Defined Contribution

Defined Contribution



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To help improve plan outcomes for both participants and providers, we provide advice from plan design and investments to governance and implementation.

What We Do

To help improve plan outcomes for both participants and providers, we provide advice from plan design and investments to governance and implementation. Shaping and adjusting strategies, we help create and document solutions that can propel both people and financial performance toward excellence.

 

Why Mercer

We understand that our impact reaches beyond our clients to their employees. We recognize the pressures plan sponsors face to ensure that your fiduciary responsibilities are properly performed and documented. We have spent four decades building intellectual capital that brings you far-ranging perspectives and key insights that serve as the foundation for successful defined contribution plan management, both today and tomorrow. The talent of our people continues to earn us unrivaled access to asset managers, insurance providers, and vendors. These advantages sharpen our decision-making process — from research to implementation — and save you time and expense throughout. It’s important to note that expense savings achieved may flow directly to your participants, increasing the likelihood they achieve their financial objectives.

 

How We Make a Difference

STRATEGIC POSITIONING

We know that the strategic positioning of a defined contribution plan can deliver value beyond financial performance for both you and your participants. To achieve your strategic goals, we partner with you to design a plan that is attractive to your employees, promotes long-term workforce retention and harmonized corporate and individual objectives. We also support your internal education efforts to create an experience that drives success.

 

CLEAR OBJECTIVES

We help achieve your strategic objectives by stripping away complexity to create solutions that you can readily manage and your employees can clearly understand. Mindful that decisions in one area of plan management, such as investments or plan design, can have ripple effects on the entire plan, we bring you a holistic viewpoint supporting continuous plan improvement and vigilant risk management. We help connect your employees’ desire for a secure financial future with your goal of a high-performing workforce – to align everyone’s investments in success.

10 Steps DC Plan Sponsors Should Take In 2015


Mercer has defined ten steps that DC plan sponsors should take in 2015 to mitigate fiduciary risks and provide participants with access to solutions that meet their long-term retirement needs.

 

Learn More

 


DC Investing Guiding Principless


DC plans have become the primary source of retirement income for many workers around the world and with this trend, the focus has moved from legacy defined benefit arrangements to offering best in class defined contribution programs.

 

Learn More

 


 

/content/dam/mercer/1000x282/conceptual/img-FL000407d-1000x282.jpg

Working with you to achieve the right outcomes for you and your workforce

Achieving the Right Outcomes for You and Your Workforce

 

Members want to play an active part in planning for their retirement but need assistance in understanding the investment options available to them. Read more about how Mercer can work with you to achieve the right outcome for your defined contribution scheme

 

Mercer’s Investments business is built on a global approach to research. Mercer has developed a range of powerful and versatile software applications and web-based tools for the efficient delivery and analysis of our investment research. GIMD™ (Global Investment Manager Database): This comprehensive database is an intuitive web- and Excel-based research tool that displays a wide range of information for institutional investors on over 5,100 investment managers and over 25,000 investment strategies.

 


 

PUBLICATIONS

 

Managed Account Providers ‒ 10 Fiduciary Considerations


Managed accounts within defined contribution (DC) plans are receiving heightened regulatory scrutiny. This paper discusses 10 crucial fiduciary issues that plan sponsors should analyze when reviewing and monitoring managed account services and providers.
 

Find out more


Defined Contribution Investing Guiding Principles
 

The starting point for identifying global DC guiding principles is Mercer's fundamental investment beliefs and guiding principles. However, when applying these beliefs and principles to DC investing, they need to be viewed through a "DC lens".
 

Find out more


The role of customization in DC plans - Liana Magner U.S. Delegated DC Leader

 

 

Custom funds are really growing in popularity in DC Plans, particularly for larger plans. I would say with assets over $500million and most common for plans with assets over $1bn, there are two general categories of custom funds. One would be a custom white labeled individual investment option, and then there are custom target date funds.

 

Watch now

 

/content/dam/mercer/1000x282/conceptual/img-FL000407d-1000x282.jpg

Customizing DC plans that best work for you

Establishing a successful retirement income plan is a challenge for employers dealing with a myriad of other demands on their resources, yet employees and businesses can benefit from implementing a robust strategy.

 

Mercer is committed to improving your beneficiaries’ retirement. In markets filled with point solutions, employers seeking to develop a retirement income strategy need to partner with trusteed partner with knowledge of the whole market. With strength and depth across all consulting disciplines that impact retirement income strategies, we are a capable guide.

