Building Competitive 401(k) Plans for a Secure Financial Future

At Trupiano & Associates, we partner with leading 401(k) providers like Vanguard, Empower, Fidelity, American Funds, Principal, and John Hancock to help businesses build competitive retirement plans. A well-structured 401(k) is essential to attracting and retaining top talent while helping employees prepare for a secure financial future.

Ongoing Fiduciary Oversight for Competitive Retirement Plans

We benchmark your plan annually to ensure fees remain competitive and performance stays strong compared to the broader marketplace. As a Certified Plan Fiduciary Advisor (CPFA), Anthony Trupiano and our team provide ongoing fiduciary oversight, monitoring plan investments quarterly, documenting annual plan reviews, and ensuring your plan meets today’s fiduciary and compliance standards.

Contact Us to Protect Your Business and Ensure Long-Term Success

Key Features:

  • Top-tier partnerships – We work with trusted providers like Vanguard, John Hancock, Empower, American Funds, Principal, and Fidelity.
  • Annual benchmarking – Your plan is compared to the market to keep fees low and performance strong, ensure your employees are not overpaying in fees.
  • Fiduciary oversight – Anthony Trupiano, CPFA, helps ensure your plan meets ERISA fiduciary standards.
  • Monthly fund monitoring – We regularly review fund performance and make recommendations.
  • Annual meeting minutes – Documentation to support plan compliance and fiduciary best practices.
  • Employee retention & morale – A strong 401(k) shows your commitment to your team’s long-term financial health.
  • Custom plan design – Tailored options to meet your company’s goals and employee demographics.

FAQs Related to 401K & Profit Sharing:

A 401(k) plan allows employees to contribute a portion of their salary to their retirement savings, often with employer matching. Profit sharing, on the other hand, is an employer contribution to the employees’ retirement accounts based on the company’s profits.

Offering both can attract and retain top talent, provide tax advantages for your business, and enhance employee satisfaction by contributing to their financial security.

Eligibility varies, but generally, employees must meet certain age and service requirements. The specifics can be customized to suit your business’s needs and goals.

For 2025, the 401(k) contribution limit for employee salary deferrals is $23,500. Individuals age 50 and over can also make an additional $7,500 in catch-up contributions, bringing their total potential contribution to $31,000. There is also a special catch-up contribution for those aged 60-63, allowing for an additional $11,250

Profit sharing contributions are tax-deductible for the business, which can reduce your company’s taxable income. This can result in significant tax savings, especially when paired with other retirement benefits.

Secure the perfect benefits plan for your growing team today

—because when you’re on the rise, coverage gaps shouldn’t hold you back.

Industries We Serve

  • Heavy Civil Construction
  • Heavy Civil Marine
  • Trenching
  • Construction Materials
  • Construction Hauling & Rigging
  • Construction Equipment
  • General Contracting
  • Mining, Cement & Aggregate
  • Construction Recycling
  • Oil & Gas
  • Trades (Plumbing, HVAC, Electrical, Welding)
  • Landscaping Design
  • Restaurant & Hospitality
  • Private Schools
  • Technology & Software
  • Legal & Accounting
  • Storage Units

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