Fiduciary oversight is evaluated by process. Start with a self-assessment.
401k Plan Doctor provides sponsor-only fiduciary oversight tools designed to help plan sponsors understand, clarify, and own fiduciary responsibility — without fear, pressure, or sales tactics.
This is…
A 5–7 minute fiduciary process self-assessment
Focused on oversight, delegation, documentation, and clarity
Based on the Fiduciary Oversight Baseline (for Plan Sponsors)
Designed for sponsor self-reflection, not evaluation
This is not…
A compliance determination
Legal, tax, fiduciary, or investment advice
An evaluation of investment performance
A product or service pitch
Sponsors can delegate execution. They cannot outsource accountability.
Most plan sponsors rely on service providers to handle day-to-day plan functions — and rightly so. Over time, fiduciary oversight responsibilities can become informal, assumed, or misunderstood.
This site exists to help sponsors clearly distinguish:
What can be delegated
What can be delegated but must still be overseen
What cannot be delegated
Step 1 — Self-Assessment
Sponsors begin with a short self-assessment to identify which fiduciary oversight areas appear clear and which rely on assumptions.
How plan sponsors typically use this:
Step 2 — Plan Wellness Check
Some sponsors request a Plan Wellness Check to walk through fiduciary oversight responsibilities live, using a structured worksheet to clarify ownership and documentation.
Step 3 — Ongoing Ownership
Sponsors use these insights to support internal discussions, annual fiduciary training, and long-term stewardship of their responsibilities.
Monthly Fiduciary Oversight Briefing for Plan Sponsors
This standing monthly briefing addresses one of the most common sponsor misunderstandings: the difference between delegation and accountability under ERISA.
The briefing is educational, sponsor-only, and designed to clarify fiduciary responsibility — not to promote services or products.
Disclaimer:
Educational use only. No compliance determinations are made. Completing the self-assessment, attending a briefing, or requesting a Plan Wellness Check does not establish a fiduciary, advisory, or client relationship.