Design your plan with
profitability in mind!


Here are five quick questions to ask yourself…

  • Do the features of our 401(k) plan compare favorably to firms you compete with for workers?
  • Should those features be competitive?
  • What are my competitors offering their employees and new hires?
  • Does anyone have access to that information?
  • Do I know the impact our 401(k) plan might be having on employee recruiting, retention and our bottom line?

At Transform401k our process examines what challenges your company may have in attracting and hiring the right candidates. To that end, we can provide knowledge of plan benefits your competitors are offering.

Retaining Employees

Is your plan designed to increase employee retention? You know turnover is expensive. We begin by asking that question, every year! And then we provide you with alternative features designed to help you hold on to your workforce.

Engaging Employees

Disengaged employees are essentially “checked out.” They’re sleepwalking through their workday and may be putting in the time, but lack passion and energy. Gallup tells us that only 32% of employees are engaged.  ( Bill Blasé, AT&T Senior Executive VP for Human Resources says companies with the most highly engaged workforces earn three times those with less*.  What is disengagement costing your company? 10%, 20% or 30% of your payroll costs? Shouldn’t your 401k plan help to empower employee engagement?

Empowering Employee Retirement

When employees can’t afford to retire, they often don’t. Employees staying on your payroll due to insufficient retirement assets can each cost an incremental $50,000 annually ( 1Delayed Departure,, June 29,2017). Do you know what your exposure is? Is your plan designed to reduce or eliminate these unnecessary surprises and costs? Our process can identify your financial exposure here to help improve your plan design features.​

Do you want to learn more?

401(k) WhyJust fill out the form below and we’ll get you a copy of Mike Romig’s book “401(k) Why,” we’ll get back to you with answers to your questions. So how can we help you?

Securities offered through LPL Financial.  Member FINRA/SIPC.  Investment advice offered through Level Four Advisory Services, LLC, a registered investment adviser.  Level Four Advisory Services, LLC and Transform401k are separate entities from LPL Financial.  The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states:  AL, FL, IL, LA, OK, TX.

This information was developed as a general guide to educate plan sponsors, but it is not intended as authoritative guidance or tax or legal advice.  Each plan has unique requirements, and you should consult your attorney or tax advisory for guidance on your specific situation.  In no way does advisor assure that, by using the information provided, plan sponsor will be in compliance with ERISA regulations.

Welcome to Transform401(k) from our Managing Partner, Mike Romig, AIF®

Why Transform401(k)

Transform401(k) is here to help you pursue improved profitability by working toward optimizing your company’s 401(k) plan. Our aim is to improve recruiting, increase retention and empower your employees to retire successfully, click here to know why

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