Pricing

Harness the power of 401k Enginuity as a…

-- Purchase (we brand it for you, you own it),

-- Lease (we brand it for you, you rent use of it, your personnel run it from your data processing center), or

-- Proxy License (we brand it for you, then you outsource its day-to-day operation and management to one of our secure data centers).

Goto 401k Enginuity Wholesale Pricing.

Be Competitive…
401k Enginuity will enable your company to be VERY competitive in the 401k marketplace, particularly within the barely tapped small business 401k market, wherein, according to government statistics, nearly 80% of U.S. businesses with 100 or fewer employees do not offer an 401k plan, primarily due to the plans' costs.

-- With 401k Enginuity's average wholesale (i.e., cost to you) price of $15 per participant per year (see our Wholesale Pricing), a 20-person plan branded as your own and featuring your investment lineup costs you just $300 a year. That means you can retail the plan at a VERY competitive price: see our Retail Price Comparison chart below for examples.

-- 401k Enginuity's low wholesale cost coupled with its self-service administration capabilities assures your company ultra-high margins, recasting administration fees from a break-even proposition to a true profit center; the size of that profit center is yours to determine because retail pricing is left completely to your discretion. For suggested retail pricing, view our Suggested Retail Pricing window.

-- 401k Enginuity means you offer a complete, per-client-customized 401k via your company website, thereby leveraging plan sponsors' and participants' weekly visits into new sales opportunities also offered within that website.


Retail Price Comparisons



Baseline Retail Price
(20 person plan)


Baseline Retail Price
(100 person plan)

Notes, Additional Fees

Your Branded 401k Enginuity
(figures are suggested retail pricing; see footer link)

$1,000/yr*

$2,000/yr*

$500 first-year-only setup fee*
Unlimited investment choice (both in terms of absolute number as well as type of investments)

EZ401

$2,520/yr
($1800 annual fee + $36/partic. fee)

$5,400/yr
($1800 annual fee + $36/partic. fee)

$401 setup fee
$125/loan
$100/distribution
certain investment fees may apply (in addition to any normal asset-based fees)
Prepackaged investments only

Emplanet

$2,400/yr
($2000 annual fee + $20/partic. fee)

$4,000/yr
($2000 annual fee + $20/partic. fee)

$75/new loan
$25/withdrawal
transfer plans incur higher annual & participant fees
Prepackaged investments only

Fidelity e401k

$2,150/yr
($1750 annual fee + $20/partic. fee)

$3,750/yr
($1750 annual fee + $20/partic. fee)

$750 setup fee
$75/loan
$25/distribution
$1000 plan transfer fee (if applicable)
Nondiscrimination testing fee of $0-$1000 (fee contingent upon plan design)
Fidelity Funds investments only

Principal ImpactPlus

$2,100/yr
($1700 annual fee + $20/partic. fee)

$3,700/yr
($1700 annual fee + $20/partic. fee)

$500 setup fee
$40/loan + $8/quarter paid by participant
Principal Funds investments only

*Based on Suggested Retail Pricing. Actual retail pricing is at your discretion. To view wholesale annual pricing (i.e., what you pay), click here to open our annual pricing in a secondary window.