401k price comparisons, 401k prices & 401k plan fees and costs

Advisors 401(k) pricing

The cost of your customized Advisors 401(k) plan and 401k plan administration system

PLAN SIZE (in number of eligible employees)
PLAN SIZE (in number of eligible employees)	ADVISORS 401(k) FEE
1 eligible employee (plus spouse)	$465
2-4	$665
5-11	$865
11-15	$965
16-20	$1195
21-25	$1395
26-30	$1595
31-35	$1795
36-40	$2095
41-45	$2295
46-50	$2495
50+	($2495 plus $225 for each additional 5 eligible employees)

With Advisors 401(k), there are...

No trustee fees.

No fees for including (or excluding) loans, employer matching contributions, automatic enrollment, or any of the other Advisors 401(k) plan customization options in your plan.

You save $$$ by doing your 401k plan administration in-house with
Advisors 401(k):
Some 401k price comparisons

We compared the cost of a complete, fully-customized Advisors 401(k) system with the cost of bundled plans offered by a broad cross-section of major national vendors. It's not a perfect comparison, of course: their plans include off-site administration, but ours include superior investment choice, superior plan flexibility, superior asset security, MONTHLY employee statements, MONTHLY compliance testing, and so on.

With
Advisors
401(k) you save 60% or more
off the lowest-priced national vendor plan!

According to HR Investment Consultants in Towson, MD, publisher of the "401k Provider Directory, "the cost of running a 401k plan with 25 participants and $750,000 in assets can range from as little as $6,750 per year to as much as $20,000, depending on which 401k vendor you select.

(Sources: Nation's Business, September 1998, Myers, Randy "Your 401k Plan May Cost You Too Much." Business Week Online, July 2000, Brenner, Lynn "A Wealth of Choices.")

So...

Advisors 401(k) 25-participant plan costs only $1395/yr
(plus the one-time setup fee of $795)

National average for 25-participant plan costs a whopping $6,750/yr to $20,000/yr (plus their plan setup fee) -- even without the flexible options standard to Advisors 401(k) plans!

Since the exact price you pay for Advisors 401(k) depends on the investment approach you choose for your plan, how much you save varies with the investment approach you choose -- and remember while you look at these price comparisons that with Advisors 401(k) there are no trustee fees, no fees for including or excluding any of our plan customization options, monthly (not quarterly) employee account statements, monthly (not semi-annual or annual) compliance testing, and more -- things other 401k providers charge extra for, if they even offer at all!

VIEW price comparisons of 401k plans that use Class A, B, and C mutual fund 401k investments.

Advisors 401(k)'s 30-day money-back guarantee

Your Advisors 401(k) system comes with a 30-day money-back guarantee on everything but the $795 first-year-only plan and 401k software fee. Because this fee is non-refundable, we recommend people considering Advisors 401(k) try out the software, the core of our Advisors 401(k) system.

Try out our 401k software for FREE by downloading it from this website, or...

Order a CD-ROM of our 401k software demo for delivery by mail. If you order the CD-ROM and later purchase an Advisors 401(k), the $35 CD-ROM fee will be applied to your Advisors 401(k) purchase.

Whether downloaded or accessed off a CD-ROM, our 401k plan administration software demo gives you a fully-functioning version of our 401k software. We customize the demo with fictitious data regarding a fictitious company's 401k plan. You can try out the software's many features and time-saving capabilities. Included is an interactive tour to get started.

Our goal at Advisors 401(k) is to ensure that all our clients and their employees have 401k plans they feel good about. If your company purchases Advisors 401(k) and then down the road decides the run-it-yourself approach is not the approach for you, give us a call: We can convert your Advisors 401(k) plan into a traditional, full-service plan at any time. With Advisors 401(k), you're never locked in!

Uncle Sam Wants to Help Launch Your 401(k) Easy.

Under federal regulations, the $795 one-time set-up fee your company pays for a 401(k) Easy may be refunded in the form of a federal tax credit. Most new 401(k) Easy plans qualify to receive this dollar-for-dollar refund, but there are some restrictions. If you are interested in receiving this tax credit, please consult your tax advisor.

Advisors 401(k)'s customization fee is a one-time charge.

