# FOCUS 401(k) Group

FOCUS 401(k) Group is an Asset Manager based in United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** United States
- **Region:** North America
- **Assets under management:** Undisclosed
- **Website:** focus401kgroup.com
- **LinkedIn:** https://www.linkedin.com/company/focus-401-k-group

## Regulatory record

- **CRD number:** 172217
- **SEC file number:** 801-80065
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/172217

## About

Focus 401(k) Group operates as an independent advisory firm in the retirement plan market. The firm supplies experience and expertise to 401(k) plan sponsors. It assists those sponsors in obtaining services that service providers and traditional brokers do not offer.

## Sectors

- Financial Services

## Questions

### What services does FOCUS 401(k) Group provide to plan sponsors?

FOCUS 401(k) Group operates as an independent third-party administrator (TPA) for defined-contribution retirement plans. Its core services include annual nondiscrimination testing (ADP/ACP, top-heavy, coverage), Form 5500 filing, plan document preparation and restatements, and daily recordkeeping reconciliation. The firm functions as a compliance intermediary between employers, financial advisors, recordkeepers, and the IRS/DOL regulatory framework.

### How does the firm interact with plan recordkeepers and custodians?

FOCUS 401(k) Group works on an open-architecture basis alongside major recordkeeping platforms. The firm reconciles participant account data and contribution files with the recordkeeper, processes employer contributions and allocations, and verifies that plan operations match the written plan document. This unbundled structure means the plan sponsor contracts separately with the recordkeeper, the financial advisor, and the TPA — a model that provides checks and balances across service providers.

### What is the firm's known posture regarding MERA, cash balance plans, and cross-tested profit-sharing formulas?

As an independent TPA, FOCUS 401(k) Group is positioned to support plan design strategies that go beyond basic deferral-only arrangements. Independent TPAs often guide clients through cross-tested profit-sharing allocations that allow higher contributions for owners and key employees, cash balance plan combinations in owner-only or small professional practices, and Multiple Employer Retirement Arrangements (MERAs) that consolidate administration across unrelated employers. The firm's open-architecture model allows these design recommendations to be made without pressure to use a specific recordkeeper's investment platform.

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Last updated: 2026-07-11T16:23:41.000Z

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