Open Architecture

PAi’s open architecture 401(k) platform enables you to customize a plan that fits your employees’ retirement savings needs. You and your financial advisor will select the investments that will be used in the plan. Open Architecture includes best-in-class support, access to over 30,000 investments, and transparent pricing.

Open Architecture is a low-cost service for an employer that is looking for the ultimate flexibility in investment selection and typically has a financial advisor on the plan.

In addition to the administration and recordkeeping of the plan, PAi provides:

Plan4Most Pricing

Plan4Most 401(k) plans are designed for any business that has non-owner, full time employees.

Open Architecture: Plan4Most 401(k)
One-time Costs Start-up Plan $390 One-Time Setup Fee
Conversion Plan $1,390 One-Time Setup Fee
Monthly Employer Fees 1-10 Participants $125 Monthly Admin Fee
11-25 Participants $175 Monthly Admin Fee
26-50 Participants $200 Monthly Admin Fee
51-100 Participants+ $225 Monthly Admin Fee
101+ Participants $275 Monthly Admin Fee
Employee Fees PAi Monthly Recordkeeping Fee $4/participant
Payroll Integration Fee $1/participant
Annual PAi Trust Custodial and Trading Fee* 0.07%
BenefitMall Account Service Fee* 0.25%
 

*Fees are shown in annual terms but are deducted monthly.
+Investment Fiduciary Fee is banded based on assets in plan:
    •  First $2 Million: 0.25%
    •  $2 Million to $5 Million: 0.20%
    •  Above $5 Million: 0.10%

Plan4Most plans reimburse sub-TA fees back to the participants.

*Fees are shown in annual terms but are deducted monthly.

As of 01/01/2019. Pricing subject to change.


Already have a plan?

Upgrading to CoPilot is quick and easy. Contact one of PAi's retirement specialists for a free cost comparison to your current retirement plan. 

Starting a new plan?

Did you know you may be eligible for a tax credit for three years after setting up a new plan? Ask your tax professional about the potential benefits of starting a 401(k).


 

Working with a Licensed Financial Advisor or CPA?

We can work with him/her to help get your plan setup.