Low cost retirement plans for small and mid-sized companies nationwide.

Investment options and services from Employee Fiduciary equal or exceed the best in the country.

Start Saving
Low Cost 401K

Low Cost

No more hidden fees! As “America’s Low Cost 401(k)”, our low fees let participants keep more of their retirement savings.

Learn More
Expert Service


Experience matters. Founded in 2004, we serve 75k participants with $2.4B in assets. We’ll earn your trust with our competence.

Learn More
Investment Freedom


Choose any mutual fund or ETF you want with zero markup! Choose from Vanguard, Fidelity and hundreds of other low cost options.

Learn More
    • Forbes
    • Inc.
    • Bloomberg Business
    • Wall Street Journal
    • Plansponsor logo
    • Advisory HQ
    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.”

      401(k) Fee Comparisons

      Check out our database of over 100 small business 401(k) fee comparisons and learn how much you can save by switching to Employee Fiduciary

      See Comparisons