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401(K) and Retirement Plans


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Spotlight on: 401(K)

The obvious benefit of a retirement plan is that of employees having the means to create a real nest egg, but it’s a benefit to employers too. A good retirement plan can be an outstanding way to attract and retain top people—a vital strategy in a competitive marketplace. Higginbotham lets you add this important benefit without adding to your administrative load.

Higginbotham has a department dedicated exclusively to qualified retirement plans. Our brokers don’t merely dabble in retirement plans. Higginbotham has securities registered professionals on staff. And because we are independent, we can pair you with the vendor that suits your employee benefit strategy.

Our Retirement Plan Services department has the expertise to work with virtually any plan, including 401(k), Defined Benefit and 403(b). We also work with all types of vendors, such as insurance companies, mutual funds and third-party administrators.

We offer a number of employer- and employee-based services for a complete administrative solution:

  • Investment Policy Statement
  • 404(c) Compliance Guides
  • Total Cost Analysis
  • Custom Employee Education Programs
  • Fiduciary Liability

The Higginbotham Difference: We Care

Our authentic and transparent approach to employee benefits is designed to put people at the center of everything we do.

Our health and welfare insurance specialists take the time to get to know your unique needs so we present options that make sense for your group.

And we don’t stop there.

Once we help implement your plan, we deliver year-round value with our Day Two Services® that empower you with resources to educate your employees, administer your plans and maintain compliance. We’re more than your employee benefits broker, we’re an extension of our HR team.

By taking care of your employees, you can rest easy knowing they’re doing the same for your organization.

Because when you lead with values, value leads.

To learn more about how our values-based approach creates value for your organization, click here.

Or visit our Insights page to learn more about employee benefit plans.

You deserve an insurance partner with a vested interest in your success.

Designing an insurance plan that fully considers the complexity of your operation and risk exposures can be unnerving.

With our nationwide network of insurance carriers and deep financial industry experience, it doesn’t have to be.

Request a Quote Let’s Talk

Investment Policy Statement

Provides a basis for you to create the plan’s mission statement that describes the selection process of the retirement plan service provider and investment options.

404(c) Compliance Guides

Confirms the programs and outlets used for employee education, including vendor-specific items as well as outside resources. It serves as a checklist that verifies the information and education made available to your employees and helps you manage your fiduciary responsibilities.

Total Cost Analysis

Identifies the costs, including fees billed to the company and investment management fees associated with the funds themselves, enabling you to compare 401(k) products and vendors on a broad, equitable basis.

Custom Employee Education Programs

Gives your employees the information they need to make sound investment decisions for their personal finances and lifestyles. Whether large or small group, single session or series, our education methods are tailored to your employees’ interest and comprehension of asset planning.

Fiduciary Liability

Manages your IRS and DOL compliance obligations by periodically reviewing your plan to help ensure it remains current with new regulations posed by legislation such as ERISA and the Pension Protection Act.

Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS.

Higginbotham is not affiliated with Kestra IS or Kestra AS. This site is published for residents of the United States only. Registered Representatives of Kestra Investment Services, LLC and Investment Advisor Representatives of Kestra Advisory Services, LLC, may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all of the products and services referenced on this site are available in every state and through every representative or advisor listed. Neither Kestra IS or Kestra AS provides legal or tax advice. For additional information, please contact our Compliance department at 844-5-KESTRA (844-553-7872).

Not sure where to start? Talk to someone who wants to listen.

Give one of our retirement plan specialists a call today to find out what a 401(k) can do for you.

Talk to a Retirement Plan Specialist

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