 

We have unrivalled access to and long-established business relationships with asset managers, insurance providers, and vendors. Our buying power often allows us to negotiate better-than-market prices. We are unique in offering a partnership approach, working with employers to weave the many important elements of retirement income planning to design the most appropriate strategy. To this end, we have created a straightforward consulting process that simplifies the design and implementation of a retirement income strategy for our clients.

 

 

Mercer works with sponsors to determine the strategic positioning of the DC plan and its harmonization with broader workforce management objectives and considerations. DC plans can be structured to attract a particular employee profile, assist in long-term retention or align corporate and individual objectives. Mercer can assist in assessing competitiveness and benefit adequacy, and in helping to design plans that meet the needs of both the company and plan members.

2014 GLOBAL INVESTMENT FORUMS

 

 

 

Entering the upswing? Charting a course for investment succcess

 

Find out more

/content/dam/mercer/1000x282/conceptual/img-FL000407d-1000x282.jpg

Achieving the right outcomes for you and your workforce

Members want to play an active part in planning for their retirement but need help understanding and selecting the investment options available to them.

 

We can facilitate this with Mercer risk-profiled funds and Mercer asset-class funds. Members also need a strong governance framework around the funds available to them, so we will monitor the funds as part of our ongoing investment governance.

 

Read This Snapshot of a Case Study

 

Situation

A US-headquartered multinational with DC plans in 23 countries and investment choices in 10 countries had trouble getting the ex-US plan schemes to meet to discuss investment and governance issues — particularly the desire to change fiduciary responsibilities for manager selection and termination, if possible, and investment structure decisions. Mercer was brought in to initiate and implement manager replacements, as well as add funds or investment options.

 

The ex-US plans were too small from an asset perspective to use multi-manager “white label” investment options and the local providers would probably have operational barriers to such arrangements. 

 

Benefits

  • Clear governance with strategic benefits and investments advice.
  • Transparency with integrated headquarters reporting and risk dashboards across all DC plans.
  • Potential for higher-quality investment options and better alignment with workforce management goals.
  • Potential fee and cost savings despite different local suppliers.

CONTACT OUR SPECIALISTS*Required


ABOUT US

To help improve plan outcomes for both participants and providers, we provide advice from plan design and investments to governance and implementation.

What We Do

To help improve plan outcomes for both participants and providers, we provide advice from plan design and investments to governance and implementation. Shaping and adjusting strategies, we help create and document solutions that can propel both people and financial performance toward excellence.

 

Why Mercer

We understand that our impact reaches beyond our clients to their employees. We recognize the pressures plan sponsors face to ensure that your fiduciary responsibilities are properly performed and documented. We have spent four decades building intellectual capital that brings you far-ranging perspectives and key insights that serve as the foundation for successful defined contribution plan management, both today and tomorrow. The talent of our people continues to earn us unrivaled access to asset managers, insurance providers, and vendors. These advantages sharpen our decision-making process — from research to implementation — and save you time and expense throughout. It’s important to note that expense savings achieved may flow directly to your participants, increasing the likelihood they achieve their financial objectives.

 

How We Make a Difference

STRATEGIC POSITIONING

We know that the strategic positioning of a defined contribution plan can deliver value beyond financial performance for both you and your participants. To achieve your strategic goals, we partner with you to design a plan that is attractive to your employees, promotes long-term workforce retention and harmonized corporate and individual objectives. We also support your internal education efforts to create an experience that drives success.

 

CLEAR OBJECTIVES

We help achieve your strategic objectives by stripping away complexity to create solutions that you can readily manage and your employees can clearly understand. Mindful that decisions in one area of plan management, such as investments or plan design, can have ripple effects on the entire plan, we bring you a holistic viewpoint supporting continuous plan improvement and vigilant risk management. We help connect your employees’ desire for a secure financial future with your goal of a high-performing workforce – to align everyone’s investments in success.

10 Steps DC Plan Sponsors Should Take In 2015


Mercer has defined ten steps that DC plan sponsors should take in 2015 to mitigate fiduciary risks and provide participants with access to solutions that meet their long-term retirement needs.

 

Learn More

 


DC Investing Guiding Principless


DC plans have become the primary source of retirement income for many workers around the world and with this trend, the focus has moved from legacy defined benefit arrangements to offering best in class defined contribution programs.

