RETIREMENT RECORDKEEPING

How we help plan sponsors

We deliver the data and insights you and your participants need to make the decisions that matter most.

By your side, no matter the challenge. 

In our recordkeeping relationships, we focus on helping to build a stronger, healthier plan—one that reflects your goals. And, we make your life easier by removing administrative burdens.

Expert fiduciary care

With creative lawsuits redefining what it means to be a fiduciary, your recordkeeper should be fully focused on plan health.

Vanguard has proven expertise in traditional fiduciary matters, from ERISA to SECURE 2.0. And we recognize that cybersecurity, hidden fees, and the rise of cryptocurrency can pose fiduciary risks. That’s why we apply a fiduciary lens to every aspect of our retirement recordkeeping services—from safeguarding assets to communicating fees to deciding which funds and asset classes to offer.

Count on us to focus on the interests of you and your employees.* 

* While we seek to put our clients' interests first, we have sought to identify potential conflicts where interests and incentives differ, and we seek to disclose such conflicts or situations to you. Like other advisors, we are incentivized to recommend our programs and services over third-party financial services solutions and products. You should consider carefully which of our services is appropriate for you and whether other products may be more suitable or appropriate. Note that Advisors are not required to recommend the lowest cost solution.

Plan design, from the experts who wrote the book on it

We study the financial behavior of nearly 5 million DC plan participants to give you insight into what drives better outcomes. For example, in 2022 autoenrolled employees saved nearly 40% more than those who voluntarily enrolled. How America Saves 2024 shows that automatic solutions are the cornerstone of strong plan design.

You can put the retirement plan expertise and data-driven insights behind How America Saves to work for your plan. As your recordkeeping partner, we’ll dedicate our research practice and analytics to helping you build a plan that’s perfectly tuned to achieve your goals. 

Flexing with your needs.   

Easier plan administration

With Vanguard, you get an administrator who is dedicated to making your job easier and less risky. One way we do this is by learning your plan—and your goals for it. We want to free up your time so you can focus less on day-to-day operations and more on making decisions that add greater value.

Flexible and innovative technology powers our plan administration. Our future-ready recordkeeping platform will:

  • Incorporate all the features of your plan—so there’s no need to use proprietary solutions or specific providers unless you want to.

  • Adapt quickly to legal and regulatory changes, so you won’t see the delays that are often a factor when using older platforms.

  • Integrate with the top companies in health savings, brokerage, and other services to deliver a comprehensive and flexible plan design.

Technology innovation with a purpose

The value of fee transparency.

Undisclosed fees create fiduciary risk, as they can cost participants more in the long run. That’s why it’s important to understand direct and indirect plan costs, and to  know the total cost of your recordkeeping services. 
There’s no guesswork at Vanguard. We use an all-in, transparent pricing approach for our recordkeeping-related services, including advice. So there are no surprises for you—or your participants—when they retire.

Comparing fees for recordkeeping and other services

Learn more about the importance of transparent recordkeeping costs.

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All investing is subject to risk, including the possible loss of the money you invest. Diversification does not ensure a profit or protect against a loss.