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.
|Base Fee||$99 / month||$149 / month||$199 / monthly|
|Participant Fees||Varies by headcount||Varies by headcount||Varies by headcount|
|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
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%
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%
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%