ShareBuilder 401(k) Full Pricing Disclosure
We work hard to keep your plan administration costs affordable and participant fees under 1%.
We’re dedicated to providing you with simple and open pricing, making it easy to see what you’ll have to pay. All of the fees that we could ever charge are plainly listed right here.
No other 401(k) provider that we’ve seen offers a complete, transparent fee schedule up front — in fact, if you can find one, we’ll give you $50 off your 401(k) plan setup charge!
Please review our pricing and let us know if you have any questions. We welcome your call at 800.943.6108, option 1.
| PLAN4ONE (owner-operated) |
PLAN4TEN (2–10 participants, Safe Harbor) |
PLAN4MOST (2+ participants) |
|
|---|---|---|---|
| One-time setup | $195 | $495 | $995 |
| Monthly administration |
$15 per participant |
$95 | 2–15 participants: $100 16–50 participants: $150 51+ participants: $200 |
| PLAN4ONE (owner-operated) |
PLAN4TEN (2–10 participants, Safe Harbor) |
PLAN4MOST (2+ participants) |
|
|---|---|---|---|
| ACH change notice (client error or non-sufficient funds) |
$50 | $50 | $50 |
| Determination letter filing | $75 per hour |
$75 per hour |
$75 per hour |
| IRS submission (determination letter) |
$300 | $300 | $300 |
| DOL or IRS audits | $600 base plus $100 per hour over five |
$600 base plus $100 per hour over five |
$600 base plus $100 per hour over five |
| Custom requests | $75 per hour |
$75 per hour |
$75 per hour |
| Federal filing extension | $100 | $100 | $100 |
| Roth plan amendment | $200 | $200 | $200 |
| Other plan amendment | $100 | $100 | $100 |
| Plan migrations | to PLAN4TEN: $250 to PLAN4MOST: $250 |
to PLAN4MOST: $250 to PLAN4ONE: $400 |
to PLAN4ONE: $400 to PLAN4TEN: $400 |
| Plan terminations | $125 | $600 base plus $50 per participant |
$600 base plus $50 per participant |
| Plan transfers | $75 per hour |
$500 | $500 |
| Annual account fee* | 0.75% |
|---|---|
| Distributions & withdrawals | $50 per event |
| Loans | $75 per loan |
| Transfer-in-kind | $50 |
These fees are applied to each person who participates in your company’s ShareBuilder 401(k) plan:
- Our asset management fee is charged quarterly and amounts to 0.75% of a participant’s assets per year.
- Our portfolios’ average investment expense ratio is 0.21%.
Our total fees, on average, are under 1% of assets.
There are only three other nominal fees a participant may ever incur:
- a distribution or withdrawal fee,
- a loan fee,
- or a transfer-in-kind fee.
Our selections are index-based investments called Exchange-Traded Funds (ETFs). These market-efficient products offer low expense ratios and diversification. In our 401(k)s, you can purchase and trade ETFs with no transaction fees!
The following chart illustrates annual expense ratios on our ETF selections:
| Symbol | Fund | Category | Ratio |
|---|---|---|---|
| SPY | SPDRs | Large Blend | 0.11% |
| IWF | iShares Russell 1000 Growth Index | Large Growth | 0.20% |
| QQQQ | NASDAQ 100 Trust Shares | Large Growth | 0.20% |
| DIA | DIAMONDS Trust, Series 1 | Large Value | 0.18% |
| IWD | iShares Russell 1000 Value Index | Large Value | 0.20% |
| MDY | MidCap SPDRs | Mid-Cap Blend | 0.25% |
| DVY | iShares Dow Jones Select Dividend Index | Mid-Cap Value | 0.40% |
| IWM | iShares Russell 2000 Index | Small Blend | 0.20% |
| Symbol | Fund | Category | Ratio |
|---|---|---|---|
| IEF | iShares Lehman 7–10 Year Treasury | Intermediate Term Bond | 0.15% |
| AGG | iShares Lehman Aggregate Bond | Long Government | 0.20% |
| TIP | iShares Lehman TIPS Bond | Intermediate Government | 0.20% |
| SHY | iShares Lehman 1–3 Year Treasury | Short Government | 0.15% |
| Symbol | Fund | Category | Ratio |
|---|---|---|---|
| ICF | iShares Cohen & Steers Realty Majors | Specialty — Real Estate | 0.35% |
| EEM | iShares MSCI Emerging Markets Index | Diversified Emerging | 0.78% |
| EFA | iShares MSCI EAFE Index Fund | Foreign Large Blend | 0.35% |
| Symbol | Fund | Category | Ratio |
|---|---|---|---|
| BDMXX | RBB Fund, Inc: Bedford Shares | Money Market | 0.90% |
Use our 401(k) Cost Comparison worksheet to get all the facts you need. You can also see the performance numbers for the above funds.
Questions or concerns? Please feel free to call us at 800.943.6108, option 1. We’re always happy to answer your questions about 401(k)s.