DWP provides independent guidance, compliance review, and structural support for plan sponsors exploring this emerging area. We work with you from evaluation through implementation to help ensure fiduciary alignment and operational control.

Our process includes reviewing existing investment menus and brokerage features, assessing whether limited digital asset exposure aligns with plan objectives, working with recordkeepers and custodians to design compliant structures, identifying custody and volatility risks, and preparing participant materials focused on transparency and informed decision-making.

Many employers want to respond to employee interest in digital assets but lack the internal resources to navigate fiduciary and regulatory complexities.

DWP helps plan sponsors understand the Department of Labor’s current position on crypto in retirement plans, establish a clear fiduciary process for evaluating digital asset options, coordinate with vendors that meet custody and reporting standards, develop policies limiting exposure and participant eligibility, and maintain documentation that supports prudence and compliance.

Every engagement focuses on clarity, documentation, and participant protection. We don’t promote crypto investments. We help sponsors understand the risks, regulatory expectations, and best practices before making any decision.

When digital assets are introduced, DWP typically helps sponsors design access through a self-directed brokerage window inside the existing 401(k) plan.

This structure can allow participants to allocate a limited portion of savings—often capped between 5–10%—to approved digital assets, while employers maintain full control over plan oversight and tax advantages. Core investment options remain unchanged.

DWP guides sponsors through vendor due diligence, operational setup, and fiduciary documentation to help ensure the structure meets ERISA standards.