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 New and Existing Plans $390 Setup Investments Available:
    •  Mix-and-match investments
    •  Up to 25 investment options
Monthly
Employer Fees
$150
Employee Fees Monthly Recordkeeping Fee $5 per participant
Annual Custodial and Trading Fee* 0.07%
Plan4Most plans reimburse sub-TA fees back to the participants.

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

January 2018. Pricing subject to change.

Solo(k) Pricing

Solo(k) plans provide all the same benefits of a 401(k) plan but are built for owner-only organizations, such as:

  • Owner-only businesses whose only employees are the owner or the owner and spouse.

  • Partnerships whose only employees are partners or partners and spouse.

  • C and S corporations where the corporation has only one shareholder and the only employees are the shareholder or shareholder and spouse.

Open Architecture: Plan4One Solo(k)
One-time Costs New Plan $50 Setup Investments Available:
    •  Mix-and-match investments
    •  Up to 25 investment options
Existing Plan $150 Conversion
Monthly
Employer Fees
If under $250,000 $25
If over $250,000 $30
Employee Fees Monthly Recordkeeping Fee $4 per participant
Annual Custodial and Trading Fee* 0.07%
Solo(k) plans reimburse sub-TA fees back to the participants

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

January 2018. Pricing subject to change.


Download the Open Architecture Information Sheet (pdf) to learn more about Open Architecture's plan flexibility, investment selections, and more.


Working with a Licensed Financial Advisor or CPA?

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


Are you a Financial Advisor?

Check out our dedicated site for advisors.