All-Inclusive Low 401k Easy Pricing---NO 401k Fees Deducted From Participants' Retirement Savings---Ever
Three different 401k plan configurations, designed to fit the needs of different small employers:
 Value |
Standard |
Plus |
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| One-time only set-up fee | $495/one-time | $595/one-time | $795/one-time |
| 1 eligible employee | $395/yr | $495/yr | $795/yr |
| 2-4 eligible employees | $495/yr | $695/yr | $1395/yr |
| 5-10 eligible employees | $695/yr | $895/yr | $1695/yr |
| 11-15 eligible employees | $795/yr | $995/yr | $1795/yr |
| 16-20 eligible employees | $995/yr | $1295/yr | $1995/yr |
| 21-25 eligible employees | $1195/yr | $1595/yr | $2395/yr |
| 26-30 eligible employees | $1395/yr | $1795/yr | $2695/yr |
| 31-35 eligible employees | $1595/yr | $1995/yr | $2895/yr |
| 36-40 eligible employees | $1795/yr | $2195/yr | $3095/yr |
| 41-45 eligible employees | $1995/yr | $2395/yr | $3395/yr |
| 46-50 eligible employees | $2195/yr | $2595/yr | $3595/yr |
| more than 50 eligible employees | $2195/yr + $200/yr for each additional 5 eligible employees | $2595/yr + $250/yr for each additional 5 eligible employees | $3595/yr + $300/yr for each additional 5 eligible employees |
| Please Note: 401k Easy is sold on a Calendar Year basis only. All first-year clients are charged the one-time only plan set-up fee. The pricing above applies to the first year of service only. Renewal fees may be adjusted because no set-up fee is charged in subsequent years. | |||
| Secure online plan management for employer |  |
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| Secure online account management for participants | |
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| Self-directed brokerage with unlimited investments | |
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| Unlimited selection of no-load mutual funds | |
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| Signature-ready 5500-SF and 1099 filings | |
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| Preparation, distribution and filing of IRS Forms 1099R and 1096 | |
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| Employer sends purchase orders and contribution payments to custodian | |
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| Employer authorizes contribution purchases online, anytime day or night | |
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| Eligible for Roth 401k feature | |
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Our iron-clad promise: No hidden 401k fees & no 401k asset-based fees & no 401k commissions, ever!
Our Policy Regarding All Asset-Based Fees
Our policy is not to accept any rebates or revenue sharing of fees deducted from our clients' plan assets ... period! Entities that provide 401k plans, including mutual funds managers, fund distributors, asset custodians, asset trustees, investment brokers and advisors, and plan administrators and record-keepers. These entities typically earn at least a portion of their compensation from asset-based fees extracted from plan assets; 401k Easy is an exception from the norm.
401k Easy is an exception to the norm in that we do not earn any compensation,
either directly or indirectly, from our clients' 401k plan assets. If rebates are
offered, we have the rebates returned to the client. Our published prices, available online for all to
see, are the only compensation we collect.
Hidden & excessive 401k fees are causing severe damage and loss for 401k participants
Please CLICK HERE to learn about 401k providers and affilliated financial advisors deducting hidden fees and commissions from small 401k plans and employees'retirement savings.
401k Price Comparisons: Published 401k prices are not necessarily what you pay for a small 401k plan
Please CLICK HERE to view chart comparing 401k Easy to six 401k providers who deduct fees from participants' accounts.
All-inclusive pricing based solely on company size
As you can see above, the 401k Easy annual fee is based solely on the size of the employer, not the plan design options you select for your plan. This flexibility is not industry-standard - particularly regarding investment flexibility. Though we do charge a modest per-incident fee per 401k loan disbursement, distribution, QDRO, compliance test correction or hardship withdrawal.
The 401k Easy set-up fee: A one-time charge
One of the great things about 401k Easy is its adaptability. Our IRS-approved prototype 401k plan includes a host of plan design options, which we detail below, and our online administration and participation systems - your Plan Sponsor Gateway and Plan Participant Gateway - contain further customization flexibility.
The one-time set-up fee charged at your plan's outset pays for all customization. The fee is charged only one time at your plan's outset.
If in subsequent years if you decide you want to alter your plan or system design choice, that's no problem.
Our staff can help you understand the plan and system design options open to you, so you can make educated decisions as to which are most desirable for your company and the health of its 401k retirement plan.
We code your decisions into the Plan Sponsor Gateway and Plan Participant Gateway that you and your employees will use to interact with your company 401k plan, empowering the system to streamline 401k management and participation and automate many of its functions. Plan administration via 401k Easy takes most small businesses less than 15 minutes a month - while saving them thousands of dollars a year.
The 401k Easy set-up fee is frequently refunded by the government
Under federal regulations, the one-time 401k Easy set-up fee may be refundable in the form of a federal tax credit. New 401k Easy plans qualify to receive this federally-mandated dollar-for-dollar refund, but there are some restrictions, so please consult your tax advisor before signing up for 401k Easy to make sure you qualify.
No trustee fees with 401k Easy---ever
401k Easy plans are IRS-approved as employer-trusted, which means you never have to hire - and thus never have to pay - any 401k trustees.
Trustee fees in other 401k plans can add significantly to the true 401k annual cost, for employers and employees alike!
Trustee fees are yet another thing you save with 401k Easy.
Plan conversions involve administrative work on our part before we can get your new 401k Easy up and running. Rarely is it necessary for us to charge a conversion fee, but if your current plan is extremely complicated, a nominal conversion fee will be described before any work begins.
Your current 401k provider may charge plan termination fees, as it likely has some administrative expenses involved with closing down your existing plan. Contact your current plan provider to learn about any plan termination fees.
You can view all the plan design options available with 401k Easy by scanning through our Conversion Plans Order Form. If you have specific questions, contact us or submit a Conversion Plan Order Form and mark "Unsure. Please contact..." as applicable. Submitting an order form is the most expedient way for us to serve you, even if all you want at the moment is answers to conversion-related questions, because the order form collects pertinent information we likely need to answer your questions. Submitting an order form IN NO WAY obligates you to actually placing an order - no money changes hands - but the form does gather the data we need to accurately answer your 401k-related questions. Oh, and of course we do NOT share your data with any party.
Your current 401k provider may charge plan termination fees, as it likely has some administrative expenses involved with closing down your existing plan. Contact your current plan provider to learn about any plan termination fees.
You can view all the plan design options available with 401k Easy by scanning through our Conversion Plans Order Form. If you have specific questions, contact us or submit a Conversion Plan Order Form and mark "Unsure. Please contact..." as applicable. Submitting an order form is the most expedient way for us to serve you, even if all you want at the moment is answers to conversion-related questions, because the order form collects pertinent information we likely need to answer your questions. Submitting an order form IN NO WAY obligates you to actually placing an order - no money changes hands - but the form does gather the data we need to accurately answer your 401k-related questions. Oh, and of course we do NOT share your data with any party.