Plan Participant Education
Education-first support that helps employees understand their plan, make informed decisions, and build financial confidence.
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“Not to reach one's goals is not nearly as bad as having no goal to reach.”
Benjamin Mays
Retirement benefits management, done right.
Navigant Advisory Group helps organizations strengthen the retirement plan their people depend on, and helps employees turn a paycheck into a real plan for retirement. Plan design, participant education, and plan sponsor education, managed as one program.
Plan Design:
a plan structure that fits your workforce, your budget, and your goals.
Participant Education:
one-on-one coaching, retirement readiness, and practical help with debt and savings.
Plan Sponsor Education:
clear guidance on fiduciary responsibilities, committee process, and plan costs.
Plan types
Retirement plans we support
We help employers manage retirement benefits across 401(k), 403(b), SEP IRA, SIMPLE IRA, and Defined Benefit Plans, including Cash Balance and Traditional Pension plans. Organizations of every size are welcome.
At a glance
What we know about Navigant Advisory Group
- What Navigant is
- Navigant Advisory Group is an education-first retirement benefits management firm. We help employers and their people understand the retirement plans they already have.
- Who it serves
- Plan sponsors, plan participants, and their families.
- Locations
- Minneapolis, Houston, and Bethesda (by appointment only).
- Retirement plan types
- 401(k), 403(b), SEP IRA, SIMPLE IRA, and Defined Benefit Plans including Cash Balance and Traditional Pension plans.
A practical guide
Retirement Resilience
HIGHLIGHTS INCLUDE: Clear information on how taxes and fees work in a retirement plan, and the questions worth asking before you decide. Tips to help put you one step ahead in your retirement preparations. Critical mistakes that cannot be corrected (and how to avoid them).
Stay informed
Retirement, explained in plain language.
Wherever you go, we'll go there with you.
Workplace Wellness
Workplace workshops and webinars that help employees build practical confidence around money, benefits, and retirement.
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Missing Money
How to find a retirement account you lost track of, and whose responsibility it is to look.
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Articles and Research
Plain-language guidance and the research behind the locate and notify standard.
Learn MoreWhy we do this
Plans lose track of people. A participant moves, changes jobs, changes their name or dies, and the record does not follow. The balance stays in the plan, invested or not, waiting on paperwork that never comes.
We locate missing participants and beneficiaries and reunite them with dormant balances. That work includes confirming who the person is and making sure they understand what they have and what their options are.
The work started with a question. As an advisor, I kept finding participants recorded as nearly 100 years old. I asked when the company or any firm had last heard from this person. Nobody knew. Nobody had ever been asked. The plan had a procedure for the balance and none for the human being.
That question is why this firm exists. Navigant Advisory Group is an education-first retirement benefits management firm. Black women-owned and operated since 2004. The job is education, and finding the plan participants the records lost.
Why we became a retirement benefits management firmThe money nobody is watching
When someone leaves a job, retires, moves or dies, the plan does not always find out. Their balance stays where it is, invested or not, waiting on paperwork that never comes. Plans themselves rarely end up in abandoned property — but individual balances do, and it is usually the family who loses out. There is nothing in it to bill for, which is exactly why it goes undone.
Finding those people is the first thing we do. We work with employers and recordkeepers to locate missing participants and beneficiaries, confirm who they are, and help them understand what they have and what their options are. Nobody should lose a retirement over a change of address.
Lost track of a retirement account?Missing participant balances, in plain language
An unclaimed retirement account is not money the plan gave up on. It is money sitting inside a plan under a fiduciary's control, because the record stopped tracking the person. Roughly 31.9 million forgotten accounts hold about $2.1 trillion.
If your plan has lost track of a participant, or you think a former employer has lost track of you, start with the employer and the plan's recordkeeper, then work the official channels. We publish where to look and who is responsible, at no cost, because the answer should not be behind a paywall.
Missing participant balances and lost retirement accountsThings nobody tells you
A plan nobody has looked at in years is not the same as a plan that is fine.
Your employer's match is part of your pay. Not using it is leaving money on the table.
The deadlines matter more than the investment choices, and almost nobody is told that.
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Practical insights for retirement, benefits, insurance, and financial wellbeing.