Transparent. Reasonable. Competitive.
Our fee-structures are designed to be simple & fair - consisting of a base monthly Plan Administration & Compliance Fee as well as a monthly Recordkeeping Charge for each employee participating in the Plan. Additionally, we charge a modest asset-based fee that underwrites all of our services and declines as Plan assets accumulate. We can structure plans within our Pooled Employer Plan (PEP) or on a traditional "stand-alone" basis; whereby we've created three distinct prototype plan designs, to streamline the decisions required to establish a workplace retirement savings plan for your business.
Auto401k |
Safe Harbor |
Complete |
|
|---|---|---|---|
| Base Fee | $99 / month | $149 / month | $199 / monthly |
| Participant Fees | Varies by headcount | Varies by headcount | Varies by headcount |
| Plan Structure | PEP | PEP | Stand-Alone |
| Includes Plan Concierge Service | Yes | Yes | Yes |
| Includes 3(16) Plan Administator | Yes | Yes | Optional |
| Includes 3(38) Investment Manager | Yes | Yes | Optional |
| Best suited for... | Businesses looking for a simple, cost-effective alternative to the State Auto-IRA. | Businesses looking for a solution that maximizes contributions from Owners & Highly Compensated Employees (HCEs). | Businesses looking for the most configurable solution that allows specialized Profit Sharing allocations. |
| Things to consider... | Consider excluding Highly Compensated Employees (HCEs) to avoid annual non-discrimination testing issues. | Minimum annual employer contribution is required to all employees actively participating in the Plan. | Safe Harbor Match election will enable Owners & HCEs to max-out their personal annual contributions. |
Curated Investment Bundles
Expense Efficient
These Investment Options have been selected to represent the least expensive investment vehicles available in the marketplace. The line-up primarily consists of passively managed index mutual funds that provide broad market exposure, with a focus on minimizing management expenses. The line-up spans fixed income to domestic and international equities, as well as includes a full suite of Target Date Funds - as the Qualified Default Investment Alternatives (QDIAs).
Average Expense Ratio = 0.13%
Hybrid
These Investment Options have been selected from the two other bundles to represent a combination of both approaches. The line-up consists of both active and passively managed mutual funds that enable participants to focus on the attributes most important to them. The line-up spans fixed income to domestic and international equities, as well as includes both Target Date Funds and risk-based allocation funds; whereby the QDIA is a "Balanced" fund.
Average Expense Ratio = 0.37%
Performance Optimized
These Investment Options have been selected to represent the top performing investment vehicles available in the marketplace. The line-up primarily consists of actively managed mutual funds from highly respected money managers, with a focus on delivering the greatest pure performance. The line-up spans fixed income to domestic and international equities, as well as includes a full suite of Target Date Funds - as the Qualified Default Investment Alternatives (QDIAs).
Average Expense Ratio = 0.61%