Our 401(k) Plans

Should you be concerned about your fiduciary liability?
With CDG, our service providers take that liability for you.

The CDG Difference

With CDG, our investment teams are ERISA designated 3(38) and 3(16) fidiciaries, and accept fiduciary responsibility for the plan sponsor.

Determines best plan line-up

Monitors performance & fees

Manages holdings and make changes as needed.

Our team handles the paper work. That means you avoid the headaches associated with running a retirement plan.

401(k)/Profit Sharing

An employer-sponsored retirement account where employees contribute income on a pre- or after-tax basis, while employers contribute safe harbor and may use profit-sharing when most beneficial.

Defined Benefit Plans

An employer promises a specified pension payment, a lump sum, or a combination of both, to employees at retirement. The amount of the payment(s) are determined using actuarial assumptions. Cash balanced plans are commonly combined with 401(k) plans.

401(k)/Profit Sharing Investment Options

Our investment fiduciary [ERISA Designated 3(38)] continuously monitors the mutual fund universe to select the most appropriate investments for our platform. They also make substitutions as fund performance and other metrics dictate.

In addition to Empower’s fund offerings, we currently offer the following fund groups:

We also offer a variety of investing styles and portfolio options, including:

Age-Based Funds

Minimize risk and preserve principle as retirement age approaches.

Index Funds

Track the performance of market indices like the S&P or the Dow Jones Industrial Average using these cost efficient investments.

Actively Managed Funds

Seek out potentially higher returns and complement index fund holdings using active investment management.

Environmental, Social, and Governance Funds (ESG)

Investments are screened based on adherence to various environmental, social, and governance criteria.

Target-Risk Portfolios

For investors seeking to control risk.