Corporate 401(k) & Retirement Plans.
Legal Fiduciary Protection & Fee Clarity.
We partner with Ascensus—America's premier open-architecture 401(k) recordkeeper—to lower administrative drag, assume discretionary investment liability under ERISA 3(38), and deliver 1-on-1 financial advice to employees across the Denver Tech Center, Highlands Ranch, and Littleton.
The Four Greatest 401(k) Challenges Facing Colorado Plan Sponsors
Most business owners, HR directors, and CFOs along the Front Range inherit flawed legacy retirement plans that expose the firm to Department of Labor liability and overcharge employees.
Unassumed ERISA Fiduciary Risk
Under ERISA law, company officers and plan trustees are personally liable for investment lineup selections and excessive plan fees. If a legacy broker doesn't sign on as an ERISA 3(38) fiduciary, 100% of the legal burden falls on you.
Opaque Recordkeeper & Fund Fees
Many traditional plans along the Denver Tech Center and C-470 corridors hide revenue sharing, 12b-1 distribution fees, and sub-TA wrap expenses inside expensive mutual fund expense ratios (often 0.85% to 1.50%+), quietly eroding participant retirement wealth over decades.
Heavy Operational & Payroll Burden
Managing compliance testing (ADP/ACP), Form 5500 filings, distribution approvals, and manual payroll deductions drains valuable HR and executive time away from core business operations.
Impersonal Service & Participant Confusion
Employees are given a confusing list of 30+ ticker symbols with zero guidance. When they call for help, they get a distant 1-800 call center representative who cannot give personal financial advice.
Partnered With Ascensus: Institutional Recordkeeping
Yeti Wealth Management Group partners directly with Ascensus to provide institutional-grade technology, unbundled fee transparency, and seamless plan administration for employers across Denver, Highlands Ranch, and Littleton.
Access to 10,000+ mutual funds & ETFs (Vanguard, Fidelity, Dimensional, iShares, Avantis) with zero proprietary fund requirements.
Automatic 360-degree integration with ADP, Paychex, Gusto, QuickBooks, Workday, Rippling, and 200+ major payroll providers.
Flat, predictable recordkeeping fees with zero hidden revenue sharing or fund wrap markups.
Intuitive mobile and desktop participant dashboard featuring digital retirement readiness modeling and auto-enrollment.
Payroll sync, Form 5500 e-sign, compliance status, and automated participant notice distribution.
1-click allocation changes, contribution percent toggles, Roth vs. Pre-tax modeling, and beneficiary updates.
ERISA 3(38) Discretionary vs. 3(21) Co-Fiduciary Services
Select the level of fiduciary oversight and legal protection that best fits your Colorado business's governance structure.
ERISA 3(38) Discretionary Investment Manager
Yeti assumes full discretionary legal authority over the plan's investment options. We select, monitor, and replace funds without requiring plan sponsor approval for each transaction.
- ✓ Maximum Liability Offloading: Transfers primary legal responsibility for fund selection, monitoring, and replacement directly to the manager, leaving the sponsor responsible only for overseeing the manager itself.
- ✓ Streamlined Execution: The 3(38) manager independently executes fund additions, swaps, and rebalancing according to the IPS without needing prior trustee approval or signatures.
- ✓ Reduced Trustee Burden: Minimizes administrative overhead and meeting time, allowing the plan sponsor to focus on company leadership rather than micro-managing mutual funds.
- ✓ Agile Portfolio Adjustments: Enables immediate action on underperforming or problematic funds without delays caused by board or committee scheduling.
ERISA 3(21) Non-Discretionary Advisor
Under a 3(21) advisory model, the advisor provides advice and recommendations, but the plan sponsor retains ultimate legal authority and operational responsibility for implementing changes.
- ✗ Retained Legal Liability: The plan sponsor bears full and final legal accountability for every investment decision, even when following advisor recommendations.
- ✗ Heavy Administrative Overhead: Trustees must dedicate significant time to actively reviewing, debating, and documenting every recommended investment change.
- ✗ Execution Friction & Delays: Critical fund replacements can linger for weeks or months while waiting for formal committee meetings, reviews, and sign-offs.
- ✗ Operational Risk: Requires the sponsor to continuously evaluate individual underlying funds rather than simply monitoring a single investment manager's performance.
3 Flexible Investment Options for Employees
We simplify retirement planning for employees across Colorado by providing three distinct investment choices tailored to their needs and experience level.
Simplified Core Lineup
A curated menu of ultra-low-cost index funds and ETFs spanning major asset classes for hands-on investors who prefer to build and manage their own diversified portfolios.
- Low expense ratios (Vanguard, iShares, Avantis)
- Eliminates confusing 30+ fund menus
- Broad diversification across equities & bonds
Target Date Funds
Turnkey "set-it-and-forget-it" single-fund strategies aligned with an employee's targeted retirement year that automatically shift from growth to capital preservation over time.
