https://www.culpepperrfp.com/blog daily 0.75 2026-02-17 https://www.culpepperrfp.com/blog/mashed-potatoes-with-mushrooms-and-brussels-sprout-b8nkr-rp6j2 monthly 0.5 2020-10-19 https://images.squarespace-cdn.com/content/v1/5e9e44e143969e061c2ed8fa/1588647101271-2Z1BJ6CARR5YPF46IMMW/image-asset.jpeg Blog posts - Mashed potatoes with mushrooms and brussels sprouts https://www.culpepperrfp.com/blog/beetsalad-38jcm-9tdaf monthly 0.5 2020-10-19 https://images.squarespace-cdn.com/content/v1/5e9e44e143969e061c2ed8fa/1588646511943-7ND7VMAMYX4VNKBWFKT8/image-asset.jpeg Blog posts - Winter beet salad https://www.culpepperrfp.com/blog/goldenmilk-w32kr-3j4en monthly 0.5 2020-10-19 https://images.squarespace-cdn.com/content/v1/5e9e44e143969e061c2ed8fa/1588644326233-XHNWNULHT6162VSVNMM6/image-asset.jpeg Blog posts - Golden milk https://www.culpepperrfp.com/blog/carrottahini-rpcj3-mt6x9 monthly 0.5 2020-10-19 https://images.squarespace-cdn.com/content/v1/5e9e44e143969e061c2ed8fa/1588643295299-E37QMPWT8SI0CS3S0W0R/image-asset.jpeg Blog posts - Roasted carrots with walnuts and tahini https://www.culpepperrfp.com/blog/watermelonsalad-3skbx-7655k monthly 0.5 2020-10-19 https://images.squarespace-cdn.com/content/v1/5e9e44e143969e061c2ed8fa/1588642230099-V8VX84X0I1MY9Z5QUAUY/image-asset.jpeg Blog posts - Watermelon and feta salad https://www.culpepperrfp.com/blog/face-mask-d3ry6-pbzbx-5fhhm monthly 0.5 2020-10-19 https://images.squarespace-cdn.com/content/v1/5e9e44e143969e061c2ed8fa/1588641774965-6SR6G7N69MVRCYYTY6D9/Stocksy_comp_2263541.jpg Blog posts - Spinach and persimmon salad https://www.culpepperrfp.com/blog/face-mask-ktsga-jd4zg monthly 0.5 2020-10-19 https://images.squarespace-cdn.com/content/v1/5e9e44e143969e061c2ed8fa/1588193268657-ZR40QF5GTKGIINHMBIGG/image-asset.jpeg Blog posts - Energizing face mask https://www.culpepperrfp.com/blog/ginger-soda-k6hb7-w85w4-7j47z-lsmre monthly 0.5 2020-10-19 https://images.squarespace-cdn.com/content/v1/5e9e44e143969e061c2ed8fa/1588112672204-5R5EUMXRE0JNC5340XUI/Stocksy_comp_1276830.jpg Blog posts - Salmon power bowl https://www.culpepperrfp.com/blog/ginger-soda-k6hb7-fns8a-tfdsa monthly 0.5 2020-10-19 https://images.squarespace-cdn.com/content/v1/5e9e44e143969e061c2ed8fa/1588110240245-9M0K0FBTMOBTTRR8ZSPN/Stocksy_comp_2610683.jpg Blog posts - Fruit and yogurt bowl https://www.culpepperrfp.com/blog/pea-amp-goat-cheese-crostini-p6jg7-flwd8 monthly 0.5 2020-10-19 https://images.squarespace-cdn.com/content/v1/5e9e44e143969e061c2ed8fa/1588107039010-XOV7KLGV11SD788ED0MJ/Stocksy_comp_1615401.jpg Blog posts - Pea and goat cheese crostini https://images.squarespace-cdn.com/content/v1/5e9e44e143969e061c2ed8fa/1588107306104-9A7C74TZ8VV2KO71MBBU/Stocksy_comp_1615401.jpg Blog posts - Pea and goat cheese crostini https://images.squarespace-cdn.com/content/v1/5e9e44e143969e061c2ed8fa/1588107066845-1W1OJIA4APRMC3QSFNZ0/Stocksy_comp_2054574.jpg Blog posts - Pea and goat cheese crostini https://www.culpepperrfp.com/blog/5fc13kx3gk3xyhnyx4gajo22ky42m0-2ythk-mj7hs monthly 0.5 2020-10-19 https://images.squarespace-cdn.com/content/v1/5e9e44e143969e061c2ed8fa/1588105503045-KGKEQNFRUH50V5B76555/Stocksy_comp_1953842.jpg Blog posts - Avocado toast https://www.culpepperrfp.com/blog/ginger-soda-rs9tb-mnzjw monthly 0.5 2020-10-19 https://images.squarespace-cdn.com/content/v1/5e9e44e143969e061c2ed8fa/1588106309579-O1Z1WILO0N4M30RWB9Q8/Ginger+Soda Blog posts - Ginger soda https://www.culpepperrfp.com/blog/category/Recipe monthly 0.5 https://www.culpepperrfp.com/blog/category/Wellness monthly 0.5 https://www.culpepperrfp.com/blog/tag/Winter monthly 0.5 https://www.culpepperrfp.com/blog/tag/Autumn monthly 0.5 https://www.culpepperrfp.com/blog/tag/Dinner monthly 0.5 https://www.culpepperrfp.com/blog/tag/Summer monthly 0.5 https://www.culpepperrfp.com/blog/tag/Spring monthly 0.5 https://www.culpepperrfp.com/blog/tag/Snack monthly 0.5 https://www.culpepperrfp.com/blog/tag/Drink monthly 0.5 https://www.culpepperrfp.com/blog/tag/Breakfast monthly 0.5 https://www.culpepperrfp.com/blog/tag/Beauty monthly 0.5 https://www.culpepperrfp.com/blog/tag/Skin monthly 0.5 https://www.culpepperrfp.com/blog-1 daily 0.75 2026-03-27 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/0a46af00-18be-406f-9603-fefc97e10dda/imgg-demo-hNKPmLKj.png