QRIA

QRIA provides fiduciary investment advisory and consulting services to corporate sponsors of qualified retirement plans, including 401(k), 403(b), and defined-benefit structures. The firm designs plan investment lineups, develops investment policy statements, conducts vendor searches, and monitors ongoing plan performance under ERISA guidelines.

Yes. QRIA operates under an ERISA Section 3(38) investment-manager framework for certain engagements, meaning it accepts discretionary fiduciary responsibility for investment selection and monitoring. Plan sponsors who delegate this function to QRIA offload a significant portion of their fiduciary liability to the firm rather than retaining it at the committee level.

No. QRIA maintains an open-architecture platform and does not manufacture or distribute proprietary funds, collective investment trusts, or affiliated products. Investment menus are built from unaffiliated external managers chosen through a documented selection and monitoring process aligned with each plan's investment policy statement.

QRIA services multiple qualified-plan types, primarily 401(k) profit-sharing plans, 403(b) arrangements for tax-exempt organizations, and cash-balance or traditional defined-benefit pension plans. Plan design and service scope are customized based on sponsor size, participant demographics, and governance requirements.

Unlike record-keeper-led advisory models where fiduciary responsibility may be shared or limited, QRIA serves as a plan-level independent fiduciary for investment decisions, separating investment advice from record-keeping administration. This independence allows the firm to benchmark record-keeper pricing and service separately from investment selection and replace either component without a bundled relationship constraint.