The Makes Sense 401k: A breakthrough retirement plan that makes sense for employers and their employees.

Key Parties to The Makes Sense 401k
Fiduciary Wise Logo Plan Fiduciary & Trustee
Fiduciary Wise ("FW") is the Fiduciary & Trustee of the Makes Sense 401k plan. As Fiduciary & Trustee, FW assumes the responsibilities and liabilities of ERISA sections 3(16), 3(21), 3(38), 404(c) and 408(b). FW is responsible for identifying, analyzing and appointing the administrative, custodial and investment management service providers to the Makes Sense 401k plan. Each of these appointed service providers is described below.
Future Benefits of America Logo Plan Administrator & Recordkeeper
FutureBenefits of America ("FBA") serves as the Administrator and Recordkeeper of the Makes Sense 401k. All of the participant and employer contact with the Makes Sense 401k flows through FBA. With 24 x 7 online access for both participants and employers, FBA provides up-to-the-minute participant account and plan-level information available at the touch of button. FBA processes payroll data, tracks participant eligibility and produces both online and paper statements for participants and employers.
Mid Atlantic Trust Company Logo Plan Custodian
Mid Atlantic Trust Company ("MATC") is the Custodian for all Makes Sense 401k plan assets, and executes all trades for the plan. The Makes Sense 401k is able to offer low-cost EFTs because of MATC's industry-leading innovations, continuing a 25-year history of leadership.
Capital Management Services Logo Plan Investment Manager
Capital Management Services ("CMS") is the investment manager for the Makes Sense 401k plan. CMS is responsible for the selection of the investment choices made available to plan participants, and for the operation of the Risk Managed Portfolios. CMS is a leader in the use of low-cost ETFs, and has offered risk managed portfolios since 1986.
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