Pricing and Plan Options

Why Alpha401k? We help you offer a superior 401(k) plan that REDUCES your 401(k) Administrative burden while INCREASING participants results through a low-cost and high-touch savings plan. Stay fiduciary compliant, retain top talent and feel good knowing you offer a superior 401(k) plan.

Tax Credit for Starting a Retirement Plan? Yes that is correct! Visit the IRS.GOV website to read about the credit available to businesses that start a retirement savings plan!

Startup Plans? Yes, we can help you get started with a 401(k). Startup plans comes with a one time fee. This fee is deducible on the businesses income taxes!

Safe Harbor Option? What are the pros and cons and should I select it? Learn More!

Plan Comparison

Plan Types

Alpha

Startup

401(k)

Plan

Alpha

Premier

401(k)

Plan

Alpha

Custom

401(k)

Plan

Typical Business

Best for the startup to small 401(k) plans, seeking a low cost solution while utilizing State-of-the-art technology including paperless enrollment.

Typical plan size is between

$0 – $1 Million Dollars.

Best for the existing 401(k) plan with at least 1 million in assets, while utilizing State-of-the-art technology including paperless enrollment.

 Typical plan size is between

$1 – $5 Million Dollars

Best for Medium to Large retirement plans with custom 401(k) and unique plan structure design needs, while providing access to Self-directed brokerage accounts.

Plan Size Vary.

Plan Fees 

Employer Fee

(Flat Fee)

$750 Per  Year

+ $0 Per Participant
(Per Month)

Billed Quarterly at $187.50

$480 Per Year

+ $8 Per Participant*
(Per Month)

Billed Annually (at plan anniversary)
*The first 5 participants are of no additional charge!

$1450 Per Year

+ $2.50 Per Participant
(Per Month)

Billed Annually (every November)

Employee Fee

(Asset Based Fee)

1.15% Per   Year

+ $0 Annually

=

0.35% Per   Year

+ $0 Annually

=

0.50% Per Year

+ $50 Annually

=

Administration & Co-Fiduciary Adviser

1.05% Per Year

< $1M = 1.05% Per Year
< $3M = 0.95% Per Year
< $5M = 0.84% Per Year
> $5M = 0.74% Per Year

+

.25% Per Year

< $1M = N/A
< $3M = 0.25% Per Year
< $5M = 0.25% Per Year
> $5M = 0.20% Per Year

+

.40% Per Year

< $1M = 0.40% Per Year
< $3M = 0.30% Per Year
< $5M = 0.25% Per Year
> $5M = 0.20% Per Year 

+

Investment Expense*

* Based upon Alpha Model Portfolios

.10% Per Year

.10% Per Year

.10% Per Year

This fee is billed directly from each participant’s account, however if elected this fee can be paid by the employer. 

One Time Employer

Startup Fee

$500

$500

$1250

+ $10 Per Participant

Startup fees are 100% tax deducible. 

A tax credit is also available for starting a employer sponsored savings plan! Learn more via our blog. 

Investment Selection

Investment Options

20-30 ETF’s

40+ Mutual Funds

10,000 + Investments

Stable Value Fund

Yes!

No

Yes!

Index Funds

Yes!

Yes!

Yes!

Active Funds

No

Yes!

Yes!

Institutional Funds

No

Yes!

Yes!

Self-Directed Brokerage Account

(i.e. linked trading account)

No

No

Yes!

Participant Services

Specific Investment Advice

Yes!

Yes!

Yes!

Annual Training

Yes!

Yes!

Yes!

Quarterly Financial Newsletter

Yes!

Yes!

Yes!

Year Round Financial Guidance

Yes!

Yes!

Yes!

Dedicated Certified Financial Planner(TM)

Yes!

Yes!

Yes!

Fiduciary Compliance

Compliance Testing

Yes!

Yes!

Yes!

Fiduciary Updates & Oversight

Yes!

Yes!

Yes!

Fiduciary Documentation

Yes!

Yes!

Yes!

Plan Structure

Flat Admin Fee

No

Yes!

Yes!

Safe Harbor
Add On

Yes!

Yes!

Yes!

Profit Sharing Add On

Yes!

Yes!

Yes!

Profit Sharing “New Comparability Plan"

Yes!

No

Yes!

Participant Loans

Yes!

Yes!

Yes!

Custom Vesting and Eligibility

Yes!

Yes!

Yes!

Please Note: This pricing schedule is an estimate only. The Fiduciary Adviser fee will vary based on the number of participants and the plan asset size. Pricing is based on the Alpha401k Third Party Administrator. If an alternative TPA is selected, pricing options will differ.