The RAM Group, Inc. is an independent broker which, through its investment option and administration partners, specializes in providing pre-tax programs to employers. Plan design, enrollment, employee education, ERISA administration, managed accounts*, and investment options and other functions are provided through The RAM Group, Inc.

After acquiring information from the employer, The RAM Group, Inc. has access to numerous product providers from which to match the parameters established by the employer with the appropriate provider. After which, The RAM Group, Inc. will provide the employer with three company options which will include a comparative analysis of costs, expenses, services, program features etc. to the employer. The RAM Group, Inc. representative can assist the employer choosing the best option which meets the employer’s goals.

Registered representatives are paid by the investment option companies chosen by the plan sponsor/employer.

Mutual Funds* with no front end or back end charges are offered. Many of these funds are purchased at Net Asset Value (NAV) for qualified retirement plans.

With our Home Office in Phoenix, Arizona, The RAM Group, Inc through it’s national broker/dealer provides local representatives and administration in all fifty states.

The answer is an unequivocal “yes”. Commissions are disclosed for 5500 filing purposes and all Investment Company and administrative service provider fees and expenses are disclosed in the comparative analysis.