Fees & cost
Recordkeeping, administration, investment, and advisory fees — benchmarked against plans your size. Small differences compound into real money.
Pension Maxima Investment Advisory
Get Your Complimentary 401(k) Benchmark Review
Find out in 60 seconds if your 401(k) fees are competitive — and get a personalized plan path tailored to your company.
ERISA 3(21) FiduciaryAward-Winning25+ YearsCFP® · CFA · AIF®
1Your plan
2Your concerns
3Your details
Let's build your quick plan quote
Three quick questions — pick the closest range.
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Years in pension design
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Professional designations
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Languages spoken
3(21)
ERISA investment-advice fiduciary
Field notes from clients
What clients say.
“She is quick to respond, and I really trust her. Our employees enjoy working with her too.”
“I've used Bonnie's services for about seven years. Everything she's promised has come true — smart and knowledgeable on all types of investments.”
“Great work in an outstanding, genuine way. Her responsiveness and effective solutions made a meaningful difference for our plan.”
Clients we serve
Built for plan sponsors like you.
Why benchmark
A competitive plan comes down to three things.
In every other part of your business you set goals, assign responsibility, and track results. Your 401(k) deserves the same precision. Here's where we look first.
Where does your plan sit?
Recordkeeping, admin, investment, and advisory fees — measured against plans your size. The dashed line is the peer median.
Fiduciary process
A documented process, an Investment Policy Statement, and a clear record protect you. The legal duty rests with the fiduciary — not with you.
Plan design
The right design — match formula, auto-features, Cash Balance — drives participation, outcomes, and owner tax savings.
Optional add-ons
More ways to pressure-test your plan
Start with the benchmark review above — then dig deeper with these tools.
Pension consulting services
Why our expertise is a must-have.
Comprehensive retirement-plan solutions designed to maximize outcomes for plan sponsors and participants alike. Select a service to see what's included.
Maximize Plan Design
- Cash Balance · New Comparability
- Roth 401(k)
- Auto-enroll · escalate · sweep
- Student-loan repayment match
Key questions
Key questions every 401(k) plan sponsor should be asking.
If you have a good advisor, these are already handled. If not, there's almost certainly room to improve your plan — and lower its cost.
- 1Are forfeitures being used efficiently? (it's free money)
- 2Are terminated balances quietly raising your costs?
- 3Is your plan design maximizing owner tax savings?
- 4Are your RMD procedures current? (25% penalty if missed)
We walk through eight questions— from forfeitures and terminated balances to HSAs, student-loan matching, and Medicare transition — each with a quick answer and a way to get help. There's also a lightweight retirement-readiness calculator for your employees.
See all 8 questions2.0
Starting a new plan?
Powerful SECURE Act 2.0 tax credits for new retirement plans.
Recent legislation created valuable incentives for businesses launching a plan — startup credits, auto-enrollment credits, and employer-contribution credits. Answer a few quick questions to see what you may qualify for.
Stackable, year over year
A qualifying new plan can layer the startup credit ($5,000 per year for three years), the auto-enrollment credit, and the employer-contribution credit — meaningful savings while you build a benefit your people value.
See what your business qualifies for:
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Startup credit over 3 years (Form 8881)
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Auto-enrollment credit ($500 × 3)
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Per employee — contribution credit
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Current RMD age (rising to 75)
Your consultant
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Years advising
Bonnie Yam, 25 years in pension design.
Founder of Pension Maxima. Specialist in small and mid-sized employers across the state-mandate jurisdictions. Bonnie takes one call per client and writes every plan review herself. MBA in Finance (University of Chicago); BA in Mathematics & Economics (Smith College); speaks English, Mandarin, Cantonese, French, and Spanish.
11 professional credentials
CFPCFAAIFCLUChFCRICPEACVACMAPCEPACSLP
Financial-wellness library
Three books from Bonnie.
Practical resources participants actually read — each starts with a joke. Used in every Pension Maxima employee-education program.
Fiduciary fundamentals
A video guide for plan sponsors — education your employees will actually watch.
Short, plain-English videos and expert conversations on retirement planning, fiduciary responsibility, and plan health.
Latest updates
What's changing in the retirement-plan world.
New IRS contribution limits, SECURE Act changes, DOL enforcement updates, and market trends affecting plans — in plain English, refreshed regularly.
The next step
Stay competitive. Find clarity.
Run the quick quote, or book a plan review call with Bonnie. No card, no upsell, no obligation — just a clear read on your fees, fiduciary process, and plan design.
