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America's Low Cost 401(k) Plan

With Employee Fiduciary, small businesses get the same low fees, quality services, and investment choices as plans sponsored by our country's largest corporations.

Investment Choices

Choose Any Investment You Want

With complete freedom in how you build your fund lineup, as well as self-directed brokerage accounts from TD Ameritrade, you can invest your money anywhere your heart desires. 


This includes options like...

  • Vanguard
  • Index Funds
  • Exchange-Traded Funds (ETFs)

Customized Plans

Maximize Your Tax Advantage, Minimize Your Cost

We don't sell cookie-cutter 401(k) plans. Instead, we start every plan set up with a consultation where our experts will...


  • Walk you through the plan design process step-by-step
  • Help you decide if a Safe Harbor 401(k) is right for you
  • Discuss plan features that can save you money, minimize admin work, and help you pass annual compliance tests
  • Design an optional employer contribution scheme, including non-elective, matching, or profit-sharing contributions



Zero Markup, Zero Hidden Fees

Many 401(k) providers limit your investment options to high-priced mutual funds that pay them hidden compensation (known as "revenue sharing"). But not us. 


We don't add our own fees on top of your investment costs. So you can pursue your strategy without worrying about excessive fees from Employee Fiduciary. 

Save More with Our Low Fees!

Our Base Fee Covers Up to 30 Employees.
401(k) Plan
Establishment Fee
New(Start-Up) Plans
Annual Fees
Base Fee
Base fee covers up to 30 eligible employees. Each additional employee will add $30 to the base fee.
Existing (Conversion) Plans
Custody Fee
of plan assets
Solo 401(k) Plan
Establishment Fee
New(Start-Up) Plans
Annual Fees
Base Fee
A solo 401(k) plan can only cover business owners and their spouses. A business with other eligible employees cannot adopt a solo plan.
Existing (Conversion) Plans
Custody Fee
of plan assets

...And Up to $16,500 in Tax Credits Make it Even Cheaper

The government may subsidize 50% of your startup costs depending on your employee base and plan design features for 3 years. Our experts will help you maximize your tax credits and provide you with guidance on how to claim them. 

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”

“Employee Fiduciary offers an outstanding product in its plan design and retirement plan administrative services, and manages to do so while providing top-level service and responsiveness at industry-leading low costs.”

“Employee Fiduciary is the lowest cost 401(k) provider I found that provides direct access to low cost Vanguard Index Funds without the typical wrap fees and high expenses.”

Request a Proposal

Get Your Custom 401(k) Proposal Today

Thousands of small businesses across the nation choose Employee Fiduciary. Come see why. Complete the form below and get your 401(k) Proposal.

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