Pension Parameters Financial Services

No. The firm operates exclusively as a non-discretionary investment fiduciary, evaluating and recommending third-party mutual funds, collective trusts, and separate-account strategies. It does not manage in-house pooled vehicles, which removes the inherent conflict of recommending proprietary products to plan-sponsor clients.

Pension Parameters works with defined contribution plans including 401(k), 403(b), and 457 plans, as well as defined benefit corporate and public pension plans. Its work spans single-employer plans and multi-employer Taft-Hartley trusts. The firm focuses on plan-level fiduciary services rather than individual participant advice.

As a registered investment adviser, Pension Parameters is compensated through plan-level advisory fees rather than through commission-based revenue sharing from fund companies. Its non-discretionary model means the firm provides investment recommendations that require plan-sponsor approval before implementation, aligning with ERISA fiduciary standards.

The firm combines quantitative factor analysis — evaluating managers on risk-adjusted returns, downside capture, and style consistency — with qualitative operational due diligence that examines firm ownership, key-person risk, and trading infrastructure. Recommendations are presented with custom benchmark comparisons and fee-level analysis that accounts for total plan cost including revenue-sharing offsets.

No. The firm is independent of any bundled service platform, recordkeeper, or broker-dealer network. This structural independence means it has no financial incentive to favor funds that pay platform-access fees or share revenue with distribution partners.