$120 a month + $4 per employee / month
We are a low-cost, high-service 401(k) provider. For perspective, we can help you offer a retirement savings plan for your entire company for less than the cost of a single employee’s health insurance!Learn more about our investment philosophy
Full product features for admins and participants
Full HR & compliance services
Award-winning investment strategy
HR & compliance services
IRS Form 5500 and plan document preparation and filing
Participant disclosures, QDIA, and annual plan notifications
IRS non-discrimination testing and monitoring
Full account support & customization
Dedicated account manager
Flexible plan design and options: safe harbor, profit-sharing, Roth & Traditional, 403(b), vesting, automatic enrollment, eligibility, discretionary match, etc.
Seamless conversion process for existing 401(k) plans
average fund fees
401(k) account designed for employees
15-minute online signup process
Check your balance or change your contributions online at any time
Support for loans and hardship withdrawals
Free incoming and outgoing qualified rollovers
Ongoing email and phone support
Investment advising services
Automated investment advising and portfolio rebalancing
Financial literacy training and resources
Access to low-cost index funds and 30,000+ fund options from Charles Schwab, Vanguard, BlackRock, Fidelity, etc.
3(38) or 3(21) fiduciary status to protect your assets
Investment advising and fiduciary status are provided through Human Interest Advisors, LLC
Our model is designed very intentionally to do three specific things:
Make it affordable for employers to offer a 401(k) without hiding any fees in the fine print.
Keep fees low for employees, in addition to providing advising, so they can save as much money as possible.
Charge enough so that we don’t cut corners in the administration and security of your 401(k).