Courageous Plan Design


Employers spend a lot of time, money, and energy creating retirement plans and encouraging participation, but many employees still contribute too little - or nothing at all - to their plans. Why? The reality is: no matter how a plan is designed, your default is steering employees in some direction. Is it a good one? Is it working?

Creating a successful, competitive retirement plan means having a high-impact program that drives participation and readies your people for retirement. Using Courageous Plan Design™, we strive to build a cost-effective solution that can improve plan health through:

  • Automatic enrollment
  • Higher minimum deferral rates
  • Automatic escalation features
  • Strategic employer matching programs
  • Retirement savings leakage prevention

Our retirement professionals at BHS can help you design a system that makes saving as easy as doing nothing.

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401k Consulting

Fiduciary Compliance

Investment Analysis

Successful Participant Outcomes

Provider & Cost Benchmarking

Target Date Fund Consulting

Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. BHS Financial Services and BHS Insurance are not affiliated with Kestra IS or Kestra AS.