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The 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.

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Lowest Fees in the Country

Keep more of your hard-earned savings! Nobody charges less for a custom retirement plan.
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Real People, No Robots

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

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

The 401(k) Pitfalls That Delay Retirement

To make retirement as affordable 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 funds

Studies show index funds tend to outperform comparable active funds over time, net-of-fees. You should earn no less.

Inappropriate asset allocation

Investing too conservatively when young can cost you gains, while investing too aggressively when older can cost you unrecoverable losses.

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 funds

Choose index funds for market returns or try to earn more net-of-fees with a financial advisor.

Professional investment advice

Choose a target date fund or hire a financial advisor for professional investment advice.

Calculate How Much Faster We Can Help You Retire!

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


1-49% of plan assets (1180 x 798 px) (7)

Calculate Your Savings

Your Path to a Faster Retirement Starts Here

Starting a new 401(k) can seem 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 sales consultant that puts your needs and budget first.


Design a custom retirement plan

Business owners can have dramatically different goals for their 401(k) plan. Once you sign up, we'll help you design a plan that meets your goals for the lowest cost.


Start saving and enjoy

Once your 401(k) plan is designed, we will get it up-and-running as quickly as possible so you and your employees can begin benefitting.

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.

Have Retirement Plan Questions? We Have Answers

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

A Guide to Safe Harbor 401(k) Plans for Small Businesses - Including SECURE 2.0 Changes

A Guide to Safe Harbor 401(k) Plans for Small Businesses - Including SECURE 2.0 Changes

Safe harbor 401(k) plans are popular with small businesses who struggle to pass IRS-mandated nondiscrimination testing. Our guide answers common questions.

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401(k) Retirement Planning – 4 Steps to Retire On-Time

401(k) Retirement Planning – 4 Steps to Retire On-Time

Some basic retirement planning can dramatically reduce the cost of retirement for 401k participants. Our 4-step plan requires no investing knowledge at all.

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

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 can give some perspective.

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