ShareBuilder 401(k) Quick Q&A

ShareBuilder is a leader in offering online investing services that makes it easy and affordable for any investor to get started. Our vision is to help lead Americans back to saving. ShareBuilder also offers pioneering 401(k) plans designed exclusively for small businesses. ShareBuilder is a subsidiary of ING Direct, the nation's largest direct bank with over 5.5 million customers.

ShareBuilder 401(k) brings together leading on-demand technologies with a smart index-based approach to investing. Our 401(k) plans are supported with fully licensed 401(k) Consultants and Customer Success Managers to help serve employers and participants at the highest level.

The ShareBuilder 401(k) is truly a new and innovative way to offer a 401(k). We offer a 401(k) that is exclusively designed for the small business market. We've designed it to be easy, affordable, and smart:

• Easy — The ShareBuilder 401(k) is 100% online and convenient. Our free online quote process does the hard work for you; it will: 1) select the 401(k) Plan that best fits your company's needs; 2) provide an immediate quote online; and 3) allow you to purchase the plan on the spot.
• Affordable — The ShareBuilder 401(k) is designed to be the low-cost 401(k) solution for small business owners. It also has the simplest fee structure in the industry and has no hidden fees.
• Smart — We are a leader in providing 100% ETF 401(k) plans, a smart, index-based approach to long term saving.

All ShareBuilder 401(k) Plans offer 15 diverse exchange-traded funds (ETFs) as well as 5 model portfolios, designed to suit different investing styles. Visit our Investment Center to view the model portfolios and ETFs available in the ShareBuilder 401(k).

The ShareBuilder 401(k) Plans also offer participants the option to automatically rebalance their account four times a year for free.

ETFs are an efficient investing option. ETFs are baskets of stocks that track a specific index, like the S&P 500. Since these funds do not have individual fund managers, they generally have low expense ratios that range from 0.09% to 0.78%.

Absolutely. We have a 401(k) for every need and, as your company grows, your 401(k) Plan will grow with it. Changes to your plan are as simple as accessing the site and adding your new employee's information. Our 401(k) programs are scaleable and designed to give you complete flexibility.

You and your employees may access and manage your ShareBuilder 401(k) Plan and reference our online help 24 hours a day. Our Customer Care team is also available for phone and email support Monday - Friday from 9am to 6pm (ET).

Phone Support (Sponsor/Employee): 800-943-6108 x1
Email Support (Sponsor Only): customerservice@sharebuilder401k.com

The ShareBuilder 401(k) is a complete solution that allows you to access and manage your company's 401(k) plan online 24x7. The process to set up a plan is quick and easy, and it takes just a few minutes a month to manage.

Protecting your privacy and personal information is a top priority for us at ShareBuilder. We use a variety of modern technologies and techniques that provide multiple layers of protection against network or physical intrusion and compromise. Additionally, we evaluate and monitor our partners to ensure that their security policies meet our standards.

Enrollment is handled 100% online. No hard copy information is necessary.

Getting your company's 401(k) plan up-and-running takes just a few short minutes online. First, input your company's information to receive your recommended 401(k) Plan and free quote. Second, select the purchase button on your quote. Third, complete the brief online set-up process and enter your employees' information. It's that simple.

If you need additional assistance to help set up your plan, you may contact our sales department by phone: 800-943-6108 x 1 or by email customerservice@sharebuilder401k.com.

Yes, ShareBuilder provides owner-only businesses with the opportunity to shelter a significantly higher portion of the profits for retirement than previously allowed through conventional retirement plans with an Individual 401(k) plan.

Every company deserves the benefits of having a 401(k). Get a Free Quote today.

If you work for a company that doesn't offer a 401(k) plan or if you are self employed and are not planning to contribute more than $5,000 this year to your retirement, you may want to consider opening a ShareBuilder Traditional or Roth IRA. With a ShareBuilder IRA, you can contribute up to $5,000 annually, get free investment guidance with PortfolioBuilder and automatically invest in over 5,000 stocks and ETFs.