A Full Suite of 401(k) Plan Features

401(k) plans are designed to be flexible in helping employees meet their financial goals—and make it easier for plan sponsors to manage 401(k) benefits. Every ShareBuilder 401k plan offers an abundance of features that can help make your plan a success.

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Features We Offer for All Plans

Our founding principles of providing easy, affordable and smart retirement plans are the bedrock of ShareBuilder 401k. We designed our investment offerings to combine diversification and low expenses, selecting a high-quality1, low-cost ETF fund lineup managed by our expert Investment Committee.

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    Automatically enroll your employees into the program to help them get on the road to saving.

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    Qualified Default Investment Alternatives (QDIA):

    For auto-enrolled employees or those who roll other monies in, if they haven’t selected an investment direction, QDIA puts money in an appropriate portfolio, which also protects the employer from a potential employee complaint.

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    Model Portfolios:

    Our model portfolios allow participants to use both their level of risk-aversion and their time until retirement to help pick an appropriate model portfolio. This can help make it easier for participants to select appropriate retirement investments.

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    Participants can keep the appropriate amount of assets in each asset category (equity, fixed income, cash) and maintain it by taking advantage of auto-rebalancing. Asset allocation is often considered the most important aspect to manage when planning on how to achieve goals that are in line with an individual’s risk tolerance.

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    Roth 401(k):

    A Roth 401(k) allows an employee to make after-tax contributions to a 401(k), up to the current employee contribution limits. Once in retirement, these funds aren’t taxed—even the earnings—during withdrawal. Note that by regulation, all employer matches are made pre-tax. Employees have the option to use or not use the Roth 401(k) feature.

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    Videos, Guides and Tools:

    Many employees are eager to learn on their own. We provide a suite of ways to do just that, while also providing in-person and care center teams to help, too.

Money Management and Integration for Control and Ease

  • Employee and employer contributions are online and automated with many top payroll providers

  • Employee loans and hardship withdrawals options with review for approval capabilities

  • Employee distributions

  • Automated IRA rollovers

Plan Sponsor Management Made Simple and Online

  • Adding/terminating employees

  • Seamless payroll submissions

  • Compliance testing

  • Profit sharing

  • Signature-ready Form 5500s

We offer almost every ERISA-compliant plan options available, from Safe Harbor and Traditional plans with vesting, to Advanced Profit Sharing or even more unique designs such as Davis-Bacon.

1 High-quality Funds: The ShareBuilder Advisors Investment Committee conducts an annual review of the Exchange Traded Funds offered as ShareBuilder 401k fund options. This review includes multiple variables including length of time since inception, asset level, historic performance over one to ten years, expense ratio, and how the funds compare to their benchmark indices. Each fund is monitored, and changes are made to the fund lineup as needed to align the investment options to the Investment Committee’s investment policy.