SOLUTIONS
Our comprehensive solutions are seamlessly connecting services to deliver on your success.
Needs Assessment and Plan Design
As defined contribution plans are becoming a significant source of retirement income, a well-designed retirement plan can help you attract and retain top talent by inspiring confidence in their future. At Full Circle, our Certified Financial Planners (CFP) and Certified Public Accountants (CPA) design solutions-based retirement programs centered on the organization and your employee needs, business environment, culture and tax benefits. Let us conduct a needs analysis, navigate the rules and design the best retirement solution that will continually evolve to deliver better outcomes and encourage greater participation.
Investment Policy Statements
Determine the Plans' specific portfolio objectives and how to achieve them. Our investment policy statements will guide you on how the portfolio is constructed and the ongoing monitoring and management efforts. It will describe the Investment Managers' strategies to meet objectives, asset class preference, suggested portfolio, risk tolerance, and liquidity requirements.
Advisory Services / Investment Portfolio Menu & Monitoring
We build effective, efficient portfolios based on our data-driven investment selection and the Modern Portfolio Theory that minimizes market risk while maximizing returns through different market cycles. Our analysis integrates past and current market trends. Under 3(21) advisory services, we also oversee your investments' performance and generate insights to enable your informed decision-making on fund menu and replacements, as you retain the fiduciary responsibility on decisions taken.
Retirement Plan Committee
As the plan sponsor of your company retirement plan, you have a fiduciary obligation to manage the plan assets and oversee the operation. We can guide you in establishing a Plan Committee to share fiduciary responsibility across a group with diverse levels of expertise and perspectives, creating the discipline and format to research and discuss plan matters, and maintaining records to help document the plan decisions. We also provide fiduciary education and training to ensure Committee members understand their responsibilities under ERISA, the terms of the plan, and the importance of a due diligence process for decision making.
Fiduciary Advisors
Have greater peace of mind by knowing that the person managing your plan must make decisions in your best interest, seeking the best prices and terms for you. We manage plan assets to minimize conflicts of interest, helping our clients achieve their unique financial goals by integrating sound judgment, objective investment advice, and excellence in personal service. In the end, we seek to live up to the trust you place in us.
ERISA 404c Assistance / Participants Education
Section 404(c) of the Employee Retirement Income Security Act (ERISA) provides a safe harbor for fiduciaries related to participants' investment actions. While the protection it provides to defined contribution plans fiduciaries is valuable, the list of requirements can be intimidating. Let us help you obtain its protection by complying with all its conditions, from offering a broad range of investment options to making it possible for participants to easily view and control their investments.
Participant Education & Guidance
We make plan participation and decision-making easy with our full range of educational tools to help participants set and reach their financial goals and enhance employee awareness and appreciation of the employer's benefits program. We strive to educate participants on saving, investing and planning for retirement, including how and when to increase savings and diversify investments. Our variety of learning methods to meet every participant's needs include face-to-face enrollment and educational group meetings, individual consultations, email updates, online webinars, videos, and print communications.
Healthcare Brokers
Finding the right health insurance coverage for your business can be a daunting process. At Full Circle, we can help answer your questions about group health coverage by giving you helpful insight about the most optimal options available to match your company with a health insurance plan that best suits your needs.
Plan Administration & Record Keeping
At Full Circle, we provide expert plan administration, recordkeeping, and custody for a broad spectrum of plans, including defined contribution such as 401k/ 1081 and Profit Sharing, defined benefit plans, and IRAs.
Actuarial & Pension Management
Our offering includes the complete suite of actuarial and consulting services for plan sponsors of all sizes with traditionally defined benefit plans, cash balance, supplemental executive retirement, and other post-retirement benefits, including retiree medical. After the actuarial valuations, we work closely with our clients to make sound managerial plan governance decisions.
Fiduciary Services
Let us reduce your burden and fiduciary liabilities as a plan sponsor. Our ERISA 3(38) fiduciary services will give you peace of mind, transparency with your investment strategy and save you time. As your investment manager, we will monitor your fund menu, perform reviews and replacements, and assume legal responsibility and liability for the decisions we make, enabling you to mitigate your fiduciary risks. Our 3(38) Fiduciary Services will provide you with the highest level of fiduciary protection under ERISA.
Healthcare Consulting
Our plan design and actuarial healthcare consulting services will give you the insights needed to make data-driven decisions and increase employee satisfaction. Full Circle analysis includes health plan costs projection, valuation of plan amendments, reserve liabilities, premium equivalent rates, and risk-adjusted pricing for multiple plan options, geographies, or populations.
MyPlanLoan
Offer your employees a unique solution to their unexpected cash needs with MyPlanLoan. This quick and easy option allows plan participant access to retirement-plan funds with flexible non-payroll-deduction repayment options. Participants manage their accounts online and choose the repayment option that suits them best, including accelerating repayment.
