Start a 401(k) with Tax Credits
Starting a 401(k) may cost less than you think. See how federal tax credits may help offset startup costs and employer contributions.
Estimate My Tax Credits
Pension Maxima Investment Advisory
401(k) Benchmark Review
Find out in under a minute whether your plan fees are competitive — and get a personalized improvement roadmap 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
Four quick questions — pick the closest answer.
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Years in pension consulting
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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.
Is Your 401(k) Competitive?
Are you paying too much—or could your plan be better? See how your fees, investments, plan design, and fiduciary process compare.
Benchmark My PlanSave More with a Cash Balance Plan
Looking for a bigger tax deduction and more retirement savings? See how a Cash Balance Plan may allow business owners and key employees to contribute substantially more.
Explore Cash BalanceWhy 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 discipline. Here's where we look first.
Where does your plan sit?
Benchmark your fees, investments, and advisory fees — and get a personalized roadmap for a stronger plan.
Plan feesIndustry average · dashed line
- Quick results
- No obligation
- Personalized insights
Same goals. Better outcomes.
Fees & Cost
Know if your plan fees are reasonable compared to similar companies and identify opportunities to lower costs.
Fiduciary Process
A documented process, Investment Policy Statement, regular monitoring, and clear records help plan fiduciaries fulfill their responsibilities and reduce risk.
Plan Design
Review whether your plan design supports your business goals, attracts and retains talent, and maximizes retirement outcomes.
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.
Guidance today for a brighter tomorrow.
Maximize Plan Design
A plan designed around your goals.
From Cash Balance and New Comparability to Roth and auto-features, we shape the design so it serves your business, your owners, and your employees.
- 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 plan fees competitive?
- 2Are forfeitures being used effectively? (it's free money)
- 3Is your plan design aligned with your goals?
- 4Is your plan meeting fiduciary standards?
We walk through eight questions— from fees and forfeitures to fiduciary standards and employee retirement readiness — 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 questionsYour consultant
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Years advising
Bonnie Yam — Founder, Pension Maxima
Bonnie Yam has more than 25 years of experience helping employers build and maintain effective retirement plans. Her work goes beyond investment selection—she helps plan sponsors fulfill their fiduciary responsibilities by establishing and documenting a prudent fiduciary process, evaluating plan fees and investments, improving plan design, and keeping employers informed of legislative and regulatory changes.
Bonnie works directly with clients to coordinate communication among management, the TPA, recordkeeper, and employees, helping ensure that the different parties involved in the retirement plan stay informed and aligned. Through employee education and financial wellness programs, she also helps employees better understand their benefits, strengthen their financial knowledge, and make more informed financial decisions.
Her main goal is to help employers build a better retirement program while maintaining a well-documented fiduciary process and making the responsibilities of managing the plan easier to understand and carry out.
11 professional credentials
CFPCFAAIFCLUChFCRICPEACVACMAPCEPACSLP
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.
