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ShareBuilder 401k clients save up to 68% on 401(k) costs compared to the industry average.1
Getting on the road to retirement has never been easier or more accessible with 401(k) plans for your business starting at less than $100 a month.
We keep 401k investment expenses under 1%, so you keep more of the money you save. Plus, as plan assets increase, certain costs are automatically reduced.
Thanks to the Secure Act, you can save up to $15,000 in tax credits2 and deductions for your business over the first three years of your first plan.
Getting on the road to retirement has never been easier or more accessible with 401(k) plans for your business starting at less than $100 a month.
We keep 401k investment expenses under 1%, so you keep more of the money you save. Plus, as plan assets increase, certain costs are automatically reduced.
Thanks to the Secure Act, you can save up to $15,000 in tax credits2 and deductions for your business over the first three years of your first plan.
Solo 401(k) Starting at $25/month for adminstration |
Safe Harbor 401(k) Starting at $95/month for adminstration |
Traditional 401(k) Starting at $115/month for adminstration |
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Best for... | Self-employed, owner-only, and spouses contributing >$6K per year. | Ensuring owners and highly compensated employees can contribute to the plan without restrictions. | Businesses that want the flexibility in matching or not, vesting schedules, and employee eligibility. |
Matching is... | Not Applicable. May contribute as an employee and an employer! | Required | Optional, but may limit owner contributions. |
Profit-sharing option is... |
May profit share and/or contribute as an employee. | Standard option available. | Standard option available. |
IRS testing is... | Not applicable. There are rules for how much you may contribute. | Automatically satisfied! | Required |
Vesting schedule is... | Not applicable to employer match,may have profit share vesting if using. | Not applicable to employer match,may have profit share vesting if using. | An option with various percentages and years.May also choose not to use this feature. |
Solo 401(k) Starting at $25/month for administration |
|
---|---|
Best for... | Self-employed, owner-only, and spouses contributing >$6K per year. |
Matching is... | Not Applicable. May contribute as an employee and an employer! |
Profit-sharing option is... | May profit share and/or contribute as an employee. |
IRS testing is... | Not applicable. There are rules for how much you may contribute. |
Vesting schedule is... | Not applicable to employer match, may have profit share vesting if using. |
Safe Harbor 401(k) Starting at $95/month for administration |
|
---|---|
Best for... | Ensuring owners and highly compensated employees can contribute to the plan without restrictions. |
Matching is... | Required |
Profit-sharing option is... | Standard option available. |
IRS testing is... | Automatically satisfied! |
Vesting schedule is... | Not applicable to employer match, may have profit share vesting if using. |
Traditional 401(k) Starting at $115/month for administration |
|
---|---|
Best for... | Businesses that want the flexibility in matching or not, vesting schedules, and employee eligibility. |
Matching is... | Optional, but may limit owner contributions. |
Profit-sharing option is... | Standard option available. |
IRS testing is... | Required |
Vesting schedule is... | An option with various percentages and years. May also choose not to use this feature.. |
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The ShareBuilder 401k 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.
Thousands of companies save for retirement with us
Proudly serving 401(k) plan clients in all 50 states
How long we’ve happily served small businesses
Thousands of companies save for retirement with us
Proudly serving 401(k) plan clients in all 50 states
How long we’ve happily served small businesses
Best Retirement Plans of 2020 — July 14, 2020
Best Overall Safe Harbor 401(k)
5 Best Solo 401(k) Providers for 2021 — November 2, 2020
Best Overall for Low-Cost Model Portfolios