Our Background

icon-big-approach2CDM Retirement Consultants, Inc. is a full-service recordkeeper and administrator of defined contribution and defined benefit plans.  Located in Towson, Maryland and founded in 1998, CDM is proud to be recognized as one of the leading providers of retirement plan solutions in the mid-Atlantic region.  Specifically, we provide comprehensive retirement plan administration, recordkeeping, compliance, and participant services. We service 401(k), 403(b), 457(b) and other types of defined contribution plans as well as defined benefit pension plans, including cash balance plans. We employ creative, practical approaches to meet client needs and address new developments in retirement plan design and administration.

These are three commitments we make to every client and these are the same pledges which have enabled our continuing growth:

  • We will consistently deliver service with absolute quality.
  • We will provide specific recommendations, solutions and day-to-day administration which recognize that the needs of each client are different.
  • We are committed to responsive and effective long-term relationships.

Commitment to Quality

We have grown to 30 employees and currently service engagements covering over 500 plans with approximately $2 billion in assets and 35,000 participants by doing what we say we will. We have distinguished ourselves from our competitors with our broad base of knowledge, technical skills, experience and our unquestioned commitment to quality service.

Whereas most retirement plan administration firms have attempted to leverage themselves by employing relatively inexperienced administrators to service their client accounts, we have a decidedly different approach. We are one of the few firms that require all of our client work to be reviewed and completed by experienced and knowledgeable consultants.

Custom Services

As retirement plan consultants, our services are different than those of a plan administrator. Our services focus on anticipating situations, rather than simply reacting to them. We employ imaginative, creative and practical approaches to meet client needs and address new developments in the rapidly changing employee benefits field. We are not a vendor. We partner with our clients in the pursuit of a long-term relationship that is beneficial to both of us. We fully realize that our clients’ success will determine our success.

Client Relationships

One of the main benefits of having a single point-of-contact is the human factor. CDM Plan Consultants are aware of all the moving parts of the plans they manage and are able to respond accordingly. Each year, your CDM Plan Consultant will conduct a review of your retirement plan to suggest and explore design or service modifications that might benefit the retirement program and its participants. They’ll provide you with a compliance review and will discuss with you all relevant test results. It is this kind of service, offered by seasoned, accredited individuals – not a team or a machine – that gives CDM the human factor.

Competitive Fee Structure

Through the use of skilled consultants, we are able to provide our clients with the highest quality service, at a fee level that is competitive with that of other firms that employ less experienced administrators. Our competitive fee structure results from the greater efficiencies we achieve in using knowledgeable professionals and our extensive use of advanced technology.


Another key to our success is independence. We have no brokerage or insurance company ties and we do not sell investment products.  We believe we are uniquely positioned in the marketplace to have no conflicts of interest and to be a true client advocate.