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ShareBuilder 401k Issues End-of-Year Tips for Small Business Owners

New Online Video Series Offers Guidance on Choosing a 401(k) Plan, the Benefits of Offering a 401(k), and How to Keep Costs Low, among other topics

December 17, 2012:
SEATTLE — ShareBuilder 401k, a leading provider of retirement plans for small and mid-size businesses, today released year-end tips to help business owners maximize their 401(k) plan benefits and savings in 2012 and beyond. The company also released a series of educational web videos providing answers to some of the most commonly asked questions about 401(k)s, plus key insights on how businesses and their employees can make the most of their 401(k) programs.

"The holidays are a busy time for business owners, and that makes it easy to miss important deadlines and end-of-year savings opportunities," said Stuart Robertson, President and Principal of ShareBuilder 401k. "With new 401(k) disclosures and potential tax changes on many business owners' minds, now is the time to ensure nothing falls through the cracks when it comes to maximizing your 401(k) plan, so you can start the New Year off right."

ShareBuilder 401k has issued the following tips to help keep 401(k) plans on-track:

  • Don't miss the deadlines. For small business owners considering a 401(k) plan, December 31st is the IRS deadline to start a new 401(k) plan that will allow for 2012 contributions and tax exemptions through the April 15th tax deadline. (Important note: Solo 401(k) plans can typically be purchased through the last day of the calendar year; however, employee-based plans generally need to be purchased at least a week prior for 401(k) providers to establish the company's plan by the December 31st deadline.)
  • Conduct an end-of-year plan review. Businesses that already offer a 401(k) plan should take the opportunity to review their current plan's fees and ensure they aren't above one percent. New federal laws require providers to disclose fees more transparently. By taking a close look at the new disclosures, business owners may find that their costs are higher than they originally thought.
  • Consider your options. If a business is currently paying more than one percent in fees – or if you're unsure whether or not your current plan is the best plan for your business – now's the time to check out your options and consider making a switch. ShareBuilder 401k offers free cost comparison tools that can help businesses compare their plans to those offered by other providers.

To help small business owners select and manage a 401(k) plan for their business, ShareBuilder 401k has launched a series of educational web videos focused on a variety of topics including: choosing the best 401(k) plan for your business; the advantages of an all-ETF 401(k); how to lower 401(k) costs to help build a bigger nest egg; the unique business benefits of offering a 401(k); and best practices for setting up and managing your 401(k) plan. To check out "The Straight Scoop on 401(k)s" click here or visit

About ShareBuilder 401k
ShareBuilder 401k provides easy-to-use, cost-efficient 401(k) retirement plans for small businesses ranging from the self-employed to those with 1,000 or more employees. ShareBuilder 401k is a leader in providing 100 percent index-based ETF investments (plus a money market) in 401(k) plans. ShareBuilder 401k offers a suite of on-demand services that make it simple for employers and employees to open and manage their retirement plans online at ShareBuilder 401k plans provide market-efficient investments and model portfolios that make it easy for employees to select smart investments to help them get on track to meet their retirement goals. Customers can also take advantage of ShareBuilder 401k consultants, customer success managers, and customer care agents to receive assistance in choosing and managing their retirement benefits.

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Alison Cahill Rouse

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