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401(k) Pricing


Individual 401(k)

Designed to help owner-only businesses save and shelter up to $54K per year* from taxes plus offers access to funds via a loan if the need arises. The Individual 401k includes the Roth 401(k) option for up to $18,000 of after-tax savings. It can be for multiple owner firms too.

To qualify for an Individual 401k Plan your company must have no employees other than owners or the spouses of the owners. Find out more about Individual 401k plans.

  Employer Fees
Participant
Fee
Assets One-time Setup Monthly Administration
per Participant
Asset
Management
Fee
$0 -
$249,999
$150 $15 0.75%
$250,000 -
$499,999
No Charge No Charge 0.75%
$500,000 -
$1,999,999
No Charge No Charge 0.65%
$2,000,000 -
$4,999,999
No Charge No Charge 0.55%
$5,000,000
or More
No Charge No Charge 0.45%

Custom Services

ShareBuilder 401k offers full-service 401(k) plans. Should you require custom or non-standard services, those charges are listed below for your convenience. This also includes infrequent services.

Participant Costs
DistributionsThe benefit paid to a plan participant. / Withdrawals $60 - $75 / event
Loans $125 - $150 / loan
Required minimum distribution $100
Reissue of a check $12 - $25
Stop payment of a check $25 - $35
Overnight mailing fee $35 / event
Qualified Domestic Relations Order processingThis division of benefits is typically associated with a divorce in regards to monies assigned to the other person for alimony payments, child support or as marital property. Up to $750/occurrence
Plan Sponsor Costs
In the event of an Automatic Clearing House (ACH) circumstance that results in a failed transaction. The ACH system is used to transfer plan contributions and administrative fees electronically from the bank account provided. Automated Clearing House (ACH) notice of change due to client error or non-sufficient funds $50
A determination letter is only needed at Employer's request. This letter indicates that a retirement plan meets the IRS form requirements for qualification. Our clients typically use a prototype document which has already been pre-approved by the IRS. No fee will apply when using this pre-approved document. Determination letter filing $1,000
IRS submission fee for the determination letter $2,000 - $4,000
An audit is an IRS examination of an individual or corporation's tax return, to verify its accuracy. This fee is associated with the assistance required should an audit be requested by the Department of Labor (DOL) or the Internal Revenue Service (IRS). DOL or IRS audits $600 base, plus $100/hour over 6 hours
Additional fees would apply for requests that are not part of our standard services. We would communicate an estimate of the amount of the fee before we would initiate the activity. Custom requests and extraordinary services $75/hour
Fee applies when the previously approved Form 5500 has already been filed with the Employee Benefits Security Administration (EBSA) and changes are necessary for correction. Amended Form 5500 $100
If the granting of additional time is necessary in filing of the Form 5500. Federal filing extension $100
A change in the terms to the Plan Document detailing the provisions of the plan (participation requirements, vesting, payment options, loan options, Roth provision, etc.)Plan amendment $75 - $100 unless otherwise noted
The movement of one product to another.Product migrations $250
All of the work that is necessary for when a plan is permanently discontinued.Plan terminations $150 plus any applicable employee paid distribution fees
All of the work that is necessary to transfer a 401(k) plan from the existing provider to a new 401(k) provider.Plan transfers $100
Plan As retirement plan regulations change, the IRS will mandate restatements when the importance and number of these addendums become significant. These typically have occurred every 5 - 10 years. A 401(k) Plan Restatement is the process in which a third party administrator revises all Plan documents to incorporate all new IRS regulatory additions of retirement plans.Restatement required by IRS due to regulation changes (infrequent) Fee will vary based upon requirements mandated by the IRS. The last restatement price was $100.
In the event of death, disability or retirement of an employee, this fee is paid by the Employer. All other forms of distribution are paid by the employee.Distribution Benefits for death, disability or retirement $75
This fee is triggered when combining two separate plans into a single plan. The fee covers the expenses of closing out of each of the separate plans and the combining of those plans into a single plan. Plan Merger $600
Investment Conversion Fee $500
*Amounts are based upon 2017 Tax Year

Questions? Give us a call at
800-943-6108 x1

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