Outdated 401K plans cost you. Updated ones protect you.

No sales pitch. Just the facts and a clear path forward.

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5 rating • 100+ reviews

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We Believe in Transparent, Modern 401K Plans

The retirement plan space is overdue for reform. While many providers talk about "fiduciary responsibility," they rarely disclose the revenue-sharing agreements, fee overlaps, and incentive misalignment built into their products.

Our mission is simple: Expose the hidden costs. Empower better decisions.

We don’t manage assets. We manage expectations. So everyone benefits.

Independent Plan Diagnostics: We dig deep into fees vs. services rendered, advisor comp, and fiduciary gaps — so you can make decisions based on truth, not trust.

Advisor Oversight Without the Drama: Keep your current advisor if you want. We benchmark their fees and deliverables against best practices — then let the data speak in the renegotiation.

Custom Strategies, Not Cookie-Cutter Fixes: Your business, team, and goals are unique. Whether it’s a quick audit or full overhaul, we tailor the plan to your outcomes — not someone else’s template.

Hi, I’m Amir Shah

I didn’t set out to become The 401K Watchdog... The name came after 25 years onsite visits — from factories to boardrooms — serving over 15,000 employees and exposing what most advisors never mention: revenue sharing agreements (hidden fees), fee overlap (unnecessary fees), and misaligned incentives (once a year service).

I earned the title by doing what others wouldn’t — protecting the people the system was built to overlook: employers and employees alike.

Refinance Your 401K — Without Changing Providers (Unless You Want To)

Most employers are overpaying for their retirement plan — and have no documentation to back up their fees in a Department of Labor audit.

We fix that.

FREE Audit-Ready Fee Benchmarking Report

$0, No credit card required

Fulfills your annual DOL fee benchmarking requirement

Identifies all layers of cost: asset-based, flat dollar, per-head

Compares your plan to industry best-practice pricing (by plan size)

Use it to renegotiate fees yourself or confirm you're already fee optimized.

Negotiated-for-You Fee Refinance

$5,000 Flat Fee

We negotiate directly with your providers

You can keep your current advisor or explore other options

Fee-Back Guarantee: If we don’t save you at least 3x our fee, we adjust it

Zero-risk way to stop overpaying and start compounding.

Full 401K Optimization & Oversight

All-In fees are .50% to .75%

We become your dedicated 3(21) and 3(38) fiduciary advisor

Onisite and online employee engagement

Includes plan design for 401K, PSP, and CBP

Best-in-class providers, fully benchmarked with a Best Price Guarantee

Ideal if you want a clean slate, optimized plan design, and proactive service.

Not sure which option is right for you?

The 401K Watchdog Process

Sniff out the waste. Cut the fat. Protect your people.

Step 1

Get Your Free Fee Audit

We deliver an audit-ready benchmarking report that fulfills your DOL fee review requirement — and exposes exactly what you're really paying.

Step 2

Refinance for Flat Fees

DIY with the report
Let us negotiate for $5K flat — and if we don’t save you 3x or more, we adjust the fee.

Step 3

Upgrade or Optimize

Keep your provider and advisor — or let us overhaul it with better design, pricing, and ongoing fiduciary support.

Step 4

Lock in Transparent, Future-Proof Pricing

Within days, you'll receive a clear, side-by-side breakdown of your current costs vs. best-in-class pricing — across all fee layers (asset-based, flat, per-participant).

Step 5

Sleep Better at Night

You've eliminated hidden fees, fulfilled your fiduciary duty, and empowered your employees — without having to switch advisors (unless you want to).

Step 1:

Request Your Free Benchmark

We collect a few plan details (assets, fees, participant count, etc.) to generate an audit-ready benchmarking report that fulfills your Department of Labor requirement.

Step 2:

Receive Your

Audit-Ready Report

Within days, you'll receive a clear, side-by-side breakdown of your current costs vs. best-in-class pricing — across all fee layers (asset-based, flat, per-participant).

Step 3:

Choose Your

Refinance Path

DIY: Use the report to renegotiate with your provider
Done-for-You: We renegotiate for a flat $5,000 — and if we don’t save you 3x or more, we adjust the fee
Full Overhaul: Upgrade plan design, provider, and advisor with us as your 3(21) or 3(38) fiduciary

Step 4:

Lock in Transparent,

Future-Proof Pricing

Once refinanced, we certify your new setup — giving you ongoing fee oversight and participant education tools if retained.

Simple. Transparent. Audit-proof.

That’s what a real 401K Watchdog does.

Get My Free Benchmark Report

Get your FREE 401K ROI Calculator & Benchmark Report

Run your numbers through our Free ROI Calculator and instantly see how your current plan stacks up.

No obligation. Just insight.

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