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The Platinum 401k, Inc.

America’s Leader in 401k Plan Outsourcing!

Multiple Employer Plan Solutions For Your

Corporate Retirement Plan


Retirement Plan Outsourcing Allows You To Focus On Your Business.

Increasing operational and compliance concerns are causing employers to consider alternatives to traditional

“single employer retirement plan” programs. In the past, employers needed to assume full responsibility for

investment fund selection and monitoring, changing



employee hardship requests, beneficiary payments,

Form 5500 filings, plan documents, annual notice

requirements, and much more. Quarterly investment

and plan committee meetings tie up senior employee

schedule time as employers struggle with what seems

like an ever-increasing workload of regulatory and

compliance hurdles. Additionally, in most cases

employers shoulder personal financial responsibility

for any mistakes that might be inadvertently made in

operating their plan. This is unacceptable when there

are other options available to the employer.




The Platinum 401k Can Handle All Of These Challenges And More!

Our unique multi-provider program is the leader in the retirement plan industry. With over 25 years of

experience in working with multiple employer plan clients and with the flexibility to tailor investment

providers – and pricing – to each client, our professionals enjoy a unique reputation for retirement plan

excellence across the country.

What Does All Of This Mean To You And Your Company’s Retirement Plan?

Investment Provider Flexibility

The Platinum 401k allows you the ability to choose from a selection of leading investment providers.

Plan Design Flexibility

Our program can seamlessly accommodate any existing prototype document plan design.

Pricing Flexibility

By custom pricing each adopter individually, clients can receive pricing concessions as assets grow.

Reduce Your Fiduciary Liability And Focus On Running Your Company

You can eliminate your role as a Plan Trustee, and also reduce or eliminate many of the traditional duties

associated with running a retirement plan. Save time, save money, and enjoy peace of mind.

Lower your costs, lower your liability, and have less headaches. Run your 401k plan just like

you run all of your other employee benefit programs – hire a provider who then assumes the

responsibility for virtually all of the day-to-day fiduciary oversight!



The Platinum 401k Is Changing The Way America Saves For Retirement By….

•Eliminating the employer’s plan trustee level of liability;

•Eliminating quarterly investment committee and plan trustee meetings;

•Eliminating Form 5500 filings (these are done for you);

•Dramatically reducing plan audit fees for plans subject to this annual requirement;

•Significantly reduces the adopting employer’s fiduciary responsibility;

•Utilizing a CEFEX-Certified ERISA 3(38) Fiduciary Investment Manager to eliminate investment

selection and monitoring risks for the employer;

•Eliminating all required plan document restatement fees;

•Having us approve all hardship withdrawals, QDRO’s, beneficiary payouts, and handling all annual

Plan Notice requirements;

•Offering investment alternatives from among the industry’s leading 401k retirement plan


•Allowing you to handle your 401k plan in much the same manner as you handle all of your other

employee benefit programs – you choose a provider who handles almost all of the day to day

operations, and you review the arrangement annually or more frequently to see if it still meets

your needs as an organization.

Who Is A Good Prospect For The Platinum 401k?

We oversee retirement plan assets for employers who have as few as 25 employees to those

companies with well over 10,000 workers. Our minimum initial plan size is $1,000,000 of existing plan assets.

Our average plan size is between $3,000,000 and $8,000,000, and our largest individual Platinum 401k






$20,000,000 in plan assets.

Our target market is corporate retirement

plans for companies with 50 – 1,000 employees

who have current plan assets of $3,000,000 to

$15,000,000. Our national enrollment support

allows us to easily accommodate companies with

multi-state locations. By the way, clients who are

currently utilizing one of our provider partners may

be able to eliminate all “blackout notice”

requirements in a plan conversion. Ask us for

further information about this terrific benefit!



Meet One of America’s Most Experienced Multiple Employer Plan Teams

With over 70 years of combined industry experience, the senior leadership team of The Platinum 401k

program ranks among the most elite members of the retirement plan community today.

Third Party Plan Administration Services Provided By American Pension Services, LLC

American Pension Services, LLC is one of the country’s most experienced multiple employer plan

administration firms. Our team has been involved with multiple employer plan clients for over 25 years and

they currently provide multiple employer plan administration services for some

of the retirement plan industry’s largest professional employer organizations.

The company, based in Clearwater, Florida, was established in 2000.

Terrance Power, AIFA®, QPA®, ERPA, CFP®, CRPS®, is the founder and

President of the organization. A 35-year retirement plan industry veteran, Terry

has been a frequent speaker at events sponsored by the American Society of

Pension Professionals and Actuaries, fi360, The Center for Due Diligence, the

National Association of Professional Employer Organizations, Wolters Kluwer,

Plan Sponsor Magazine, and many other prominent industry organizations. He

also provided expert testimony before the U.S. Department of Labor ERISA

Advisory Council in 2014 on the subject of Outsourcing Employee Benefit Plan

Services. Terry is also the founder and owner of The Platinum 401k, Inc.

As the program’s third party administrator, American Pension Services, LLC is responsible for

retirement plan administration and compliance oversight of the program.

Plan 3(38) Investment Manager Services Provided By Fidelis Fiduciary Management, LLC

W. Michael Montgomery, AIF®, CLU, CFS, TGPC, C(k)P®, serves as the plan’s ERISA 3(21) and 3(38)

Investment Manager as the Chief Executive Officer of Fidelis Fiduciary Management, LLC. Mike has been in the

retirement plan industry since 1977. In 2009, his firm secured the coveted CEFEX

Certification for fiduciary excellence. They are one of less than 100 firms nationally

to hold this distinguished certification.

