About Qmulate 401k
A Clearer 401(k) Experience for Sponsors and Employees
Qmulate combines plan sponsor support, limited-scope ERISA 3(21) advice, and participant education with independent plan service providers.
Know who is responsible for each part of the plan.
Qmulate Capital provides retirement plan services on a non-discretionary basis under ERISA 3(21) and serves in a limited-scope fiduciary capacity. The plan sponsor retains final authority over plan decisions.
Qmulate Capital
Provides non-discretionary, limited-scope ERISA 3(21) advice
Helps evaluate and monitor plan investment options
Reviews plan fees, services, and provider information
Provides participant education and investment guidance
Plan Sponsor
Retains final authority over plan decisions
Chooses whether to accept advisory recommendations
Selects and monitors the plan service arrangement
Maintains responsibility for the overall plan process
Independent Providers
Provide applicable custody and recordkeeping services
Perform plan administration under their service agreements
Maintain plan and participant records
Deliver the technology used for applicable plan functions