For employers exploring self-directed brokerage options

Does Your 401(k) Plan Offer a Self-Directed Brokerage Account?

Bison can help you understand whether eligible employees may have access to a Self-Directed Brokerage Account, or SDBA, within the existing plan. If available, Bison works directly with participating employees through its advisory program.

SERVING EMPLOYEES AT

An SDBA May Give Eligible Employees More Choice Within Their Existing Plan.

If the plan offers a Self-Directed Brokerage Account, eligible employees may be able to work directly with Bison while keeping their retirement assets within the existing employer-sponsored plan.

+3.32% or more additional annual performance

Compared to self-managed 401(k) accounts.*

No rollovers or transfers

Employees stay in their existing 401(k) plan that you provide.

Get started in minutes

Quick and easy setup - and we can help every step of the way.

HOW IT WORKS

Easy for You. Valuable for Your Employees.

Professional management for employees’ existing 401(k) investments.

For Employees

Simple access to professional 401(k) management

Keep your existing 401(k)

No rollover or transfer required.

Free 1:1 Consultation with a Bison Adviser

After a free 401(k) plan review and discussing retirement goals, Bison can start managing the account in about 30 minutes

We manage the investments

Bison actively manages the investments within the existing 401(k).

Stay invested for retirement

Employee account stays with their employer and Bison will provide ongoing financial education and support.

For Employers

More value from your existing benefits package

Keep your existing plan

No provider or plan change required.

Offer employees access

Give employees an additional way to get professional investment management.

Bison handles the management

We work directly with participating employees.

Enhance your benefits offering

Add value without another employer-funded benefit.*

Why this matters

72% of 401(k) participants have not adjusted investments since enrollment.

For many people, a 401(k) becomes one of their largest retirement assets. But after enrollment, it can sit in the background for years. Contributions continue, statements arrive, and the balance moves, but that does not always mean the account is being actively reviewed or professionally managed. Power My 401(k) is built to help employees grow one of the most powerful tools you offer.

See The Difference

See what professional 401(k) management could mean over time.

Run Your Numbers

Takes 30 seconds. No email required.

Current Age*

Current Annual Salary ($)*

Current 401(k) Balance ($)*

*For illustrative purposes only. Assumes 3% annual salary growth and 12.4% annual contribution (7.8% employee, 4.6% employer). Performance without help is the 5-year annualized return of the S&P Target Date 2035 Index as of Dec 31, 2025. With help is increased by 3.32% based on the Hewitt Study. If you book a call, your calculator inputs may be included so an advisor can prepare.

Bison Wealth Company Story

Bison Wealth is one of the fastest growing RIAs in the U.S.

Bison was founded on a simple belief: families benefit from three core principles: Plan, Protect and Prosper.

Founded by the Terry and Kim Pegula Family Office, East Asset Management, in partnership with Teton Capital Partners, founded by Brad Ball and his team, Bison was created to bring sophisticated wealth management to more families.

As the Pegula family’s wealth grew, they gained access to financial expertise and resources typically available only through private family offices.

Bison was built to bring that level of expertise to more families, helping them plan for their future, protect what they’ve built and prosper.

Featured In

Executive Financial Services

More Support for Your Leadership Team

Personalized wealth management for executives with complex compensation, wealth and financial planning needs.

from clients

What investors say about getting help with their 401(k).

I had been contributing for years but never really knew if anyone was watching it. The review made my options clear without any pressure to move my money.

What I appreciated most was that I didn't have to roll anything over to get a straight answer about my plan. It was a genuinely useful 30 minutes.

They explained how my existing account could be managed more actively, in plain language. No jargon, no hard sell — just clarity about what was possible.

Testimonials are from actual clients. No compensation was paid for these statements. Individual experiences vary.

Questions

The answers most companies want to know.

If something isn’t covered here, we’re happy to answer any questions you may have.

What is the employer being asked to do?

The first conversation is to determine whether your current plan offers an SDBA and what the plan requires. It does not change your plan or require your company to recommend Bison.

How does an SDBA work for eligible employees?

If their plan makes an SDBA available and they are eligible, employees may be able to work with Bison within their existing 401(k). Bison manages participating accounts through its approved investment models, subject to the plan, brokerage account, and advisory-program rules.

Do employees have to move their money out of the company / employer 401(k) plan?

No. Nothing rolls over or moves out. Management happens through a brokerage account that lives inside the 401(k) you already have.

What will it cost employers and employees?

Bison’s advisory fee is 0.75% of assets managed. Other plan, brokerage, investment, and account fees apply, and total annual costs can be up to 1.95% depending on the plan and account. Participants receive the applicable fee disclosures before enrolling.

Do we need to change our current 401(k) plan or provider?

No. Bison can work with eligible employees inside the company’s existing 401(k) plan. A provider change, plan change, rollover, or transfer is not required.

Will this affect our company match, payroll, or employee contributions?

No. Your company can keep its current plan, payroll process, match structure, and contribution policies. Bison’s role is limited to managing investments for employees who choose to participate.

What does Bison handle versus what does the employer handle?

Bison works directly with participating employees, including their individual review and ongoing investment management. The employer continues to offer its existing 401(k) plan as usual.

Do you work with other employer-sponsored defined contribution retirement plans?

Yes, we also consult on and manage other employer sponsored defined contribution retirement plans, such as 403(b), 457(b), 401(a), SIMPLE IRA and Profit-Sharing plans.

Your Next Step

Bring Professional 401(k) Management to Your Employees.

Start with a 20-minute call to see how Bison can help your company…