D.C. Capital Management Corporation is a Registered Investment Advisory (RIA) firm located in beautiful Orlando Florida. Our company focuses on providing plan design, implementation, management and education for company 401k plans.

Our commitment to our clients is quite simple. We focus our efforts on providing 401k plan compliance with the Department of Labor and the Internal Revenue Service which protect our clients from potential litigation while preparing their participants (i.e. the employees) for success in their retirement planning.

D.C. Capital Management Corporation has recognized that many plan providers and broker dealers sometime fail to stay within the legal guidelines and ultimately put their clients into a potential legal situation. The only issue is that both the provider and the broker dealer do not have the liability most companies have when these deficiencies in the plan come to light. In fact, most legal cases are on the burden of the company itself and the fiduciaries that oversees the plan.

Some of the categories that we highlight to help our clients stay trouble free are as follows:

  1. Costs: Probably the number one reason why companies find themselves in legal trouble for their 401(k) plan is not controlling costs associated with their company plan.
  2. Quality of the Menu Selection: Another potential liability to companies and fiduciaries of the 401(k) plan is that many plans do not provide a well diversified selection for all participants. The Department of Labor has certain guidelines that if followed will protect companies from falling into the trap of not having a viable and diversified portfolio of investments.
  3. Cross Testing: Typically, what happens in a 401(k) plan is that there are different levels of wage earners and sometimes without knowing or because of lack of education, some of the higher salaried employees and executives invest too much of their income into a 401(k) plan and this mistake may set up the company for discrimination.

As you can probably imagine, there are many other issues that companies and fiduciaries must take into consideration when designing and managing a company 401(k) plan and we at D.C. Capital Management Corporation are dedicated to helping companies overcome and maintain these potential pitfalls.

For more information or if you would like to set an appointment with one of our advisors, please call us at 407-459-7925