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Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60d36690c8bed86fb0366dcc/1624991472780-EE1JJGNHQX1K74K15AWV/graphicstock-group-of-young-people-having-fun-in-park-lying-on-the-grass-and-taking-selfie_BCNBxH7n-W.jpg Services - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60d36690c8bed86fb0366dcc/1625145766427-T22B8BABI8DXILCY04CW/storyblocks-multiethnic-startup-business-team-on-meeting-in-modern-night-office-interior-brainstorming-working-on-laptop_SO8FzwIdhb.jpg Services - Make it stand out Retirement Plan Sponsors https://www.chesme.com/scheduleappointment daily 0.75 2021-06-25 https://www.chesme.com/retirement-plan-participants daily 0.75 2026-02-19 https://images.squarespace-cdn.com/content/v1/60d36690c8bed86fb0366dcc/1625154984765-FE2K8UG6BM5PW60FBBMR/graphicstock-portrait-of-happy-craftsman-with-different-tools-in-hands_HpWkfx7x4b.jpg Retirement Plan Participants https://images.squarespace-cdn.com/content/v1/60d36690c8bed86fb0366dcc/1625155049983-126WYDGC701H6ORYWAPF/marking-the-calendar_StWVNR6Nj.jpg Retirement Plan Participants https://images.squarespace-cdn.com/content/v1/60d36690c8bed86fb0366dcc/1625155261008-PN57DJL4UM3DH4NHIB21/2021-07-01_11-59-57+4x3+ar.jpg Retirement Plan Participants https://images.squarespace-cdn.com/content/v1/60d36690c8bed86fb0366dcc/1625155466087-R916466DGGXECJZ6PYPF/storyblocks-portrait-of-man-taking-cardboard-boxes-out-of-moving-van-and-passing-them-to-his-wife-in-front-of-new-house_B3-7ourJkz.jpg Retirement Plan Participants https://images.squarespace-cdn.com/content/v1/60d36690c8bed86fb0366dcc/1625155652245-77O4VPJUOMZL33JNZHHF/graphicstock-kuala-lumpur-with-stunning-light-trail-from-the-busy-highway-traffic_SdRrv3vlsl.jpg Retirement Plan Participants https://www.chesme.com/participant-appointment-calendar daily 0.75 2021-09-20 https://www.chesme.com/retirement-plan-sponsors daily 0.75 2026-02-19 https://images.squarespace-cdn.com/content/v1/60d36690c8bed86fb0366dcc/1625146695130-TPB6OFSE0P942CIFLYCV/Periodic+Table+of+Asset+Classes.JPG Retirement Plan Sponsors https://images.squarespace-cdn.com/content/v1/60d36690c8bed86fb0366dcc/1625154181802-YIQ3K9TYG1ANFWOIX135/group-of-business-people-in-a-circle-looking-down.jpg Retirement Plan Sponsors https://images.squarespace-cdn.com/content/v1/60d36690c8bed86fb0366dcc/1625154441301-7D1R9SAEEAFABIB469H5/storyblocks-making-experiment-together-in-laboratory_HvlWhJK9G.jpg Retirement Plan Sponsors https://images.squarespace-cdn.com/content/v1/60d36690c8bed86fb0366dcc/1625154687498-OJY1LDQB080SZY5B381M/graphicstock-man-using-digital-device-make-payments-online-shopping-and-icon-customer-network-connection-on-screen_H_2ewdjweje.jpg Retirement Plan Sponsors https://images.squarespace-cdn.com/content/v1/60d36690c8bed86fb0366dcc/1625154906917-KWBI4NXAZBBP4WSIZ4NY/IMG_5490-1361.jpg Retirement Plan Sponsors https://www.chesme.com/help-center daily 0.75 2021-12-06 https://images.squarespace-cdn.com/content/v1/60d36690c8bed86fb0366dcc/8e0db849-d593-403a-90d2-fae7f82dc59d/2021-11-17_9-23-01.jpg the Big Picture Modeling Tool - 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Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.chesme.com/raqs daily 0.75 2021-10-06 https://www.chesme.com/asset-map daily 0.75 2025-04-30 https://images.squarespace-cdn.com/content/v1/60d36690c8bed86fb0366dcc/e3f6fa79-ddb8-4a31-bc75-7683661321fb/Discovery+QR+Code.jpg Asset Map https://www.chesme.com/tools daily 0.75 2021-12-10 https://images.squarespace-cdn.com/content/v1/60d36690c8bed86fb0366dcc/e3f6fa79-ddb8-4a31-bc75-7683661321fb/Discovery+QR+Code.jpg