The whole fee schedule
Affordable, flat, and published. Nothing buried in the fund lineup.
Three questions before your quote
Answer these and we can come back with real numbers instead of a sales pitch. It takes about ten seconds, on any screen.
Prefer the long version? Read the cost transparency overview first.
More than plan sponsor and online access
When you rely on our full-service retirement plan solutions, you gain a lot more than just plan sponsor and online access.
Low Costs, Fee Transparency
$500 annual base fee plus $20 per participant per year. There are no other employer fees, and the pricing is published where everyone can see it.
PricingPayroll Integration Included
Contributions flow from payroll to the plan without re-keying. Integration is part of the program, not an add-on with its own invoice.
Payroll IntegrationSimplified Management
Built for busy business owners. Administration is handled for you, so sponsoring the plan does not become a second job.
Administration15,000+ ETFs & Funds
Investments include all mutual funds, ETFs, and securities available in a 401k. Your lineup is not limited to a proprietary menu.
Mutual Funds & ETFs
Open architecture, independently reported
Investments include all mutual funds, ETFs, and securities available in a 401k. Fiduciary services and Morningstar reporting keep the lineup accountable.
Get started today in three easy steps
From first quote to a running plan, the heavy lifting stays on our side of the table.
Get a Quote
Tell us your headcount and whether you have a plan today. You get the full fee schedule up front: $500 base, $20 per participant, nothing else for the employer.
Design & Setup
We customize the plan to your business, from plan type to profit sharing with classes, and connect payroll integration so contributions run themselves.
Ongoing Support
Administration is simplified for the employer, and employees are fully supported ongoing with education and investment guidance at no additional cost.
A nationally popular, complete-solution, low cost retirement plan for busy business owners
What makes us different
Most 401k providers hand you sponsor access and a login, then disappear. USA 401k is built as a complete solution: full-service plan design, simplified administration for the employer, payroll integration included, and fee transparency you can verify against the published pricing.
Your employees are the point of the plan, so they are supported the whole way. Education and investment guidance are part of the program at no additional cost, not an upsell.
Ready to get started
Send your headcount and current plan details. You get the full fee picture back, in writing, with no other employer fees hiding behind it.