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For your modern workforce.

Competitive, customized 401(k) retirement plans

A successful retirement plan can positively impact your organization’s talent acquisition, retention, and employee satisfaction. However, implementing and managing a 401(k) plan on your own can be a complex and high-risk task. Sequoia 401(k) Services is here to help. We’ve developed a streamlined process for helping you achieve a successful retirement plan that lowers your administrative burden and costs, improves results, and delights your employees. Our customized services include:

Proudly serving the most forward-thinking, employee-focused companies

If you ask our clients why they chose to partner with Sequoia, you’ll discover that our passion for service is what sets us apart.

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Retirement experts always at your service

Sequoia’s expert retirement consulting team has more than 50 years combined experience in the field, making Sequoia one of the most trusted 401(k) advisory firms in the country. We help clients select the right plan, design custom plan provisions, select and monitor an appropriate array of investments, educate employees, and fulfill fiduciary duties.

The Sequoia 401(k) promise:

Attract and retain top talent
We help you provide a competitive retirement plan designed to win in the tech world so you can attract and retain the talent you need.
Protect plan fiduciaries
We’ll give your plan fiduciaries peace of mind that they are complying with ERISA requirements.
Reduce administrative burdens and cost
Sequoia’s dedicated client service managers proactively take on tasks to reduce your administrative burden and constantly advocate on your behalf to help lower costs with plan providers.
Educate employees
Sequoia gives your employees the information and tools they need to make better financial decisions to help them successfully reach retirement. Offer this information in a format specific to their needs, including group meetings, webinars, one on one conversations, or written communications.

The Sequoia 401(k) difference:

Silicon Valley DNA
We have a strong heritage serving the needs of high tech companies in the Silicon Valley and the experts who know how to help your business thrive.
Expert consulting team
We have one of the largest dedicated 401(k) consulting teams with backgrounds in compliance, plan design, investment management, and project management.
Dedicated client service managers
We assign a dedicated service manager to each client to help facilitate day-to-day plan operations and answer plan sponsor and participant questions. This resource will also facilitate employee education meetings and an annual plan review.
Registered investment advisor representatives
Sequoia 401(k) Services has licensed advisors available to provide investment counseling to employees as needed. This team will not solicit employees or attempt to sell products in any way.

Retirement services you and your employees can trust

By partnering with Sequoia to invest in your employees’ future, you can minimize costs, ease administrative burdens, ensure fiduciary protection, and ultimately sponsor a retirement plan that delights and empowers employees. Our 401(k) services include:

Vendor Benchmarking

To help you choose the best retirement plan vendor, Sequoia partners with you to understand your organization’s unique needs. There are many factors to consider when selecting an investment and administration vendor. Sequoia’s experienced consultants will assist you through a streamlined selection process that benchmarks prospective vendors based on a number of quantitative and qualitative factors.

  • Low Fund Fees
  • Top Retirement Tools and Support
  • Ease of Administration
  • Fee Negotiations

Plan Design Direction

Sequoia’s expert team ensures your retirement plan is proactive and protective by:

  • Benchmarking industry and national trends
  • Providing industry financial expertise and best practices
  • Providing plan document guidance

Compliance & Fiduciary Guidance

Sequoia’s expert retirement consultants help you fulfill your fiduciary responsibilities using a checklist of action items that ensure you remain compliant with Section 404(c) of the Employee Retirement Income Security Act of 1974 (ERISA). This act outlines voluntary guidelines that, if followed, effectively transfer the potential liability associated with investment decision-making responsibilities from plan sponsors to employees who participate in the plan. The key requirements, which Sequoia helps you achieve, are that plan sponsors must:

  • Prudently select and monitor plan investment options
  • Provide appropriate investment choices and information enabling participants to make educated decisions
  • Document that all participants receive such information
  • Establish Formal Committee, facilitate committee meetings, and draft meeting minutes
  • Fiduciary training
  • Investment policy statement

Investment Selection & Monitoring

As part of your plan implementation, Sequoia’s experienced retirement consultants perform an initial investment screening and analysis. We work with you to establish an investment committee and Investment Policy Statement (IPS) to outline the decision process. Then, our team will continuously monitor your plan’s investments and send you our comprehensive analysis based on quantitative and qualitative criteria presented in an easy-to-understand scorecard format. Our services include:

  • Personalized investment reviews
  • Quarterly monitoring of current fund offerings
  • Recommendations to replace underperforming funds
  • Facilitation of vendor fund changes
  • Assistance with participant fund change communications
  • Alignment of company philosophy with program offering

The foundation for a successful retirement plan is the chosen investments. Sequoia makes sure you offer your employees competitive investment options and helps you build a plan with access to top tier, quality fund families, including American Funds, American Century, Franklin Templeton, Fidelity, PIMCO, Rowe Price, Invesco, AIM, Oppenheimer, and Vanguard.


Administrative & Participant Support

Throughout the implementation phase and ongoing plan administration, Sequoia’s dedicated client service managers proactively take on tasks to reduce your administrative burden. They are not afraid to dig into the details and do whatever it takes to ensure compliance, facilitate the completion of plan requirements, correct plan failures with the Department of Labor or IRS, or advocate on your behalf to negotiate lower fees with plan vendors. You will get a dedicated relationship manager and we will help you with:

  • Day to day issues
  • Compliance testing and audit support
  • Government filings
  • Required notices and disclosures
  • Project management between vendor and Plan Sponsor (employer)

Participant Support

Employee education is at the core of Sequoia’s philosophy for a successful retirement plan. The more your employees know about their retirement plan and investments, the more they will be encouraged to participate in the plan. We will help your employees understand the importance of saving towards retirement and the state of the current market, and also provide the tools to help employees make an informed decision on their investment strategy.

Sequoia’s retirement consultants establish employee education programs and customize campaigns to fit your employees’ specific needs. In addition:

  • We make ourselves available to answer participant questions by phone and email
  • We provide ongoing employee education meetings, one-on-one consultations, and resources
  • We evaluate the effectiveness of employee education on an annual basis

Pensionmark® Financial Group, LLC (“Pensionmark”) is an investment adviser registered under the Investment Advisers Act of 1940. Pensionmark is affiliated through common ownership with Pensionmark Securities, LLC (member SIPC). Pensionmark Financial Group, LLC/Pensionmark Securities, LLC and Sequoia Benefits, LLC are non-affiliated entities. This material was created for educational and informational purposes only and is not intended as individual participant investment advice. Check the background of investment professionals associated with this website on FINRA’s BrokerCheck.


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