Associate Members

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Fiduciary Decisions

Fiduciary Decisions provides independent, comprehensive and informative benchmarking services to the industry’s most respected Recordkeepers, Third Party Administrators, Broker/Dealers, Fund Managers and Advisor/Consultants to help them fulfill their ERISA duties. We ensure sure the Service Providers, Plan Sponsors and Plan Participants benefit from a comprehensive analysis for determination of fee reasonableness. This means that the quality of the provider, the cost drivers and the value factors associated with supporting the plan are logically evaluated against the fees that are being paid.


Our parent company, Morningstar, Inc., was founded on the simple idea that when people have good investment information, they can make better choices that help them achieve their financial goals. As part of Morningstar Investment Management LLC, a subsidiary of Morningstar, Inc. and a registered investment adviser, our advocacy for individual investor extends to the workplace retirement market where the responsibility for investing and saving now rests with employees. Our products and services—which range from a managed accounts service to target-date products to custom models and fiduciary services—are not only designed to help people save for the retirement they want, but to help them make their money last once they get there.  For more information, visit

Retirement Plan Advisory Group

Retirement Plan Advisory Group™ (RPAG™) is an exclusive alliance of independent retirement advisors and institutions inspired to create successful outcomes by protecting plan fiduciaries and engaging plan participants. RPAG provides premier technology, systems, training and resources to 2,000 member advisors that serve over 100,000 plan sponsors and more than $1 trillion in assets (as of September 30, 2022). Core practice areas include investment due diligence, RFP and fee benchmarking, fiduciary compliance, collective investment trusts, target date funds, 3(38) fiduciary outsourcing, intensive training, sales & marketing resources and business consulting. Follow us on Linkedin , visit, or call 949-305-3859

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The Retirement Advisor Council is a d.b.a. of EACH Enterprise, LLC.
EACH Enterprise, LLC is a single-member LLC owned by Eric A. C. Henon, President
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