If You Like Cutting Costs by up to 68%, You’ll Love ShareBuilder 401k*

At ShareBuilder 401k, our goal is to simplify 401(k) plans and manage out costs to help your company save money and your employees save more for retirement.

Get Started with a Low-Priced Plan

ShareBuilder 401k plans are simple to buy online, and our low-cost plans include low-expense index investments that are built to help you save more!

Get Your Pricing >

Pricing may be more or less than shown above based on total employees and savings. With ShareBuilder 401k Automatic Pricing Discounts, the more your company saves, the lower your pricing.

Self-Employed  (or Owner-Only Businesses)

Businesses with Employees

Solo 401(k)

Safe Harbor 401(k)

Traditional 401(k)

Tiered Profit-Sharing 401(k)

Starting at $25/Month for administration

Starting at $95/Month for administration

Starting at $110/Month for administration

Starting at $190/Month for administration

Get Your Pricing >

Pricing may be more or less than shown above based on total employees and savings. With ShareBuilder 401k Automatic Pricing Discounts, the more your company saves, the lower your pricing.

  • 401(k) advisors and customer care 9am-8pm M-F EST
  • Roth 401(k) and tax-deferred options
  • Auto ACH and one-time contributions
  • Loan option
  • Automatic Pricing Discounts
  • 20 index funds, 1 money market, and 5 model portfolios
  • Guides, Videos, and Calculators
  • Fully administered plan including IRS Form 5500 as applicable
  • 401(k) advisors and customer care 9am-8pm M-F EST
  • Ongoing Investment roster management (ERISA 3(38) coverage)
  • 20 index funds, 1 money market, and 5 model portfolios
  • Roth 401(k) and tax-deferred options
  • Payroll integration options1
  • Automatically satisfies IRS tests
  • Automatic enrollment with qualified default investment options
  • Automatic Pricing Discounts
  • Webinars, Guides, Videos, and Calculators
  • Signature-Ready Form 5500
  • Loan and hardship withdrawal options
  • Profit Sharing option
  • Plan compliance and digital year-end checklist
  • 401(k) advisors and customer care 9am-8pm M-F EST
  • Ongoing Investment roster management (ERISA 3(38) coverage)
  • 20 index funds, 1 money market, and 5 model portfolios
  • Roth 401(k) and tax-deferred options
  • Payroll integration options1
  • Automatically satisfies IRS tests
  • Automatic enrollment with qualified default investment options
  • Automatic Pricing Discounts
  • Webinars, Guides, Videos, and Calculators
  • Signature-Ready Form 5500
  • Loan and hardship withdrawal options
  • Profit Sharing option
  • Plan compliance and digital year-end checklist
  • 401(k) advisors and customer care 9am-8pm M-F EST
  • Ongoing Investment roster management (ERISA 3(38) coverage)
  • 20 index funds, 1 money market, and 5 model portfolios
  • Roth 401(k) and tax-deferred options
  • Payroll integration options1
  • Automatically satisfies IRS tests
  • Automatic enrollment with qualified default investment options
  • Automatic Pricing Discounts
  • Webinars, Guides, Videos, and Calculators
  • Signature-Ready Form 5500
  • Loan and hardship withdrawal options
  • Plan compliance and digital year-end checklist

1 Dependent on payroll provider. Some choose not to integrate, and others do not support APIs. A simple entry or upload process is also supported to minimize time and effort.

Don’t Let High Fund Expenses Eat Away at Your and Your Employees’ Savings

Plan setup and administration are costs most small businesses become familiar pretty fast. The good thing is these can be low and are typically tax deductible too.

However, the most important expenses we suggest you pay attention are the investment expenses. It’s why we pioneered using low-cost index funds (ETFs) in 401(k) plans to help lower costs and advocate to keep your all-in investment expense less than 1%.

Because while you can't control the markets, you can control investments costs. Every dollar paid in investment expenses is one less dollar invested in the markets. Paying just 1% more in fund and investment expenses can cost each employee hundreds of thousands in savings over a 40-year career.

The effects of higher costs can compound and become profound over time. In this hypothetical example, Jill and Dan invested the same exact amount over 40 years, but because Jill paid 1% less in fees, she saved an extra $376,321, which is 27% more than Dan.

Paying 1% Less Can Make a Big Difference!

Paying 1% Less Can make a Big Difference!

This example shows the effect that expenses can have on your 401(k) retirement account over a career of 40 years by comparing the costs of paying 1% versus 2% on investments and how savings may accumulate. It assumes the investments have a fixed annual 7% return before expenses with no distribution or tax considerations and does not imply future returns. The example assumes each employee has a salary of $75,000 in year one and receives a 3% merit raise each year on-going. In addition, the employee contributes 5% of her salary each year and receives a 3% of salary company matching contribution.

  • * ShareBuilder 401k plans range from 21% to 68% less than the industry average at various data points from a $50K plan with 6 participants to a $100M plan with 2,000 participants based on 401(k) Averages Book 2019 Data and Custom Benchmarking report prepared for ShareBuilder Advisors. Cost comparisons are based on plan assets and number of participants and reflect core on‐going 401(k) plan expenses that a company and/or its employees can expect to incur as a percentage of assets with most any 401(k) plan. This includes administration, recordkeeping, tax filing prep documents, plan testing, fund expense ratios, and other investment costs passed on to every participant to service the plan. It does not include unique employee-initiated transactions such as loans, distributions or employer transactions such as plan amendments. ShareBuilder 401k pricing is based off standard pricing rates for our typical Safe Harbor 401(k) plan design. This claim is not applicable to Solo 401(k) plans.