Helping employees chart their course to
retirement

Our Services

Why 3(38) Investment Management?

Companies and organizations that sponsor qualified retirement plans take on many different responsibilities and liabilities. One such duty is to select and monitor the investments made available to plan participants using a prudent expert process. It has long been understood that if a plan sponsor does not have the capacity or knowledge to properly assume the role as a prudent expert, the sponsor should delegate that responsibility to a qualified organization.

As a 3(38) Investment Manager, Navigate takes full responsibility and liability for the selection and monitoring of the investments offered within the plan. Doing so fully relieves the plan sponsor of this responsibility and transfers the liability to Navigate. The sponsor's only role, in this regard, becomes monitoring Navigate as the 3(38) Investment Manager.

As a 3(38) Investment Manager, Navigate will develop the Investment Policy for the plan, will provide monitoring reports to plan sponsor representatives, and will make fund changes and additions when prudent.

Ready to Start Your Retirement Plan?

3(38) Investment Advisory Services

Investment Advisory Service Types:
Service	Included
	Core 3(38)	Platinum 3(38)
Fiduciary Governance
Assist with establishing the Plan Committee	Not Included	Included
Establish ERISA-based Investment Policy Statement (IPS)	Included	Included
Plan Committee meeting minutes following each Fiduciary Investment Review^™ (FIR) meeting	Not Included	Included
Provide ongoing fiduciary training modules for plan sponsors	Included	Included
Investment Selection
Select Core Fund menu	Included	Included
Determine & document selection of QDIA (Qualified Default Investment Alternative)	Included	Included
Determine & document selection of Target Date Funds (TDF’s)	Included	Included
Managed Account Option	Included	Included
Unitized Risk-based Portfolios	Not Included	Included
Self-Directed Brokerage Account Option	Included	Included
Investment Monitoring & Fiduciary Investment Management
Fiduciary Investment Review^™ (FIR)	Included	Included
Fee Benchmarking	Included	Included
Monitor Target Date Funds using TDF Analyzer Report	Included	Included
Participant Education
Online tools and resources	Included	Included
Web-based enrollment meeting	Included	Included
Group education meetings	Not Included	Included
One-on-One participant education (in conjunction with group education meetings)	Not Included	Included
Bi-Lingual Enrollment Support	Included	Included
Retirement Readiness Reporting	Included	Included

Participant Friendly Investment Options

Retirement plan participants vary in investing experience, knowledge and engagement. We design the investment menu to meet the needs of these different types of investors. As 3(38) Investment Manager, we screen investments from a broad universe of options and include several different fund companies and a mix of active and passive options. Investment expense is carefully considered, and we have access to a full suite of CITs to further reduce costs. We prefer non-revenue sharing, clean share classes and never receive indirect compensation for our services.

What Kind Of Investor Are You?

Do It Myself

Select from the core menu of funds, across different asset classes, as you see fit
Fund line-up selected and monitored by Navigate
Select a PCRA Brokerage account for investment options beyond the plan menu

Do It With Me

Utilize the managed account solution
Complete a short questionnaire and a customized portfolio is developed and maintained for you.^*
Utilize a risk-based portfolio
Select one of five risk-based portfolios (conservative through aggressive) that best matches your risk preference

Do It For Me

Utilize a Target Date Fund
Your age dictates your investment allocation
Automatically becomes more conservative over time

*0.10% fee for participants choosing this service