Fiduciary 2.0.
Our 401(k) Fiduciary program for 2025. Not 2005.
We help: your employees, your HR admins, and your executives finally feel like they have a real, human guide for their 401(k). (we do 403(b)'s too!)
Welcome: we’re so glad you’re here.
401(k) Software
Get the 401(k) copilot you've been looking for.
A simple, annual compliance program
Stay compliant and documented with just one simple task each quarter, all hosted in your plan's Admin Dashboard
Save hours onboarding new team members
Simply send them your customized dashboard. We'll do a live onboarding, but this is the next best thing.
Be audit-ready at all times
All documents, reviews, and surveys get saved in your plan's Compliance Vault. Easy exports for annual audits and/or any DOL requests.
With all the benefits of a great 401(k) advisor
We select the top performing funds in each asset class and investment philosophy, with all documentation uploaded quarterly into your Compliance Vault.
We do a live onboarding with every new plan. Plus your team gets access to our jargon-free quarterly Finance 101 webinars and market wrap newsletters
We are included on every support email. We help translate 401(k) jargon into plain English and advocate on your behalf to actually get problems solved.
You have three duties as a plan sponsor:
Put the financial goals of your participants ahead of all others.
Regularly check and document that you are fulfilling your Duty of Loyalty.
Provide a diversified fund lineup to "avoid the risk of large losses."
Be a better fiduciary
The goal of our Fiduciary 2.0 program is to make it simple and efficient to follow them.
One simple HR/IC task per quarter.
Built for a-synchronous review.
Immutably documented for easy export
Because being a Plan Sponsor is getting... harder.
Rising political focus on 401(k)'s is pitting participant's interest against corporate ones.
As 401(k) scrutiny rises, so does the need for strong documentation practices.
New risks, like climate change, are emerging that can materially impact retirement portfolios.
Ready to level up your Fiduciary game?
FAQ
Frequently asked questions
How much does it cost to work with Carbon Collective as a 401k advisor?
We're pretty competitive. If you have an advisor already, our fee will be 10% less than what you're paying them. If you don't have one, come chat with us for a quote.
We also often can uncover big savings by switching recordkeepers. Our best to date was a combined 72% reduction in 401k fees.
Why doesn't my current advisor provide software like this?
We find that a lot of 401(k) advisors are surprisingly disorganized with their documentation. We've even had interest from ones looking to license this software from us.
A lot advisors look to show their value with their time. They want to spend a lot of facetime with you during investment meetings and other review sessions.
While admirable, we (and our ERISA lawyers) think such practices are unnecessary and inefficient. Both you and your advisor could be better using their time. That's why we built our Fiduciary 2.0 software. You get a streamlined 401(k) management system. We get more time back to keep improving our offering.
How many clients do we work with in our 401k program?
As of 2025, we proudly serve over 140 businesses and nonprofits as their advisor.
Why do we include our Fiduciary 2.0 Software for free?
Because when you hire us, we become a fiduciary too in your plan. If the plan is a mess, and documentation is poor, that's not just bad for you. It's bad for us too.
So we built our Fiduciary 2.0 software to make it easy, and honestly pretty fast, to built and maintain immutable records that we not only are doing regular investment reviews, but that you are regularly reviewing the plan's health and its service providers. In the event of an audit, no scrambling to collect docs. Export all records with the click of a button.
What is our investment review process?
Many advisors force their clients to sit through long investment review meetings as often as quarterly.
We, and our ERISA attorneys, think such reviews are not only boring, but a waste of time. As the plan sponsor, it's your job to hire an advisor like us, and then to document that you are undergoing sufficient oversight of that advisor. You don't need to spend 90 minutes every 90 days with your advisor to achieve that.
We have a standardized fund lineup, that is universal across our plans. For every fund we include, we track 3-5 alternates. We publish a quarterly report, including our watch list, every quarter in your HR admin hub. We also publish a quarterly performance review for your team. Then, at the end of each year, we clear the watch list, make any changes to the fund lineup, and document our rationale. You get assigned a task to review.
Our difference
01.
We're clear eyed.
We think financial security and climate health are directly linked.
02.
We're independent.
We're not owned by a big bank or Wall Street firm.
03.
We're real people.
You'll feel it the moment you meet us.