Plan Purpose System™
Executive Discovery Workflow
Plan Purpose Audit
Understanding what this plan is designed to accomplish.
Discover
85% of business owners say their retirement plan is a major organizational goal. Less than half say it's actually working.
T. Rowe Price Retirement Plan Sponsor Study, 2024
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Tension
The average executive needs 70% income replacement. The average employee needs 85%. One plan has to serve both.
Employee Benefit Research Institute, 2023
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Consequence
When employees can't afford to retire, they don't. The average employer pays $50,000 more per year in compensation premium for every employee working past their desired retirement age.
Prudential Financial — Cost of Delayed Retirement • Principal Financial Group, 2025
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Reframe
A plan charging 20 basis points with a 40% participation rate is not cheap. It is failing.
Plan Purpose System — Reasonable Fee Rating
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Values
The most effective retirement plans don't start with a design checklist. They start with a single, unifying value.
Barrett Values Centre — Seven Levels of Organizational Consciousness
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Healthcare & Workforce Cost
For self-funded employers, every year a financially unprepared employee delays retirement adds $9,500–$11,500 in excess healthcare claims — before accounting for salary premium.
Health Care Cost Institute & West Health, 2025 • Prudential Financial, 2019
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Plan Purpose Statement
Your plan purpose statement will take shape here as you explore each card above.