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    Key takeaways

    Many companies have stuck with their outdated or over priced 401(k) plans that quietly erode profits.

    One study found 80% of large companies — and 90% of small businesses — are overpaying for plan administration. They don’t realize there are better options.

    The BEW Solution: Unlock More Value From Your Retirement Plan

    At BEW, we help business owners design, implement, and manage retirement plans that unlock value for themselves, and for their teams.

    Here’s what you can expect:

    Competitive Fees. We benchmark your plan and renegotiate as needed.

    Owner Optimization. Maximize your own contributions.

    Better Plans for Employees. Increase participation, education, and engagement.

    Simplified Administration. A partner that simplifies the complex, helping you clearly understand your plan.

    Fiduciary Oversight. Transparent, unbiased advice you can count on.

    We’re hands-on partners who can help you reduce costs, minimize risk, and elevate your benefits package.

    If it’s been more than three years since you benchmarked your plan, chances are you’re leaving money on the table.

    What You Can Expect From BEW: A Hands-On Partner

    Plan Design & Optimization

    The “right” retirement plan is tailored to your company’s size, workforce, and goals. We’ll help you:

    • Choose the most tax-advantaged plan type for your business
    • Maximize contributions for owners while staying compliant
    • Evaluate Safe Harbor, profit-sharing, and cash balance options

    We’ve helped clients save tens of thousands in employer contributions just by adjusting the plan’s design to better fit their team’s structure.

    Cost Benchmarking & Vendor Selection

    We’ll benchmark your current plan against industry standards to make sure you’re getting the most cost effective and competitive solution.

    • Independent vendor selection (recordkeepers, TPAs, custodians)
    • Transparent fee reviews and renegotiation
    • Hands-on implementation and transition support

    Employee Engagement & Education

    Most retirement plans are underutilized because they’re poorly communicated. We change that.

    • Participant education sessions
    • Simplified, jargon-free materials
    • Ongoing financial wellness support
    • Tailored advice and access to real people

    Have turnover concerns? Strategic use of vesting schedules and eligibility requirements can help protect your business if employees leave early.

    Fiduciary Support

    We act as your 3(21) or 3(38) investment fiduciary, taking the burden off your plate and reducing liability.

    • Documented investment oversight
    • Ongoing menu monitoring
    • Qualified Default Investment Alternative review and guidance
    • Investment Committee support and education

    The Business Owner Advantage

    The optimal retirement plans are not only a benefit for employees but also a strategic tool for business owners.

    • Increase personal retirement contributions
    • Unlock additional tax deductions
    • Coordinate with your personal financial plan
    • Reduce administrative complexity so you can focus on growth

    In many cases, plan fees can be invoiced to the business and deducted as an expense, especially if you hold a large portion of plan assets. That means you may be getting tax benefits for services you were paying for anyway.

    Your Business Builds the Community. We’ll Help You Build a Better Retirement Plan.

    Construction companies must manage cash flow swings, rising labor costs, and crew retention — all while staying compliant. Your retirement plan doesn’t have to add to the stress.

    How We Support Construction Companies

    Plans Built for Variable Income. We design flexible retirement plans that accommodate seasonal cash flow and changing employee rosters.

    Payroll Integration. Partner with vendors that can integrate with your payroll provider, saving you time and minimizing the chance for errors.

    Owner-Focused Design. Maximize your contributions and reduce taxable income.

    Accessible Employee Education. We simplify enrollment and investment choices for field crews and office staff alike.

    Compliance Made Easy. We work with your TPA and recordkeeper to reduce the stress of running your plan.

    Why Construction Companies Choose BEW

    • Local presence in Walnut Creek — available when you need us
    • Decades of experience working with owner-operated and family-run firms
    • Personalized guidance that simplifies complex decisions
    • Retirement planning that supports both you and your team

    You build the future. We’ll help you build long-term security.

    Schedule a free consultation today