Pricing

We believe in transparent and fair pricing. 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).

We’re in it with you and your employees for the long haul: just as saving and investing should be!

Pricing
breakdown

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! Our fees are about half the cost of a typical 401(k), while we offer nearly twice the features.

Learn more about our investment philosophy

Employer price breakdown

$120

Base price

Per month

Per employee

Per month

One-time setup fee of $499 may apply

Automated administration

Automated 401(k) administration, payroll sync, and recordkeeping
Automated signup and onboarding for new and existing employees

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

Employee price breakdown

0.50%

Of account balance

Per year

0.08%

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

Low-cost 401(k) with transparent pricing

Learn More