The hardest workers to replace are the ones your 401(k) is quietly letting down.
As an MA member, you have access to a vetted, group-priced retirement
plan run by Langan Financial Group — one that lowers your costs, takes
the legal risk off your shoulders, and helps the people on your floor
actually retire on time.
YOU DIDN’T SIGN UP FOR THIS PART
You took this on to run a company — not to
babysit a retirement plan.Your week is already full. You’re trying to find machinists who’ll show up. Keep the
line moving. Quote the next job. Keep good people from walking across the street
for an extra dollar an hour.
And somewhere in a drawer — or a portal you haven’t logged into in years — is a
401(k) you inherited. Contributions go in. Nobody complains. As far as you know,
it’s fine.
Here’s the uncomfortable part: “as far as you know” is exactly the problem.
WHAT MOST PLAN SPONSORS NEVER GET TOLD
If your name is on the plan, the responsibility is yours. Not your provider’s.
Most owners, CFOs, and HR directors were handed the company 401(k) with no training and no roadmap. What no one explains: the legal responsibility for how that plan is run doesn’t sit with the provider. It sits with the people whose names are on the documents.
A manufacturing CFO called us. The lawsuit had already been filed. Same provider for eleven years. Employees enrolled, money going in, nobody complaining. The attorneys still found every gap — fees well above market, investments not reviewed in years, documentation missing.
His defense was four words: “We trusted our provider.”
It wasn’t enough. And here’s what stings most — when fees run high, it’s not abstract. It’s real money pulled out of your employees’ retirement. And yours. You’re in this plan too.
If you can’t answer for every one of those areas right now, you’re not alone — and it’s not a personal failure. Most providers have no financial reason to fill the gaps. That’s not your fault. But it is your exposure. And every piece of it is fixable.
A 60 – SECOND GUT CHECK
Six questions. Answer them honestly.
Most people running a company plan can’t answer all six. That’s not a knock on you — it’s
information about your plan. Most people running a company plan can’t answer all six. That’s not a knock on you — it’s information about your plan.
Are we paying too much in fees — and would we even know if we were?
Is our advisor required by law to put employees’ interests first — or just saying so?
Could our plan survive a government audit right now, with what’s on file today?
Are our employees actually on track to retire — or enrolled and forgotten?
Do I know exactly what I’m legally responsible for — and can I prove I’ve done it?
Is this 401(k) helping us keep good people — or a checkbox nobody values?
Unsure on even one? The free Benchmark Review answers all six — in writing, in about 30 minutes.
THE LFG 401(K) OPTIMIZATION FRAMEWORK ™
Four things we fix. Most advisors only touch one.
Every part of it points at the same four outcomes: a better-run plan, less personal risk, less work on your plate, and employees with a real shot at retiring on time.
FEE FORENSICS™
Find out what you’re really paying.
We benchmark your plan against manufacturers your size
and surface every fee — including the ones your statement is
designed to hide.
CLEAR FEE PICTURE. BETTER DECISIONS.
FIDUCIARY PROTECTOR™
Get the legal risk off your shoulders.
We strengthen your governance, oversight, and
documentation so you can prove you’ve met your obligations
— not just hope you have.
BETTER DOCUMENTATION. STRONGER DEFENSE.
ENGAGEMENT ENGINE™
Turn a benefit nobody noticed into one that retains.
On-site education, one-on-one guidance, and enrollment
support that gets your people participating — and seeing the
plan as a reason to stay.
A BENEFIT EMPLOYEES ACTUALLY VALUE
AUDIT ARMOR™
Be ready before anyone comes looking.
Proactive review, plan organization, and audit-readiness so a
regulator’s letter is a formality — not a fire drill.
ORGANIZED. DOCUMENTED. PROACTIVE.
WHY THIS IS DIFFERENT FROM GOING IT ALONE
You’re not buying a plan. You’re joining one.
This is the part that only works because you’re an MA member. When manufacturers pool together, you get leverage no single company your size could get on its own — vetted by the Association and by businesses just like yours.
Group Pricing
Economies of scale across MA members
mean potential cost and service efficiencies that are difficult to achieve independently.
Vetted for You
The plan was reviewed and chosen by the
Manufacturers’ Association and the
employers in it — so you’re not the one
doing the due diligence from scratch.
Still Your Plan
Keep the design that’s working or change to
one that will. Group strength, without
forfeiting what makes your company’s plan
fit your company.
Local guidance and shop-floor service from Langan — built on the institutional backbone of Lincoln Financial.
NO COST | NO OBLIGATION | NO SALES PITCH
Your free Manufacturing 401(k) Benchmark Review.
In about 30 minutes you get a clear, written picture of where your plan actually stands. Not a pitch — a report. Here’s what it shows you:
- What your plan really costs — the true number, not the one your provider highlights
- Whether your plan is carrying any common red flags — and which kind
- How your employees’ participation and savings rates stack up
- How your fees compare to PA manufacturers your size
- Whether your plan documentation and processes reflect current best practices – and where gaps may exist
- The exact question to ask your current provider before you renew
Talk With Our Advisors
Langan Financial Group
Bob Langan
717-288-1880
bob@langanfinancial.com
Alexander Langan
717-288-1880
alex@langanfinancial.com