- Automatic age-based glidepath adjustment
- Ideal for hands-off participants
- Qualified Default Investment Alternative (QDIA)
Model Allocation Funds
Professionally managed risk-based model portfolios (Conservative, Balanced, Growth, Aggressive Growth) constructed by Yeti using low-cost index funds with automated rebalancing.
- Tailored to individual risk tolerances
- Automated quarterly portfolio rebalancing
- Direct 1-on-1 guidance with Thomas Little, CFP®
What Satisfied Plan Sponsors Demand From Their 401(k) Advisor
According to the Fidelity Plan Sponsor Attitudes Survey, over 85% of highly satisfied plan sponsors report working with a dedicated specialist plan advisor who provides objective, conflict-free governance.
85%+ of satisfied sponsors state their advisor must serve as an objective resource for fee benchmarking and fund monitoring.
Sponsors value advisors who offer both in-person committee reviews across Denver and seamless virtual participant consultations.
Source: Fidelity Plan Sponsor Attitudes Survey Data & Qualified Plan Advisor Benchmarks.
Supported Retirement Plan Structures
We architect custom retirement plans engineered around your corporate tax objectives, payroll systems, and company size across Colorado.
Traditional & Roth 401(k) Plans
Standard corporate 401(k) with pre-tax and Roth contribution options, discretionary profit-sharing matches, and open-architecture index menus.
Safe Harbor 401(k) Plans
Bypass complex non-discrimination testing (ADP/ACP), allowing Denver and Littleton business owners and highly compensated employees to maximize $23,500+ pre-tax contributions annually.
Cash Balance & Pension Combos
Layered on top of a 401(k) to allow key owners, partners, and medical practitioners across the South Metro area to shelter $150,000 to $300,000+ annually in pre-tax income.
Pooled Employer Plans (PEPs)
Allows unrelated small and mid-sized employers in Colorado to band together into a single master plan, dramatically reducing administrative overhead and audit costs.
403(b) Non-Profit Solutions
Tailored retirement plan architecture for non-profit organizations, educational institutions, and healthcare providers across the Denver metropolitan area.
SEP-IRA & SIMPLE IRA Plans
Turnkey, low-overhead retirement solutions for startups, solo practitioners, and small teams in Highlands Ranch and Littleton seeking simple corporate tax deductions.
Serving Employers Across Denver, Highlands Ranch & Littleton
Corporate retirement plans require specialized local stewardship. Here is how Yeti Wealth delivers institutional fiduciary standards to employers throughout the Denver South Metro area.
Denver Tech Center Headquarters
For growing technology and commercial firms in Greenwood Village and Centennial, our ERISA 3(38) appointment transfers investment selection liability away from your leadership team, ensuring full regulatory compliance and institutional indexing.
Littleton Business Owners
For manufacturing, professional practices, and commercial businesses along Santa Fe Drive and C-470, we integrate Safe Harbor 401(k) plans with Cash Balance defined benefit plans, unlocking up to $200k+ in pre-tax deductions for owners.
Highlands Ranch Companies
For medical clinics, dental practices, and professional service teams throughout Douglas County, our Ascensus integration automates payroll deductions and eliminates manual administrative census errors while providing 1-on-1 employee consultations.
Frequently Asked Questions About Company 401(k) Plans
Clear answers regarding ERISA fiduciary roles, Ascensus recordkeeping, and plan benchmarking.
How does an ERISA 3(38) fiduciary protect Colorado business owners and plan trustees?
Under ERISA Section 3(38), Yeti Wealth Management Group acts as your discretionary investment manager, assuming full legal authority and liability for selecting, monitoring, and replacing plan investment options. This removes the legal investment burden from the company's board of directors, owners, and HR officers.
Why does Yeti Wealth partner with Ascensus for corporate 401(k) recordkeeping?
Ascensus is the leading independent, open-architecture recordkeeper in the nation. This partnership allows Denver, Highlands Ranch, and Littleton employers to access 10,000+ mutual funds and ETFs with zero proprietary requirements, while offering seamless 360-degree integration with over 200 payroll providers like ADP, Paychex, Gusto, and QuickBooks.
Can high-earning Denver and Littleton business owners contribute more than standard 401(k) limits?
Yes. By pairing a Safe Harbor 401(k) with a custom Cash Balance defined benefit pension plan, business founders, law partners, and medical practices along C-470 and DTC can shelter between $150,000 and $300,000+ annually in pre-tax corporate revenue, while providing generous benefits to employees.
Upgrade Your Corporate 401(k) Fiduciary Standard
Schedule a confidential strategy discussion with principal advisor Thomas Little, CFP® to review your plan's fee benchmark and ERISA liability exposure. Serving employers across Denver, Highlands Ranch, Littleton, and Greenwood Village.