plan should too. Many plans are out of sync with the business owner’s personal goals, compliance requirements, or workforce demographics.

We help bridge that disconnect—not by offering products, but by helping you organize what you have, simplify what you’re trying to achieve, and clarify what options fit your path forward.

Let’s Review It—Together

You don’t have to know what’s wrong with your plan. You just have to be open to asking:

“Is this still working the way we need it to?”

We’re here to help you answer that—clearly and confidently.

📞 Ready to feel the relief of a real plan?

Book a discovery call today—no pressure, just progress.

Schedule your discovery call at 903-533-8585