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?
You already have money going into the plan. 401Grow looks at what that spend is doing for the business and reallo(k)ates it toward different outcomes. Most, sometimes all, of the funding comes from what you already spend. Some businesses need additional funding.
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 can actually work toward, 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.
Three tools, in order. Each one is about the plan you already pay for. About 10 minutes for all three.
Reallo(k)ate Calculator
See what your current plan spend could be doing for the business, and how far reallo(k)ating it could go toward the cost.
Run ItFree Plan Snapshot
A one-page read of your own plan, built from its public Form 5500 filing. What it shows, and the two or three things worth a closer look.
Ask for ItWho Pays the Plan's Fees?
What an asset-based fee takes out of participant accounts each year, who bears it, and what changes if the company pays it by check.
See ItAbout Scott
Scott Pooch
Retirement Plan Consultant and Educator | Founder, 401Grow
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 and educator, not affiliated with an RIA or broker-dealer. I'm not paid for product sales or gathering assets. Investment management stays with outside 3(38) fiduciaries.
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?
Each tool takes two to three minutes. Results show on the page.
How much does 401Grow cost?
$3,997/year + $50 per employee. You're already paying for a plan and the services around it. Most, sometimes all, of the funding comes from what you already spend. Some businesses need additional funding.