Employee fees can take a big bite out of your and your employees' retirement savings. Many small and
mid-size companies pay 2% or more in employee expenses.
The graph below shows that with only 1% fees, John has over $242K more savings than Alan after 40 years.*
Your company's Fee Disclosure document should make it much easier to compare plans. You can use your
document to provide some basic info on the right, or upload your Fee Disclosure document and we'll do
it for you.
No cost, no obligation, just the comparison.
Feel free to email us at firstname.lastname@example.org
or just give us a call at
1-800-943-6108, option 1.
Just upload your fee disclosure document and we'll provide you a full cost comparison in two business
days or less.
Enter your plan's details in the fields below to create your cost comparison.
How many employees are participating in your plan?
Is your current plan a Safe Harbor Plan? What's this?
How many assets are in your current plan?
What are the estimated annual contributions to the plan?
(employee and employer match or profit share, if applicable)
What are your plan's total investment expenses?
(include the total of all fees charged on assets including
fund expenses for your plan)
• Fund Expenses
• Asset Management Fees
• Advisory Fees
• Contract Charges
• Revenue Sharing / 12-B1 Fees
• Account maintenance charges
What are your plan's annual administration and recordkeeping expenses?
*The graph above shows a hypothetical situation of two investors, John and Alan. Both have $50,000 in
a 401(k) plan and never contribute to it again. They are fortunate to both achieve 8% fixed returns
each year. However, Alan's funds have an average of 2% in fees and John's only 1%. As you can see, the
effect of the higher costs compounds and becomes profound over time. John has $98K more in 30 years
and a whopping $242K more in 40 years! This hypothetical presentation is based on a fixed annual 8%
return with no distributions or tax considerations, and does not imply future returns.
Investment and Insurance Products Are:
Banking and lending products and services are provided by Capital One N.A. and Capital One Bank (USA), N.A., Members FDIC.
Investment products are offered by Capital One Investing, LLC, a registered broker-dealer and Member FINRA / SIPC. Investment advisory services are provided by Capital One Advisors, LLC, an SEC-registered investment advisor. Insurance products are offered through Capital One Agency, LLC.
All are subsidiaries of Capital One Financial Corporation.
ShareBuilder 401k and Spark 401k are marketing names for Capital One Advisors, LLC.
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