The Most Cost-Efficient 401(k) for Small and Medium-Sized Businesses

The secret to a faster retirement is a low cost 401(k) plan from Employee Fiduciary. Sign up today and get one step closer to financial independence tomorrow.

Request a Proposal Calculate Your Savings

Low Cost 401K

Lowest Fees in the Country

Keep more of your hard-earned savings! Nobody charges less for a custom retirement plan. 

Expert Service

Real People,
No Robots

You’ll talk to a dedicated person from the beginning to the end. We’ve got your back.

Investment Freedom


Choose the investments you want - including cost-efficient index funds and ETFs - without markup.

The 401(k) Pitfalls That Delay Retirement

To retire as soon as possible, you must avoid three 401(k) pitfalls throughout your working years: 

  • High fees – By the time you retire, high fees can cost you hundreds of thousands of dollars in lost principal and compound interest.
  • Underperforming investmentsStudies show index funds tend to outperform comparable active funds. You should earn no less over time, net of fees.
  • Inappropriate asset allocation – Investing too conservatively when young can cost you gains, while investing too aggressively when older can cost you unrecoverable losses.
Employee Fiduciary, 401(k) for small business

How Employee Fiduciary Will Help You Retire Sooner 

Nobody makes it easier to avoid 401(k) pitfalls than Employee Fiduciary. Here's how we do it:

  • Low and transparent fees – Know you are paying as little as possible with our transparent fees. 
  • Cost-efficient investments – Choose leading index funds or a financial advisor to earn at least market returns, net of fees.
  • Professional investment advice – Choose target date funds or a financial advisor to avoid inappropriate asset allocation.

Request a Proposal

How to retire sooner with Employee Fiduciary

Your Path to Faster Retirement Starts Here

Starting a new 401(k) can feel overwhelming. We’re going to lay it out for you in a way that’s straightforward and transparent. Here are the steps:


Talk to a person,
not a bot

Whether you have questions about our services or 401(k) plans in general, we have answers. Get matched with a consultant that puts your goals, needs, and budget first.


Design a cost-
efficient plan

The wrong plan can cost participants hundreds of thousands of dollars. Keep more of your hard-earned savings with a customized plan that helps you maximize your returns.


Start saving
and enjoy

The secret to faster retirement is a cost-efficient plan. Sign up with Employee Fiduciary today and get one step closer to financial independence tomorrow.

What our customers are saying…
  • “I can now sleep at night knowing that Employee Fiduciary has no hidden charges. My bookkeeper who processes the contributions each week has commented how simple it is. Thank you EF”
  • “We have been very pleased with Employee Fiduciary. They’re responsive and great at demystifying 401(k) management. The fee structure is low-cost and transparent and they offer a broad range of investment options. They’ve worked very well for us.”
  • “With all of the headaches associated with running a business, you have far exceeded my expectations in completing this conversion process.”

    The Bottom Line

    The secret to a faster retirement is a cost-efficient 401(k) plan that makes appropriate investing simple for participants.

    No 401(k) provider makes it easier for small and medium-sized businesses to offer such plans than Employee Fiduciary. With us, you’ll feel confident that you’re not being taken advantage of and are on the right path to retirement.

    Request a Proposal

    Employee Fiduciary, the most cost-efficient 401(k) for small businesses

    Calculate How Much Faster We Can Help You Retire!

    To help you maximize your investment returns, we are committed to keeping our 401(k) fees as low as possible.

    Our low fees help you retire sooner than competitors. Use our 401(k) fee comparison tool to see how much faster.

    Calculate Your Savings

    1.49% of plan assets (2)

    Have Retirement Plan Questions? We Have Answers

    Our Knowledge Center provides unbiased retirement plan education for both employers employees. 


    Safe Harbor 401(k) Plans - Frequently Asked Questions

    Safe harbor 401(k) plans are the most popular type of small business 401(k) today. Check out our FAQ to help decide whether one is right for your company.

    Read Now ›


    401(k) Fee Study - 75% of Small Business Plans Pay Hidden Fees

    “Are my 401(k) fees too high?” is a common question asked by both plan sponsors and participants. Our small business fee study offers perspective.

    Read Now ›


    401(k) Retirement Planning – 4 Steps to Retire as Soon as Possible

    Some basic retirement planning can dramatically reduce the out-of-pocket cost of your retirement. Our 4-step plan requires no investing knowledge at all.

    Read Now ›

    As Featured In...
      • Forbes
      • Inc.
      • Bloomberg Business
      • Wall Street Journal
      • Plansponsor logo
      • Advisory HQ