Your 401(k) Is Checking Boxes. Is It Doing Anything You Can Measure?
You're already spending real money on your retirement plan — and getting a compliance checkbox back. 401Grow redirects that existing spend into results you can point to. One principle, two paths: pick yours below.
Built by Scott Pooch — 160 retirement plans managed.
You’re Already Paying. What Are You Getting Back?
Most businesses already invest in a 401(k) and an advisor — and get compliance at best. 401Grow reallo(k)ates what you’re already spending toward outcomes your current setup has never delivered. That existing spend pulls most — and sometimes all — of the funding; it’s rarely an entirely new outlay.
Payroll
Your largest line item — and the one most affected by whether people stay.
Taxes
Written every year, but decided by choices made once and rarely revisited.
Operations
How the work actually gets done — and what it costs you when it doesn’t.
Your retirement plan
Already funded, already administered, and usually doing exactly one job.
Four line items. Four vendors. Nobody connects them. That’s the opening.
I own or run the company
Turn the plan you already pay for into lower turnover, smarter taxes, tighter operations, and a more valuable business.
20+ years working with business owners. Enter the owner path → HR, benefits & finance leadersI lead HR or finance
Retirement readiness your workforce actually reaches — funded largely by what your company already spends on the plan.
Enter the workforce path →2026 Speaking Engagements
See Where You Stand. Free Tools, No Login.
Four free tools, quickest first. Start anywhere — each one ends with your score and clear next steps. Results are immediate.
Turnover Cost
What employee turnover really costs you. Most owners underestimate by 2-3x.
CalculateReallo(k)ate ROI
See how redirecting your current plan spend can cover most of the cost.
Project ItBusiness Value Assessment
Your clearest first look at tax opportunity, turnover impact, and underperforming spend across Levers 1-3.
Take ItTransferable Value
Owner dependence, value drivers, and how close the company is to being truly transferable (Lever 4).
Take ItAbout Scott
Scott Pooch
Business Value Consultant | AI Ops & 401Grow Founder
20+ years in the 401(k) industry taught me one thing: most plans are designed for compliance, not for value creation. Business owners deserve better.
I'm an unaffiliated consultant/educator — no RIA, no broker-dealer. That means my recommendations aren't tied to product sales or asset-gathering. Investments are handled by outside 3(38) fiduciaries, so there's no conflict of interest.
I built 401Grow because I kept seeing the same gap: owners investing in retirement plans that checked boxes but missed the strategic opportunities sitting right in front of them. The Four-Lever System is how I close that gap.
Common Questions
Quick answers before you run the tools.
Is this investment, legal, or tax advice?
No. The assessments are directional and educational. Any tax or implementation step should be validated with your CPA and advisors.
Do I need to change recordkeepers?
No. The approach is strategy-first. In most cases you can keep your current recordkeeper and improve plan design and execution.
How long does this take?
The Business Value Assessment is typically 5 minutes; Transferable Value is about 7 minutes. You receive results immediately.
How much does 401Grow cost?
$3,997/year + $50 per employee. But here's what most businesses don't realize: you're already paying for a plan and probably an advisor. Reallo(k)ating that existing spend pulls most — and sometimes all — of the funding from what you already pay. There may be some added cost, but it's rarely an entirely new outlay — and the outcomes are dramatically different.