Our 401(k) Plans

A 401(k) is a defined contribution plan that helps people save for retirement using pre-tax payroll deductions. Flexible and customizable, employers can match employee contributions, if desired.

At CDG, an independent 3(38) investment manager serves as a fiduciary and acts in the best interests of plan participants and:

Types of Plans:

401(k)/Profit Sharing

An employee-sponsored retirement account where employees can contribute income on a pretax basis, while employers may match contributions.

Simple 401(k)

Employees contribute a portion of their salary on a pretax basis, and employers must either: Match each employee’s contribution up to 3%, or make a nonelective contribution of 2%. These limits are lower than those found in the 401(k) Profit Sharing Plan approach.

Defined Benefit Plans

An employer promises a specified pension payment, lump-sum or combination at retirement. The amount of the payment(s) are determined using an actuarial calculator, which evaluates employee earning history, tenure of service, and age. This amount is predetermined, not based on employee contributions or investment returns, and must be serviced by an actuary.

401(k) Investment Options:

Age-Based Funds

As investors approach retirement, portfolio risk is reduced by relying on a diverse portfolio of mutual funds.

Target-Risk Portfolios

These portfolios are designed for investors seeking to control risk.

Index Funds

Known for their cost-efficiency, these funds track the performance of various indexes like the S&P or the Dow Jones Industrial Average.

Actively Managed Funds

Investors can seek out potentially higher returns and complement their index fund holdings by incorporating active management funds into their portfolios.

Environmental, Social, and Governance Funds (ESG)

Fund investments are screened based on adherence to various social governance and environmental criteria.

We offer a broad selection of world-class mutual fund families*, which include:

*Funds may change based on oversight by our 3(38) investment manager.