Together, we can improve America's 401(k) plans

Most employer-sponsored retirement plans unknowingly break the rules

A Retirement Plan Fiduciary

Whether you’re a plan sponsor, a broker/dealer or an advisor, we can help you manage and improve your retirement plan offerings. Or, in technical terms, we are an unaffiliated, ERISA-defined independent fiduciary to 401(k) and other defined contribution plans.
What that means is this: we know ERISA, the Department of Labor and IRS regulations inside and out. That includes both the spirit and the letter of these rules. As an independent fiduciary, we can:
With us on your side, you can count on lower fees and lower risk for both you and your participants.

Our Team: Unmatched Skill

You won’t find a team of professionals with such a diverse set of expertise anywhere else. Our knowledge spans:

Investments

Compliance

ERISA

We’ve used that expertise to create our PlanAnalyzer – a patented review process to help your retirement plan stay compliant.

We put our skill to work for you. As a fiduciary, you always come first. Whether you’re a business owner, HR rep, RIA or broker/dealer, we always start with your needs and the needs of the people you work with.

Take a Closer Look at Our Solutions

Proudly Independent

Providing Unbiased, Fee-Only Consulting Services

You Need an Industry Professional

You Can Count On

Let Us Work With You

To Provide the Best Options for Your Business

Anyone who has set up or managed a defined contribution plan knows the details are expansive. You’re likely to encounter fine print from more than one federal agency as you navigate the equally complex process of selecting investments and administering the plan.

We can help. We work strategically to help you provide the best options for your employees and/or your clients, and we educate you about the process along the way.

If you are a…

Business Owner & Plan Sponsor

Take fiduciary work off of your plate and limit your liability under ERISA. We put our years of expertise in legal and tax codes, regulations and investing to work for you and your plan’s participants.

ERISA
Auditor

Our ERISA due diligence review is led by IRS Enrolled Agents and CPAs. The system they created — known as the P3 program (Pay, Performance and Parity) — ensures your clients’ plans remain fully ERISA compliant.

Broker &
Advisor

As a fiduciary consulting firm, we help you build and administer compliant retirement plans so you can smartly grow your retirement business.

Patented Tools

Designed With You in Mind

In order to further enhance our services, we’ve developed the PlanAnalyzer – a tool that properly evaluates your performance and that of your retirement plan. Learn more about its capabilities.

Committed to Helping You Improve Your Long-Term Success

The key to our relationship begins with getting to know you and the goals you have in mind for yourself and your business. We want to ensure that we match you with the right solutions while making sure that everything remains compliant. In order to do so, you’ll meet with our team to develop a deeper understanding of how we can design a solution just for you.

MillenniuM Investment & Retirement Advisors, LLC

PlanAnalyzer

Take an In-Depth Look

At Your Retirement Plan’s Performance

Similar to an annual physical you’d receive from your doctor, our PlanAnalyzer is an investment evaluation tool that takes a deep dive into the performance of your retirement plan. By evaluating the effectiveness of investment committees, investment advisors and the prudence of plan investments relative to IRS and DOL rules, trust law, etc. we’re able to further assist you in building a successful retirement for you and your employees.


There are many benchmarking and plan review tools available in the marketplace, but most are simply an x-ray or MRI of an isolated area of a plan. PlanAnalyzer, however, is a full-body scan that roots out the problems that cause plan fiduciaries to find themselves in the crosshairs of litigators and regulators.

-James Holland
Director of Business Development

What Can PlanAnalyzer Do for You?

This tool can assess whether your investments add value based on key performance indicators in the past 6-year statute of limitations period. We believe this timeframe is a good indicator of changes in the market and how your portfolio will continue to react based on past performance.

Given the sharp increase in retirement plan litigation and Labor Department investigations, business owners and other plan fiduciaries now have an independent assessment tool that checks:

We Credit Our Clients

For Envisioning This Path

The individuals we work with continually challenge us as a firm and as a team. Their tough questions encourage us to prove our assertions are grounded in regulations. For years, we’ve searched for a tool to help us work seamlessly with our clients and better address their concerns but finding none, we set out to develop one. PlanAnalyzer further empowers us to remain diligent fiduciaries and always serve our clients to the best of our ability.

Discover How PlanAnalyzer Can Help

Remain Informed of

Industry News & Trends

September 11, 2024

September 4, 2024

401k/IRA Review August 20, 2021

Ready to Get Started?

Proudly Serving Clients Nationwide

Let’s Get Started

With looming questions regarding your retirement plan, there’s no better time to begin than now. Give us a call, schedule a meeting or use the submission form below to contact us.

For billing matters, please contact PlanFees@MIRAcenter.com

MAILING ADDRESS

CONTACT

Business Owners & Plan Sponsors

We serve as an independent fiduciary. This takes fiduciary work off of your plate and limits your liability under ERISA. And since we’re a fee-only firm, we can offer unconflicted advice, which makes complying with new, stricter regulations easy.
Not only does our status as a fee-only fiduciary prevent us from making conflicted or self-serving advice, we can also help you find hidden conflicts that might exist in your arrangements with plan vendors — even if those conflicts aren’t disclosed.
We put our years of expertise in legal and tax codes, regulations and investing to work for you and your plan’s participants. It’s a full-service, multi-faceted approach you can count on.

ERISA Auditors

Our ERISA due diligence review is led by IRS Enrolled Agents and CPAs. The system they created — known as the P3 program (Pay, Performance and Parity) — ensures your clients’ plans remain fully ERISA compliant.

Do you find yourself wondering:

The answers to those questions are: no, but it can help you differentiate your business; our plan analyzer can give you a road map; the documentation you get from our plan analyzer helps you cover your bases. In addition to the plan analyzer, our services include:

Brokers & Advisors

We are a fiduciary consulting firm that can help you build and administer compliant retirement plans.

For Brokers:

It’s important to realize that your firm is on the hook for any actions your representatives take when it comes to ERISA. So we developed an assessment program to help you better supervise your reps while they work on retirement plans. This not only helps you protect the firm, it also helps your reps compete more effectively for new business.

For Advisors:

Building an ERISA practice, especially nowadays, is both a contact and a team sport. We work with you on both your offense and your defense, so you can build up your defined-contribution plan offerings and increase the value you bring to your clients.