We Lower 401(k) Costs to Help You Save More for Retirement

ShareBuilder 401k is designed to deliver exceptional value by maximizing service while minimizing costs. We want you and your employees to get the most out of your investments.

We believe that keeping costs low and reducing the impact on your plan savings are essential for building bigger nest eggs.

Three Ways We Cut 401(k) Plan Costs

We Eliminate Hidden Fees Including Revenue Sharing and 12B-1 Fees

We sell direct with no investment pass-through fees (e.g. 12b-1s, Sub-TA) or revenue sharing.

ShareBuilder Advisors serves over 6,000 clients and counting! With ShareBuilder 401k, we bundle our investment expertise with a top independent retirement recordkeeper^* to seamlessly run your plan. Our investment approach, growing client base, and technology integration allow us to offer pricing that’s hard to beat. Plus, our fully digital plan purchase and setup process eliminates paperwork, making plan establishment simple and fast.

We Use Low-Expense Index Funds vs. Higher Expense Actively Managed Funds

We use index funds with lower expense ratios (which allow you to keep more of your money invested).

Index funds typically have lower expenses than actively managed funds. Because index funds are built and modeled to track a specific index (e.g. the S&P 500), they do not incur all the added trading and management costs typical with actively managed funds. Many actively managed funds can also contain 12b-1, revenue sharing, and potentially other fees. Historically, most actively managed funds have underperformed their benchmark index over five, ten, and fifteen-year periods.

Our Investment Expertise, Digital Offerings, and Online Plan Management Help Save You Time and Money

Our size and technology allow us to leverage scale for your benefit.

Unlike 401(k) plans sold through financial advisers or insurance agents, our 401(k) Advisors sell direct and aren’t paid revenue sharing or ongoing trails. Some providers may hide 401(k) costs within insurance or mutual fund expenses making it difficult to understand what you’re paying for and why. When you purchase a ShareBuilder 401k plan, all administrative fees and plan costs are fully transparent—so you always know what you’re paying for, with no hidden surprises.

Automatic Pricing Discounts

The more you and your employees save with your 401(k) plan, the more you save with ShareBuilder 401k. Once your plan exceeds a pricing tier, you’ll get an automatic pricing discount on your investment management and/or administration costs. This program has helped clients continually lower costs and eliminate the hassle and pain of regularly negotiating expenses.

Learn More

You should carefully consider information contained in the fund's prospectus, including investment objectives, risks, charges and expenses. For a prospectus containing this and other important information, please visit the fund's detailed quote page in Our ETF Lineup section of the website or give us a call at 800-431-7934. Please read the prospectus carefully before investing.

^*Rated Best in Class by the 2025 PLANSPONSOR DC Survey on February 25, 2025