Payroll Processing Services
Free up your staff, resources, time, and equipment and gain more control over the payroll process. We will perform for you the full-spectrum of payroll tasks, including processing your different types of payroll paid periods, direct deposits, and printing checks. At Full Circle, we will ensure your compliance with reporting by preparing and submitting your quarterly and annual returns, preparing payroll forms 941, 943, 944, 940, W2, and W3.
Time & Attendance
Manage your time & attendance with ease by having employees clocking-in and out on a mobile device, a QR code, a computer, IVR, or biometric clock. With RENOVA Time & Attendance, you can create, publish, and manage schedules online, track time-off requests, approvals, and vacations. You will also protect your business from penalties by complying with your wage regulations and hours rules, such as overtime and meal breaks, and minimize surprise labor costs by limiting clock-in times.
HR Management System
Manage all your employee-related information and processes with a single tool, RENOVA Human Resource Management. Our feature-rich and configurable enterprise solution simplifies the execution of all your HCM strategies from organization and position control, HR case management, E-Recruitment, EEOC and OSHA administration, and assets management to time & attendance, payroll, training management, drug testing administration, and personnel actions.
Employee Self-Service
Increase your workplace satisfaction by giving employees ownership of their personal information with RENOVA Employee-Self Service (ESS), a central location to view and manage critical personal data. Our solution gives secure access to view payslips, request time off, clock in and out, update personal data and collaborate and interact with each other from any device.
Analytics
Make better business decisions with easily accessible critical insights and proactively detect workforce management issues before becoming a problem. Get instant access to key performance indicators, instant standard people analytics, demographic maps, and customized reports using RENOVA Analytics. Our solution uses RENOVA HR Management System data sources and can also use non-RENOVA sources.
Learning Management System
Create an engaging learning environment by making learning easy and intuitive. Whether you need to support your employees with induction and onboarding, compliance and reporting, leadership development or sales training, RENOVA Learning Management System (LMS) will deliver. Our basic catalog includes sexual harassment., Microsoft Office and leadership training courses. You can assemble courses easily and support them with video, audio, PDF, HTML5, weblinks, and any other web resources. Learning materials are accessible online and offline.
Needs Assessment and Plan Design
As defined contribution plans are becoming a significant source of retirement income, a well-designed retirement plan can help you attract and retain top talent by inspiring confidence in their future.
Investment Policy Statements
Determine the Plans' specific portfolio objectives and how to achieve them.
Advisory Services / Investment Portfolio Menu & Monitoring
We build effective, efficient portfolios based on our data-driven investment selection and the Modern Portfolio Theory that minimizes market risk while maximizing returns through different market cycles.
Retirement Plan Committee
As the plan sponsor of your company retirement plan, you have a fiduciary obligation to manage the plan assets and oversee the operation.
Fiduciary Advisors
Have greater peace of mind by knowing that the person managing your plan must make decisions in your best interest, seeking the best prices and terms for you.
ERISA 404c Assistance / Participants Education
Section 404(c) of the Employee Retirement Income Security Act (ERISA) provides a safe harbor for fiduciaries related to participants' investment actions.
Participant Education & Guidance
We make plan participation and decision-making easy with our full range of educational tools to help participants set and reach their financial goals and enhance employee awareness and appreciation of the employer's benefits program.
Healthcare Brokers
Finding the right health insurance coverage for your business can be a daunting process.
Plan Administration & Record Keeping
At Full Circle, we provide expert plan administration, recordkeeping, and custody for a broad spectrum of plans, including defined contribution such as 401k/ 1081 and Profit Sharing, defined benefit plans, and IRAs.
Actuarial & Pension Management
Our offering includes the complete suite of actuarial and consulting services for plan sponsors of all sizes with traditionally defined benefit plans, cash balance, supplemental executive retirement, and other post-retirement benefits, including retiree medical.
Fiduciary Services
Let us reduce your burden and fiduciary liabilities as a plan sponsor.
Healthcare Consulting
Our plan design and actuarial healthcare consulting services will give you the insights needed to make data-driven decisions and increase employee satisfaction.
MyPlanLoan
Offer your employees a unique solution to their unexpected cash needs with MyPlanLoan.
Payroll Processing Services
Free up your staff, resources, time, and equipment and gain more control over the payroll process. We will perform for you the full-spectrum of payroll tasks, including processing your different types of payroll paid periods, direct deposits, and printing checks. At Full Circle, we will ensure your compliance with reporting by preparing and submitting your quarterly and annual returns, preparing payroll forms 941, 943, 944, 940, W2, and W3.
Time & Attendance
Manage your time & attendance with ease by having employees clocking-in and out on a mobile device, a QR code, a computer, IVR, or biometric clock.
HR Management System
Manage all your employee-related information and processes with a single tool, RENOVA Human Resource Management.
Employee Self-Service
Increase your workplace satisfaction by giving employees ownership of their personal information with RENOVA Employee-Self Service (ESS), a central location to view and manage critical personal data.
Analytics
Make better business decisions with easily accessible critical insights and proactively detect workforce management issues before becoming a problem.
Learning Management System
Create an engaging learning environment by making learning easy and intuitive.