Sponsors Home

Commitment to Service

How Service Defines Rose Financial

Service Sets Us Apart

Today, most plan sponsors recognize that investment options and plan features are largely the same across providers. Even pricing differences are becoming rare. What truly differentiates one provider from another now is service.

At Rose Financial, we know that administering qualified plans is not your core business—it’s ours. These plans involve complex rules and ongoing oversight from state and federal agencies, often creating a burden that deters small and mid-sized employers from offering such valuable benefits.

We’re here to change that. Our goal is to take as much of the operational responsibility off your plate as possible. Clients see us as their dedicated back office—focused on the day-to-day management of their plan and acting in their best interests. We don’t build processes for our convenience, and we don’t let fund families or financial consultants do so either.

In short: we’re not just a provider—we’re your partner.

How Rose Financial Defines Service

What Does “Quality Service” Really Mean?

We get it—every provider claims to offer quality service. But when we look at how that's measured, we’re often left puzzled.

A happy smile
A friendly voice
Promptly returned phone calls

These are all good things—and they absolutely matter. But let’s be honest: they’re really just common courtesy. True service goes much deeper. At Rose Financial, we believe quality service means being responsible, accountable, and empathetic—not just polite.

Ask yourself:

Does your current administrator truly respect your time and priorities?
Are you simply given materials, or are you given context, guidance, and support to meet your goals?
Do you just receive reports, or are you engaged in conversations about your plan’s performance and strategy?
Are you only informed after a compliance failure, or are you given proactive advice to help you stay ahead of issues?

We’d be happy to share how our clients answer these questions—and how we’ve helped them transform their experience.

Call us at (317) 558-8000 to start a better conversation.

Services We Offer

Plan Design

Everything worthwhile begins with a strong foundation—and your company’s retirement plan is no exception. That foundation is plan design. A strong design is built around the unique circumstances of the plan sponsor, such as:

Goals for highly compensated employees
Ease of operation
Employee demographics
Funding criteria
Company ownership structure
Affiliated companies
Employee influence
Compensation levels
And more

Too often, plans are created with the designer’s interests in mind—especially when that designer also serves as the ongoing administrator. In those cases, efficiencies, product limitations, and procedural preferences become your burden, not theirs.

At Rose Financial, we take a different approach. While we acknowledge our own operational realities, we are transparent about them. Our recommendations are rooted in practice, but the decision is always yours—based on what best serves your company’s goals.

When you partner with Rose Financial, you receive a custom-tailored solution—a retirement plan designed exclusively for your business and no one else’s.

Day-to-Day Administration

If we convince you of one thing, let it be this: Rose Financial is not your typical third-party administrator. We contract directly with you and serve as your day-to-day resource for every administrative question and transaction.

When we say day-to-day administration, we mean it. Many TPAs advertise “Annual Administration” as part of their services. The key word is annual. That means they step in once a year—collect some data, tell you if you’ve failed testing, send a report, and send a bill. The rest of the year, you and your fund provider are left to manage the plan alone.

We take a different approach. Rose Financial is engaged throughout the year. We:

Coordinate plan cash flow
Monitor transactions
Reconcile balances with your fund provider
Answer your questions in real time

Because we are involved every step of the way, we know you, your plan, and the activity that has taken place since the last year end. That knowledge makes year-end processing smoother, faster, and more accurate. In most cases, we complete year-end work within weeks of receiving your census data and contribution elections—typically wrapping everything up by the end of the first quarter.

With Rose Financial, administration isn’t an annual event. It’s an ongoing partnership.

Compliance Testing

Compliance testing is one of the most misunderstood aspects of employer-sponsored retirement plans. Many employers are familiar with ADP/ACP testing, though it’s often mistakenly referred to as “Top Heavy Testing”—which is actually a separate requirement. (Of course, we monitor that too.)

Some of the major annual IRS testing requirements we oversee on your behalf include:

401(a)
401(k)
401(m)
402(g)
404(c)
410(b)
415(c)
416(g)

And that’s just the beginning. Some tests can be addressed with the right plan design, while others require ongoing monitoring throughout the year.

At Rose Financial, we don’t just wait to tell you when you’ve failed a test. We take a proactive approach—warning you ahead of time, offering alternatives, and giving you the flexibility to adjust procedures or funding before issues arise. If you choose to move forward despite a potential failure, at least you’ll do so with full awareness of the consequences.

This proactive monitoring takes the uncertainty out of sponsoring a qualified plan and keeps you in control.

Compliance tests can feel daunting, but they shouldn’t stop you from providing a valuable retirement benefit or maximizing the plan you already have.