One of the great things about Advisors 401(k) plans is that we work with you to shape our IRS-approved prototype 401k plan into one that optimally suits your company's 401k needs. Because we don't charge extra for including or excluding any plan customization items, you can make your decisions based solely on what is best for your company plan. We then hardwire your plan customization choices (eligibility requirements, loan availability, etc.) into your Advisors 401(k) software, empowering the software to take care of most of your 401k plan administration work for you.

The 401k plan and software customization fee is the same for ALL Advisors 401(k) systems.
The plan and software customization fee for ALL Advisors 401(k) systems, regardless of the type of investments used, is $795.

This customization fee is a one-time only fee.

After your company's plan is operational, if it becomes necessary to re-customize the Advisors 401(k) software or modify the documents because of changes initiated by you, there is a maximum charge of $300 to cover additional production costs, handling, and delivery associated with software and/or document changes.

Click the US Department of Labor 401(k) Cost Comparison Worksheet below for a printable PDF version.

Advisors 401(k) means NO trustee fees.

Because Advisors 401(k) plans are designed and IRS-approved as employer-trusted, your company does not need to hire (and thus pay) and outside trustee.

Since 1962 -- well before the 401k plan was even created -- the IRS has allowed retirement plans to be employer-trusted.

With Advisors 401(k), you NEVER have to hire a 401k plan trustee nor face seemingly endless trustee fees!

Advisors 401(k) includes EVERYTHING you need.

Advisors 401(k) comes with EVERYTHING you need to run your company 401k plan in-house:

An IRS-approved prototype 401k plan
We work with you to customize our IRS-approved prototype 401k plan to your company's 401k needs.

Plan-specific forms and materials
Advisors 401(k)'s enrollment, participation and employee education forms and materials explain 401k concepts to your employees while gathering the data needed from them to run your company plan.

401k software
We customize your Advisors 401(k) plan administration software with information about your company and its 401k plan. This customized information works in conjunction with the up-to-date IRS and other governing regulations we also hardwire into the program to streamline your 401k's operation while keeping you apprised of your plan's health and growing wealth.

Investments
You choose both the investment approach (Class A, B or C mutual funds) and then the specific investments you want for you plan.

EZ-FedForms CD-ROM
Our EZ-FedForms CD-ROM includes annotated versions of the 401k-related federal reporting forms (Summary Annual Report, 5500 series, 1099-Rs, and more). With EZ-FedForms, even first-time filings are easy!

401k slide presentation
The convenient video format of our slide presentation makes introducing 401k plans and their tremendous savings potential to your employees easy!

Technical support
You receive FREE technical support in case you need any help getting your plan up and running or doing anything else at any time during the year.

User's Guide
The Advisors 401(k) User's Guide explains what you have to do and how to use the Advisors 401(k) system to do it. The easy-to-read language and format makes 401k plan administration simple even for the 401k novice.

You're never locked in to run-it-yourself 401k plan administration.

If, for any reason, your company decides it no longer wants its 401k plan run in-house, we can quickly convert your Advisors 401(k) plan into a 401k plan serviced by an outside administration company. Just give us a call. Full-service 401k plans CAN be affordable (although not as affordable as Advisors 401(k)!); Pension Service Associates, for instance, has a reputation for quality full-service 401k plans priced for small business budgets.

You receive an upgraded 401k plan administration system every year.

Lawmakers fiddle with 401k-related regulations every year, at minimum adjusting cost-of-living-related contribution ceilings. We update the Advisors 401(k) system every year to reflect such regulatory changes.

Advisors 401(k) software works only for the 401k plan year for which it was written as insurance against you ever operating your run-it-yourself 401k under less-than-current regulations.

All you do is pay your plan fee for the upcoming year (as you would with any 401k plan) and we'll send you your up-to-date customized Advisors 401(k) package. Data from your previous year's 401k software is automatically transferred into your new year's version at a mouse click during the installation process! Then you're ready to go with up-to-date forms, educational materials, and 401k administration and federal reporting guidance.

It is important that you maintain this, or another plan, otherwise you risk disqualifying your plan.

Taxes, shipping and handling are included in all prices.

All Advisors 401(k) prices, whether for the complete 401k system or the software demo, include taxes, shipping and handling costs. What we quote is all you pay.

mutual funds investments | Class A mutual funds | Class B mutual funds | Class C mutual funds