A strong 401(k) plan does more than help employees save for retirement. It builds trust, encourages engagement, and supports confident financial decisions over the long term. In times of transition, that foundation matters more than ever.
Trust Point, which Emerj360 is a division of, has helped hundreds of businesses create retirement plans that support both the organization and its people. When a company changes hands, employees often face major financial decisions. That’s when the personalized education and coaching delivered through Trust Point and Emerj360 make the biggest impact.
The stories below show how consistent support and longstanding relationships gave employees the clarity they needed to make informed decisions and move forward with peace of mind.
A Decade of Trust
A regional trucking company partnered with Trust Point more than a decade ago to help manage its 401(k) plan. Over time, employee education became a cornerstone of the relationship, including one-on-one meetings that gradually became part of the company’s standard process.
At first, participation in those meetings was modest, but employees quickly began to see them as supportive, judgement-free opportunities to talk about their finances. Attendance grew, and many employees returned year after year, gaining familiarity with the process and trust in the people behind it.
That trust proved critical when the company was sold and its 401(k) plan was effectively closed. Participants faced a choice: roll their balance to a new plan, cash out, or continue working with a provider they already knew. Thanks to the relationships built over the years, many chose to stay with Trust Point.
Some rolled their funds into individual retirement accounts (IRAs), becoming full-service clients with access to broader financial planning, investment guidance, and administrative support. The number of ongoing relationships and the depth of engagement far exceeded expectations. It wasn’t the result of a sales pitch; it was the result of years of steady, thoughtful guidance.
Local Service That Lasts
When a local independent insurance company was acquired by a larger firm, its 401(k)-plan transitioned to a national provider. For many longtime employees, that wasn’t the right fit.
These were individuals who had already spent years building relationships with Trust Point and Emerj360, attending education sessions, asking questions, and receiving personal guidance. They weren’t looking for a generic experience with a distant call center. They wanted a real person they knew and trusted.
As with the trucking company, many participants chose to continue working with Trust Point/Emerj360 after the transition. Some were nearing retirement and valued the chance to receive individualized service. Others appreciated the ability to pick up a phone and speak with someone local who understood their situation.
The outcome reinforced a core belief at Trust Point: service makes a difference. When education is consistent, relationships are prioritized, and every participant is treated as a person — not an account — that’s when a plan truly delivers.
The Trust Point Difference
Most 401(k) providers outsource key responsibilities to multiple vendors, such as recordkeeping, education, and plan administration. Trust Point offers a fully bundled approach. Trust Point manages every aspect of the plan in-house, including:
- Investment oversight
- Compliance and testing
- Recordkeeping
- Participant education and one-on-one support, with the help of our Emerj360 division
This means clients get a dedicated team, a single point of contact, and consistent service from a local, fiduciary partner.
Effective plans are built around people, not just processes. That’s why Trust Point takes the time to understand each organization’s workforce and tailor our approach accordingly. Our goal is to act in our clients’ best interests, delivering long-term value through consistent service, clear communication, and thoughtful partnership.
Planning That Endures
It’s easy to think of a 401(k) plan as just another workplace benefit. Done right, it becomes something more — a tool for retention, a foundation for financial well-being, and a lasting source of value, even in times of change.
The stories of these two client transitions show that when a plan is built on education and real relationships, it can have a lasting impact that goes well beyond the workplace.
Whether you’re looking to build a new plan, improve participation, or navigate a business transition, our team is here to provide steady guidance, thoughtful solutions, and a plan that grows with you.
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By: Allyson Krause, CRPP™, Managing Director of Retirement Plan Services and Brett Sebion, Financial Coach – Emerj360
