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

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

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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


Access 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 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.
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 index funds for market returns or try to earn more net-of-fees with a financial advisor.
  • Professional investment advice – Choose target date funds or a financial advisor for professional asset allocation.

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How to retire sooner with Employee Fiduciary

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.

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 and 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.

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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.

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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.

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