Choose Any Investment
  

Employee Fiduciary offers any investment, regardless of fund family, without keeping any asset-based fees. Employers may choose from more than 16,000 investments, including low-cost index funds and exchange-traded funds (ETFs) from leading providers, such as Vanguard, Fidelity & Barclays.1

  
   
 

Employee Fiduciary shows plan sponsors how to select a diversified set of investments that meets the requirements of ERISA, offers market returns with the lowest investment management fees in the industry.2

  
     
  No matter which investments an employer selects, Employee Fiduciary never marks-up the cost of investments or charges “wrap” fees. And it returns all third-party revenue received, such as 12b-1s and vendor “revenue sharing,” to plan participants.  
     
 

Unsure which investments to select?

  
   
The EF Smart Plan
  Employee Fiduciary’s EF Smart Plan offers a menu of the lowest cost index funds and ETFs available for 401(k) and profit-sharing plans.  
     
 

Mutual fund company fees on the investments in the EF Smart Plan average less than 1/5th of 1% (20 basis points), which is 80% less than the investment fees paid by the average participant in comparable 401(k) plans. Making this change alone can add $67,434 to a $100,000 investment over 20 years, assuming a 7% rate of return.

  
     
   
Self-Directed Accounts
 

Some plan participants, often executives or business owners, prefer the freedom to select their own 401(k) investments. Through Ameritrade,1 Employee Fiduciary offers self-directed accounts, giving active traders access to nearly every publicly traded investment at no mark-up or additional cost to the plan. As with all our core 401(k) plans, Employee Fiduciary never takes any revenue sharing and returns any third party revenue, such as 12b-1 fees, to investors.

  
   
   
  1 Employee Fiduciary Corporation is independently owned and has no affiliation with Barclay’s Global Investors, Fidelity Investments, Vanguard or Ameritrade.  Employee Fiduciary Corporation accepts no revenue from these vendors or any other vendors with whom it works.  
   

 

2 Employee Fiduciary offers clients guidance on how to comply with ERISA Section 404(c), which requires plan sponsors to operate plans in the best interest of employees and to offer employees “suitable and prudent investment alternatives.”  Employee Fiduciary does not offer individualized investment advice and makes no representation, either explicit or implied, regarding the suitability of specific investments, funds or family of funds for any particular plan.  
   
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