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Wilmington Trust is a registered service mark used in connection with various fiduciary and non-fiduciary services offered by certain subsidiaries of M&T Bank Corporation including, but not limited to, Manufacturers & Traders Trust Company (M&T Bank), Wilmington Trust Company (WTC) operating in Delaware only, Wilmington Trust, N.A. (WTNA), Wilmington Trust Investment Advisors, Inc. (WTIA), Wilmington Funds Management Corporation (WFMC), Wilmington Trust Asset Management, LLC (WTAM), and Wilmington Trust Investment Management, LLC (WTIM). Such services include trustee, custodial, agency, investment management, and other services. International corporate and institutional services are offered through M&T Bank Corporation’s international subsidiaries. Loans, credit cards, retail and business deposits, and other business and personal banking services and products are offered by M&T Bank. Member, FDIC. 
M&T Bank Corporation’s European subsidiaries (Wilmington Trust (UK) Limited, Wilmington Trust (London) Limited, Wilmington Trust SP Services (London) Limited, Wilmington Trust SP Services (Dublin) Limited, Wilmington Trust SP Services (Frankfurt) GmbH and Wilmington Trust SAS) provide international corporate and institutional services.
WTIA, WFMC, WTAM, and WTIM are investment advisors registered with the U.S. Securities and Exchange Commission (SEC). Registration with the SEC does not imply any level of skill or training. Additional Information about WTIA, WFMC, WTAM, and WTIM is also available on the SEC's website at adviserinfo.sec.gov. 
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Corporate & Institutional

401(k) Advisory - Retirement Plan Services

An experienced retirement plan advisor can help you navigate ERISA regulatory requirements and create a plan design to improve the participant experience. Our comprehensive approach can help you satisfy fiduciary duties and reduce your administrative burden. 

The Value of a Retirement Plan Advisor Relationship

  • With the many complexities and risks associated with administering a retirement plan, plan sponsors should consider the benefits of hiring an advisor and other service providers to help fulfill the mandatory duties.
  • An advisor can help administer an employer-sponsored retirement plan in multiple ways, including:
    • Plan Design: Determining key design provisions for the plan, including safe harbor provisions and selecting plan features, such as auto enrollment, auto escalation, or Roth 401(k) options.
    • Fiduciary Governance: Providing educational materials on the plan sponsor’s core fiduciary duties and industry best practices.
    • Investment Oversight: Drafting the investment policy statement, either as a co-fiduciary or discretionary investment manager, and assisting in the selection, monitoring and replacement of the plan’s investment lineup.
    • Recordkeeper Benchmarking: Performing periodic, independent evaluations of record keeper fees, services, and capabilities.
    • Financial Wellness: Delivering content, tools, and support to employees that contribute to higher retirement plan participation rates, investment fluency, and financial wellness.

Plan Sponsor Questions for Consideration

  1. How often are you monitoring your investment fund lineup? Do you have an investment policy statement?
  2. Have you benchmarked your current plan to ensure you are in line with ERISA requirements?
  3. What are you (and your advisor) doing to educate your employees around retirement readiness?
  4. Is your plan providing the retirement outcomes you want?

Getting Support Where It Counts

Experienced professionals are available to work with businesses to assist in administering employer-sponsored retirement plans, decrease hard-dollar and soft-dollar expenses, and reduce fiduciary risk.

Wilmington Trust does not provide legal or tax advice.

Talk to one of our professionals to see how our experience can help guide your plan. 

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CIMA® - Certified Investment Management Analyst, C(k)P® - Certified 401(k) Professional, ARPC - Accredited Retirement Plan Consultant, AIF® - Accredited Investment Fiduciary, CFA® - Chartered Financial Analyst®Institute, CRPP® - Certified Retirement Plan Professional, CFP® - Certified Financial Planner, CPC - Certified Pension Consultant, QPA - Qualified Plan Advisor, QKA® - Qualified 401(k) Administrator, CEBS - Certified Employee Benefits Consultant, RPA - Retirement Plans Associate

Wilmington Trust, N.A.’s 401k Advisory Service utilizes the national database of retirement plan information from Pensionmark Financial Group LLC’s reporting system to provide retirement plan benchmarking and comparative vendor analysis to our clients and prospects. Wilmington Trust, N.A. has engaged Wilshire Associates Incorporated (“Wilshire”) to provide consulting services that support the advisory work we perform for our clients and prospects. Wilshire provides investment research and non-discretionary investment advice to Wilmington Trust to help us assess, monitor and review investment options that are available for use by our advisory retirement clients. Wilshire is neither an affiliate of Wilmington Trust, N.A. nor M&T Bank.

Wilmington Trust, N.A.’s 401k Advisory Service utilizes the national database of retirement plan information from Pensionmark Financial Group LLC’s reporting system to provide retirement plan benchmarking and comparative vendor analysis to our clients and prospects. Wilmington Trust, N.A. has engaged Wilshire Associates Incorporated (“Wilshire”) to provide consulting services that support the advisory work we perform for our clients and prospects. Wilshire provides investment research and non-discretionary investment advice to Wilmington Trust to help us assess, monitor and review investment options that are available for use by our advisory retirement clients. Wilshire is neither an affiliate of Wilmington Trust, N.A. nor M&T Bank.

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