He was named by the as one of the “100 Most Influential

People” in the Defined Contribution Industry in 2010. He was twice named as the

#1 Defined Contribution Advisor in the United States in one of four market

segments (2010 and 2012). He was also named to the 2015 Financial Times “Top

401k Retirement Plan Advisors” list.

The Investment Manager selects and monitors the investment fund lineup

for the program and is also responsible for the fiduciary due diligence oversight of

the entire program.



What Makes Us So Unique? There Are A Lot Of Reasons.

The decision to outsource your retirement plan

to experienced industry professionals should be pretty

straightforward. Either you want to retain total flexibility

and responsibility (and liability) for plan oversight, or

you’ve decided you would rather hand off almost all of the

fiduciary duties and liability to a third party. Once that

decision has been made, the next decision – who best to

take over these duties – is equally important. We think this

is where we have a huge advantage over the rest of the


We are unique in our ability to have brought the

first multi-provider solution to the 401k Outsourcing marketplace. Our annual recurring plan revenue – which

is fully disclosed in the personalized proposal we generate for your plan – is identical regardless of which

provider is selected. We also rebate back all recurring “revenue sharing” as a credit against our annual asset

based compensation fees. This strategy lowers your costsand increases your plan returns. Where it’s

contractually possible, we will simply “carve out” all revenue sharing fees completely. Your custom plan

proposal will provide complete details and additional information that you should read carefully.

We were also the first program of our type in the country to utilize a CEFEX-

Certified 3(38) Investment Manager on a multiple employer plan of this type. The

Centre for Fiduciary Excellence (CEFEX) is an independent global assessment and

certification organization. They work closely with investment fiduciaries and

industry experts to provide comprehensive assessment programs to improve risk

management for institutional and retail investors. CEFEX certification helps

determine the trustworthiness of investment fiduciaries. This is an important

point of differentiation that you and your employees need to fully appreciate. The

annual CEFEX audit of fiduciary practices of the Investment Manager provides a

high level of confidence and protection for the plan and the participants.

Finally, we are industry leaders in terms of both experience and expertise

in these types of programs. When the U.S. Department of Labor’s ERISA Advisory

Council sought input on Outsourcing Employee Benefit Plan Services in 2014, The

Platinum 401k CEO Terrance Power was asked to provide expert testimony

before the group in Washington, D.C.

The findings of the Council have already led to several bipartisan

legislative proposals in Congress that are expected to greatly expand the

availability and benefits of these types of programs across the country.

We look forward to continuing to work with our supporters and friends in

Washington to help broaden retirement plan coverage for working Americans.



Our Clients Can Tell Our Story Better Than We Can!

“The Platinum 401k is a first class organization consisting of a great team of subject experts willing

to go the extra mile. We are extremely satisfied with their service.”

Smokey Bones Restaurants

“We have been with The Platinum 401k since 2011, and it has been a great experience!”

Dytran Instruments, Inc.

“When it comes to administering retirement plans these days, you want The Platinum 401k on

your side to help you be fully compliant with all the new 401k plan regulations.”

Lanier Upshaw, Inc.

“The Platinum 401k gives us the ability to focus on running our business rather than our

retirement plan.”

Freestyle Pools & Spas, Inc.

The Next Steps? We’re Going To Need Some Information About Your Current Plan.

We will need to gather information about your current retirement plan to help insure that the plan has

been operated in accordance with IRS and ERISA regulations. This review takes just a few days once we have

received your information. Once the plan has been approved for transfer into The Platinum 401k program, we

will jointly establish a plan design review and pre-enrollment meeting scheduling with your internal human

resources or employee benefits team members.

To join The Platinum 401k program as an adopting employer, contact your investment advisor or call us

at 800.585.7540. You can also email us at



Services, LLC. For more information on The Platinum 401k, Inc. and American Pension Services, LLC, please visit their websites at and

The information included in this summary is provided by The Platinum 401k, Inc. They are closely affiliated with American Pension

as a general guide to educate plan sponsors, but is not intended as authoritative guidance or tax or legal advice. Each plan has unique

requirements, and you should consult your attorney or tax advisor for guidance on your specific situation. Fidelis also serve as the principal ERISA

fiduciary to the plan. They are not affiliated with any other service provider in this program. For more information on Fidelis Fiduciary

Management, LLC, please visit their website at

Investment advice offered through Fidelis Fiduciary Management, LLC, A Registered Investment Advisor. This information was developed

Plan Fiduciary Services, Inc. serves as the MEP plan sponsor. They are not affiliated with any of the plan service providers.

any decisions. You may wish to engage your own legal counsel in this process. We do not provide legal or tax advice and we are not responsible for

any potential compliance issues pertaining to any current plan that you may be sponsoring or otherwise participating in. Each company associated

with the program is solely responsible for their own contractual obligations and financial condition.

Complete information on all fees and services will be provided in a formal proposal for your group. Please read it carefully before making

“The Platinum 401k” and “The Platinum logo” are service marks of The Platinum 401k, Inc. All rights reserved.

Copyright © 2015, The Platinum 401k, Inc. All Rights Reserved.



The Platinum 401k, Inc.

2451 N. McMullen Booth Road, Suite 200

Clearwater, FL 33759