https://www.culpepperrfp.com/blog-1/seasonality-broker-evaluations monthly 0.5 2026-03-30 https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/cc5036ba-41ae-46cd-8489-7eb39a89053e/Culpepperrfp.com-calendar.jpg Blog - Why Timing Matters: The Overlooked Seasonality of Broker Evaluations - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.culpepperrfp.com/blog-1/what-erisa-attorneys-wish-plan-sponsors-understood-earlier monthly 0.5 2026-03-23 https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/1772748194406-OO5ZFZ59RGUH1HPJIWED/pexels-ketut-subiyanto-4963377.jpg Blog - What ERISA Attorneys Wish Plan Sponsors Understood Earlier - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.culpepperrfp.com/blog-1/private-equity-benefits-retirement-industry monthly 0.5 2026-03-16 https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/1772746408418-AEI4D2T7X9J6SIRTUEDO/markus-winkler-c7tqdQzRN-Y-unsplash.jpg Blog - How Private Equity Is Reshaping the Benefits and Retirement Landscape - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.culpepperrfp.com/blog-1/rfp-vs-benchmarking-plan-sponsors monthly 0.5 2026-03-09 https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/ea782c51-46b9-4dfb-8138-bdf64085c514/pexels-goumbik-590022.jpg Blog - Should Plan Sponsors Conduct an RFP — or Is Benchmarking Enough? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.culpepperrfp.com/blog-1/fiduciary-review-triggers monthly 0.5 2026-03-05 https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/1767916005104-4Q00YNTADO6L67XHE0A7/unsplash-image-FlPc9_VocJ4.jpg Blog - What Should Trigger a Fiduciary Review — and Why Waiting Can Create Risk - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.culpepperrfp.com/blog-1/defensible-fiduciary-process monthly 0.5 2026-02-09 https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/1767915299128-WK1RXENBD5B7Z6B4DTJ8/unsplash-image-JOzv_pAkcMk.jpg Blog - What a Defensible Fiduciary Process Actually Looks Like for Plan Sponsors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.culpepperrfp.com/blog-1/how-often-review-service-providers monthly 0.5 2026-02-02 https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/1767914611325-9EHYPUKUN3H04OXGOFRA/unsplash-image-y5smYsKqyo8.jpg Blog - How Often Plan Sponsors Should Review Service Providers — and Why Timing Matters - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.culpepperrfp.com/blog-1/broker-compensation-fiduciary-risk monthly 0.5 2026-01-26 https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/1767914418629-F3X24QNG3S4P83P5QER0/unsplash-image-gGFQnnz1iNs.jpg Blog - Broker Compensation and Fiduciary Risk: What Plan Sponsors Need to Understand Now - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.culpepperrfp.com/blog-1/relying-on-non-fiduciaries-risk monthly 0.5 2026-01-19 https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/1767913252763-LEUKMGPUHRDGV3M8V2T4/unsplash-image-5uOCOURiRfk.png Blog - Why Relying on Non-Fiduciaries Creates Risk — Even When Everyone Is Acting in Good Faith - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.culpepperrfp.com/blog-1/what-it-means-to-be-a-fiduciary monthly 0.5 2026-01-12 https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/1767912329388-ABYJ8FM635WKU01DU2D0/unsplash-image-AhAGyHoYqB0.jpg Blog - Why Benefit Brokers Are (Usually) Not Considered Fiduciaries — and Why That’s Becoming a Problem - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.culpepperrfp.com/blog-1/benchmarking-vs-evaluation monthly 0.5 2026-01-08 https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/1765403281271-0LAMV6D0VAAAUJQX8AMM/unsplash-image-QSRXNv9kmus.jpg Blog - Benchmarking Fees vs. Evaluating Providers: Why Both Matter — and Why Sponsors Confuse Them - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.culpepperrfp.com/blog-1/what-attorneys-wish-clients-knew monthly 0.5 2025-12-11 https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/1765402357200-WBR68Q6HK8AL95RD18Z0/unsplash-image-bOfROsjzrNs.jpg Blog - What Attorneys Wish Their Clients Understood About Fiduciary Duty - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/1765402401555-TX4EQLACHU63CYOD0CXS/unsplash-image-DT71hAJoIJM.jpg Blog - What Attorneys Wish Their Clients Understood About Fiduciary Duty - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.culpepperrfp.com/blog-1/parallel-paths-benefit-litigation monthly 0.5 2025-12-11 https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/1765401417364-7U18MV5L6YH4FTCLWAVC/unsplash-image-THhHXwNhzPA.jpg Blog - The Parallel Paths: Why Health Benefit Plans Are Entering the Same Litigation Cycle as Retirement Plans - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/1765401469039-BBI9ZG8BZIXEPSA2ML6A/unsplash-image-g3PsF4_y7ZY.jpg Blog - The Parallel Paths: Why Health Benefit Plans Are Entering the Same Litigation Cycle as Retirement Plans - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.culpepperrfp.com/blog-1/vendor-relationships-fiduciary-risk monthly 0.5 2025-12-10 https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/1765399127827-ELHIE8M8NMQSPRFA6EJY/unsplash-image-vWchRczcQwM.jpg Blog - How Vendor Relationships Can Create Hidden Fiduciary Risk — Even When Performance Is Strong - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/1765384942998-R8Q7FNSJ0O8JGVBGWG6R/unsplash-image-6sl88x150Xs.jpg Blog - How Vendor Relationships Can Create Hidden Fiduciary Risk — Even When Performance Is Strong - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.culpepperrfp.com/blog-1/internal-rfp-risk monthly 0.5 2025-12-10 https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/1765385077595-4QUSN4H360Y069VUIGTD/unsplash-image-OQMZwNd3ThU.jpg Blog - Why Your Internal RFP May Not Hold Up in Court - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/1765384942998-R8Q7FNSJ0O8JGVBGWG6R/unsplash-image-6sl88x150Xs.jpg Blog - Why Your Internal RFP May Not Hold Up in Court - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.culpepperrfp.com/blog-1/why-erisa-attorneys-refer monthly 0.5 2025-12-11 https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/1765387152384-8ZTLDJ0Q4A7XRN9I62IC/unsplash-image-AhAGyHoYqB0.jpg Blog - The #1 Reason ERISA Attorneys Refer Us — And What They Know That You Don’t - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.culpepperrfp.com/blog-1/why-erisa-attorneys-refer monthly 0.5 2025-12-10 https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/1765397444065-4EC6FHQR6LQ46VBHD6GH/unsplash-image-MYbhN8KaaEc.jpg Blog - When Silence = Risk: How Fiduciary Gaps Hide in Plain Sight - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.culpepperrfp.com/blog-1/fiduciary-litigation-lessons monthly 0.5 2025-12-11 https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/1765397847190-52C4OGLRNAQ65GFBGXZ7/unsplash-image-WYd_PkCa1BY.jpg Blog - What Plan Sponsors Can Learn from Fiduciary Litigation Headlines - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.culpepperrfp.com/about daily 0.75 2026-03-10 https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/1757250214839-9CSYGQQIGUOAMR6BWQGZ/stressedout-committee-member.jpg https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/b177ef11-701d-4fa5-933c-0dac6b1cf49b/Zoe-gepfert-wendel-culpepper-rfp-culpepperrfp.com.jpg https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/c6c5b927-7c05-4cab-8a71-4306ca62b131/Jay-Gepfert-Culpepper-RFP-culpepperrfp.com.jpg About The Culpepper Group - About The managing partner of Culpepper RFP, LLC… Jay Gepfert is the managing partner Culpepper RFP, LLC. Mr. Gepfert has spent more than 20 years providing retirement consulting and investment advisory services to plan sponsors of all sizes. Prior to founding Culpepper RFP, Mr. Gepfert was employed by Russell Investments, a leading international investment consulting organization. He has sat on all sides of the fiduciary table including record-keepers, investment managers, investment advisors, and plan sponsors. This 360-degree view allows him particular insights when evaluating and selecting vendors for his clients. Mr. Gepfert received his BA from Davidson College. Mr. Gepfert has had a lifelong love and participation in sports including playing division one tennis at Davidson College. After many years of coaching, he continues his passion for athletics as a woman’s fast-pitch softball umpire at all levels including collegiate. Mr. Gepfert has served on numerous boards as well as contributed to many philanthropic endeavors and is currently enjoying volunteering as a wish grantor with the Connecticut Chapter of Make