 

Learn More

 


 

RESEARCH

Working with you to achieve the right outcomes for you and your workforce

Achieving the Right Outcomes for You and Your Workforce

 

Members want to play an active part in planning for their retirement but need assistance in understanding the investment options available to them. Read more about how Mercer can work with you to achieve the right outcome for your defined contribution scheme

 

Mercer’s Investments business is built on a global approach to research. Mercer has developed a range of powerful and versatile software applications and web-based tools for the efficient delivery and analysis of our investment research. GIMD™ (Global Investment Manager Database): This comprehensive database is an intuitive web- and Excel-based research tool that displays a wide range of information for institutional investors on over 5,100 investment managers and over 25,000 investment strategies.

 


 

PUBLICATIONS

 

Managed Account Providers ‒ 10 Fiduciary Considerations


Managed accounts within defined contribution (DC) plans are receiving heightened regulatory scrutiny. This paper discusses 10 crucial fiduciary issues that plan sponsors should analyze when reviewing and monitoring managed account services and providers.
 

Find out more


Defined Contribution Investing Guiding Principles
 

The starting point for identifying global DC guiding principles is Mercer's fundamental investment beliefs and guiding principles. However, when applying these beliefs and principles to DC investing, they need to be viewed through a "DC lens".
 

Find out more


The role of customization in DC plans - Liana Magner U.S. Delegated DC Leader

 

 

Custom funds are really growing in popularity in DC Plans, particularly for larger plans. I would say with assets over $500million and most common for plans with assets over $1bn, there are two general categories of custom funds. One would be a custom white labeled individual investment option, and then there are custom target date funds.

 

Watch now

 

ADVICE

Customizing DC plans that best work for you

Establishing a successful retirement income plan is a challenge for employers dealing with a myriad of other demands on their resources, yet employees and businesses can benefit from implementing a robust strategy.

 

Mercer is committed to improving your beneficiaries’ retirement. In markets filled with point solutions, employers seeking to develop a retirement income strategy need to partner with trusteed partner with knowledge of the whole market. With strength and depth across all consulting disciplines that impact retirement income strategies, we are a capable guide.

 

We have unrivalled access to and long-established business relationships with asset managers, insurance providers, and vendors. Our buying power often allows us to negotiate better-than-market prices. We are unique in offering a partnership approach, working with employers to weave the many important elements of retirement income planning to design the most appropriate strategy. To this end, we have created a straightforward consulting process that simplifies the design and implementation of a retirement income strategy for our clients.

 

 

Mercer works with sponsors to determine the strategic positioning of the DC plan and its harmonization with broader workforce management objectives and considerations. DC plans can be structured to attract a particular employee profile, assist in long-term retention or align corporate and individual objectives. Mercer can assist in assessing competitiveness and benefit adequacy, and in helping to design plans that meet the needs of both the company and plan members.

2014 GLOBAL INVESTMENT FORUMS

 

 

 

Entering the upswing? Charting a course for investment succcess

 

Find out more

IMPLEMENTATION

Achieving the right outcomes for you and your workforce

Members want to play an active part in planning for their retirement but need help understanding and selecting the investment options available to them.

 

We can facilitate this with Mercer risk-profiled funds and Mercer asset-class funds. Members also need a strong governance framework around the funds available to them, so we will monitor the funds as part of our ongoing investment governance.

 

Read This Snapshot of a Case Study

 

Situation

A US-headquartered multinational with DC plans in 23 countries and investment choices in 10 countries had trouble getting the ex-US plan schemes to meet to discuss investment and governance issues — particularly the desire to change fiduciary responsibilities for manager selection and termination, if possible, and investment structure decisions. Mercer was brought in to initiate and implement manager replacements, as well as add funds or investment options.

 

The ex-US plans were too small from an asset perspective to use multi-manager “white label” investment options and the local providers would probably have operational barriers to such arrangements. 

 

Benefits

  • Clear governance with strategic benefits and investments advice.
  • Transparency with integrated headquarters reporting and risk dashboards across all DC plans.
  • Potential for higher-quality investment options and better alignment with workforce management goals.
  • Potential fee and cost savings despite different local suppliers.

CONTACT OUR TEAM

Recent Activities

Mercer

Defined Contribution: Top Ten Priorities for 2015

Ten 2015 steps DC plan sponsors should take to mitigate fiduciary risks and give participants with access to solutions that meet long-term retirement needs.  Learn More

Mercer

Managed Account Providers ‒ 10 Fiduciary Considerations ‒ Mercer

Ten crucial fiduciary issues that plan sponsors should analyze when reviewing and monitoring managed account services and providers.  Learn More

Mercer

The Mercer and Stanford Center on Longevity Article Series

Mercer is proud to present a brand new series of articles on the subject of Retirement Income Adequacy.  Learn More