4PM™-The Engine Behind 40S™

Our 4PM™ is the hub of the entire 4OS™ system. It’s how we plan, execute, and collaborate with plan sponsors, measure performance, and continuously improve efficiency while mitigating risk.

We adapt proven and cutting-edge project management frameworks to ensure your 401(k) runs like a well-built operating system—not a loose collection of tasks. Through 4PM™, you gain visibility into what we’re doing, why we’re doing it, and how each step supports your goals, your employees, and your bottom line.

4PM™ powers both major client-facing components of the 4OS™:

• Administrative: CompliancePro™ 401(k) Consulting (Administrative excellence)

• Participant-Focused: RetireReady Academy™ (Participant financial success)

Together, these components create a coordinated, proactive structure that improves plan administration and employee financial outcomes—at the same time.

Accountability You Can See

We deliver quarterly metrics showing exactly what we’ve done, where progress is being made, and how the plan is impacting your workforce. This transparency helps you meet your ERISA oversight duties and gives you proof of ongoing value.

Beyond Plan Metrics—Insights Into Workforce Dynamics

Participation rates matter, but they’re only part of the story. 4OS™ helps you understand how your 401(k) can contribute to:

• Smoother hiring processes

• Stronger employee continuity/lower turnover

• Better on-the-job employee focus and productivity

• Improved financial wellness across your team

You invested in a 401(k) to get results. 4OS™ ensures you get them—measurably.