a Wish. https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/c5fe06b0-45f8-49f6-a316-0dc89f1343d8/jake-gepfert-culpepper-rfp-culpepperrfp.com.jpeg About The Culpepper Group - About Jake Gepfert… At Culpepper RFP, Jake plays a key role in managing and executing complex RFP engagements, helping clients identify best-fit partners through structured, data-driven evaluation processes. Jake Gepfert brings extensive experience in sourcing, project management, and risk-focused evaluations across a broad range of industries. Jake has led and supported RFPs for 3(38) investment managers, 3(21) investment advisors, recordkeepers, and comprehensive fund and fee analyses, guiding plan sponsors through fiduciary decision-making with clarity and confidence. His experience spans evaluations for actuarial firms, health brokers, and retirement plan service providers, ensuring each engagement aligns with clients’ strategic objectives, fiduciary responsibilities, and regulatory requirements. In addition, Jake has worked on mental health parity evaluations, contributing to compliance-focused assessments that help organizations meet regulatory standards while improving access to behavioral health services. His work in health broker RFPs further supports clients in optimizing benefits strategy, vendor performance, and cost management. With a strong foundation in cybersecurity best practices, Jake brings a risk and controls mindset to every engagement. His expertise strengthens Culpepper RFP’s due diligence process by ensuring vendors are evaluated not only on pricing and capabilities, but also on data security, governance, and operational resilience—critical considerations in today’s regulatory and threat landscape. Jake is known for his structured approach, attention to detail, and ability to translate complex technical and fiduciary considerations into clear, actionable insights for clients and stakeholders. He is a proud graduate of Presbyterian College in South Carolina. https://www.culpepperrfp.com/services-1-1 daily 0.75 2026-02-05 https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/1675024109210-WBU2OKQWH7G5BE8N5A7R/fee-service-audit.jpg Services Overview - Fee & Service benchmarking The need for independent third party evaluations of 401(k),403(b), pension plans, and E&F providers has never been greater. Due to participant litigation and DOL reasonableness of plan fee guidance, HR teams are under pressure to ensure fees and services are competitive. https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/1675024109229-L5VBVT8SF0P8OW37U6VA/RFI-services.jpg Services Overview - Request for Information (RFI) The DOL has created a “blind spot” for plan sponsors with the 2021 cybersecurity guidelines. Retirement plan sponsors and fiduciaries must demonstrate that they and their service providers have strong cybersecurity programs in place. The DOL has suggested utilizing an independednt third party for the audits. We can help the selection process for a cybersecurity consultant. https://images.squarespace-cdn.com/content/v1/63d6d6e7508f3046c43347a2/1675024109254-5HZ3R8NHYLD1JWP9R57D/pale-green-cactus-with-ocean.jpg Services Overview - REQuest for proposal (rfp) The Consolidated Appropriations Act of 2021 (CAA), signed into law at the end of December 2021, brought significant changes for health insurance brokers. Transparency is coming to healthcare brokers much as it did in the retirement plan industry. https://www.culpepperrfp.com/contact daily 0.75 2025-08-25 https://www.culpepperrfp.com/home daily 1.0 2026-02-03 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618497259178-6XJGK9GR6YAVBQL5L519/20140301_Trade-151_012-2.jpg Culpepper RFP https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694583486-2PQT0LQ193RL7MCB6DX4/20140228_Trade+151_0046.jpg Culpepper RFP https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694644871-IC85FNH781UNZSZEGHDR/Aro+Ha_0428.jpg Culpepper RFP https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1589847831975-C3RV3R38S6QVWCMMBBCS/image-asset.jpeg Culpepper RFP - A little bit about Culpepper RFP… Culpepper RFP, LLC acts as an independent third party to complete RFP evaluations for 401(k), 403(b), pension, and E&F portfolios + more. 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