Mainstreet RIA LLC provides fiduciary services for employers and plan sponsors who want support with designing, implementing, and monitoring retirement plans. The firm also helps employers keep participants' needs first when evaluating plan decisions.

The firm focuses on helping employers lower retirement plan fees and improve plan governance. That can include reviewing the plan structure and supporting better oversight practices.

Compare them against similar plans. Mainstreet RIA LLC benchmarks recordkeeper, TPA, adviser and custodian fees against plans across the US and shows you where you stand.

A 3(21) fiduciary is an investment adviser who recommends investments for a 401(k) plan and shares fiduciary responsibility for that advice. The plan sponsor keeps the final decision on every change.

A 3(38) fiduciary is an investment manager who has discretion to select, monitor and replace a 401(k) plan's investments. The plan sponsor hands off those investment decisions instead of approving each one.

Yes, Mainstreet RIA LLC offers both 3(21) and 3(38) fiduciary support. These services are designed to help employers manage responsibilities more effectively.

No. The company is still responsible for prudently choosing and monitoring the 3(38) adviser, keeping fees reasonable and handling plan operations like timely deposits. A 3(38) does take on responsibility for the investment decisions themselves.

Yes. We gather recordkeeper quotes, compare services and fees, and help manage the transfer.

Yes, we work with plan sponsors in the St. Louis region and in other states.

Mainstreet RIA LLC uses a proprietary point awarding system to heavy weight performance and risk metrics over recent years. Funds are ranked against their peer group.