Tools https://www.chesme.com/participant-tools daily 0.75 2021-12-10 https://images.squarespace-cdn.com/content/v1/60d36690c8bed86fb0366dcc/8e0db849-d593-403a-90d2-fae7f82dc59d/2021-11-17_9-23-01.jpg Tools - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60d36690c8bed86fb0366dcc/a1428b57-e4ef-4681-9f4f-ddb6c224b6b2/theBigPic+Branded+perspective.jpg Tools - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.chesme.com/case-studies daily 0.75 2021-06-29 https://www.chesme.com/case-studies/project-five-3sm3d monthly 0.5 2021-06-29 https://www.chesme.com/case-studies/project-four-b9a97 monthly 0.5 2021-06-29 https://images.squarespace-cdn.com/content/v1/60d36690c8bed86fb0366dcc/1625002191673-HWM0X4NM3T6PNDLZCTQT/group-of-business-people-in-a-circle-looking-down.jpg Case Studies - Multiple Employer Plan (MEP) with PEO - The Situation There are three types of MEPs. The first type of MEP is a retirement plan sponsored by a Professional Employer Organization (“PEO”) that is adopted by the PEO’s clients; the second is a MEP sponsored by an industry or trade group to be adopted by the group’s members; and the third is a MEP co-sponsored by the participating employers who have no relationship or connection to each other, other than participating in a common plan (the “open” MEP). The insurance agency sponsored the first type of MEP. The insurance agency and Plan Sponsor of the MEP also owned a Professional Employer Organization and processed payroll for participating employer plans. The insurance agency engaged our Firm with three goals in mind; 1) Reduce Fees 2) Reduce Liability and 3) Increase investment quality. Often insurance related solutions are utilized with MEPs and have high fees. The combination of maintaining a plan for other employer employees and high service / investment fees creates a greater level of risk in which the Plan Sponsor wanted to reduce. The Plan Sponsor engaged our Firm to evaluate the MEP fee structure and eventually assist with a new service provider and investment menu. https://images.squarespace-cdn.com/content/v1/60d36690c8bed86fb0366dcc/1625580207722-C6DHKFIJ6G96KRLIKAAT/graphicstock-hovering-drone-taking-pictures-of-snowy-white-meadow-and-forest-and-clear-blue-sky_B_VpfK2BMZ.jpg Case Studies - Multiple Employer Plan (MEP) with PEO - The Approach The MEP contained over 30 participating employers in a group annuity insurance contract with high service provider and investment fees. We evaluated the MEP fee structure and conducted a Request for Quote from several service providers. https://images.squarespace-cdn.com/content/v1/60d36690c8bed86fb0366dcc/1625580381499-X65193D3WB05PNF5EI12/graphicstock-business-document-in-touchpad-held-by-female-during-explanation_Hle7ALKexZ.jpg Case Studies - Multiple Employer Plan (MEP) with PEO - The Result A reduction in total retirement plan fees (service provider and investments) of 60%. A reduction in Plan Sponsor liability with the addition of two independent third party fiduciaries accepting fiduciary status in writing. Participants who do not make an affirmative investment selection are defaulted into the qualified default investment alternative (QDIA). The percentage of participants prior to Chesme Capital Management’s involvement was 77%. After conversion the QDIA percentage dropped to 38.1%. https://www.chesme.com/case-studies/project-three-t3hyz monthly 0.5 2021-06-29 https://www.chesme.com/case-studies/project-two-b73fs monthly 0.5 2021-06-29 https://www.chesme.com/case-studies/project-one-zfdpr monthly 0.5 2021-06-29