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CoPilot 401(k) Fees

There's no such thing as a free 401(k). Unfortunately, others may lead you to believe there is. That's why CoPilot is a low-cost, high-value solution that has transparent pricing. You'll know exactly what you and your employees will be paying before you get your first invoice because the fees aren't hidden.

Download the Understanding Fees and Disclosures (pdf) fact sheet to learn more.
 

Plan4Most Pricing

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

 
CoPilot: Plan4Most 401(k)
One-time Costs New and Existing Plans $390 Setup
Monthly
Employer Fees
$100
Employee Fees Monthly Recordkeeping Fee $5/participant
Annual Custodial and Trading Fee* 0.07%
Annual Investment Fiduciary 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.

 

January 2018. Pricing subject to change.

 

For example, an employee with $10,000 in retirement savings with CoPilot would only pay a little under $8 per month.
 

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.

 
CoPilot: Plan4One Solo(k)
One-time Costs New Plan $50 Setup
Existing Plan $150 Conversion
Monthly
Employer Fees
$25
Employee Fees Monthly Recordkeeping Fee $5/participant
Annual Custodial and Trading Fee* 0.07%
Annual Investment Fiduciary 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%

Solo(k) plans reimburse sub-TA fees back to the participants.

 

January 2018. Pricing subject to change.

 

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).

Already have a plan?

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

 
 

CoPilot is a bundled retirement service and is not an independent entity. Services for CoPilot are provided by PAi, PAi Trust Company, Inc. and Employer Retirement Investment Advisors, LLC, (eRIA) all of which are affiliated business entities under common control and ownership interest. Investment advisory services are provided by eRIA, an SEC registered investment adviser. eRIA’s Form ADV Part 2A (Client Brochure PDF) is also available by contacting eRIA at 877.357.7031. Any other business entities referenced are independent of and not under common control with any of PAi, PAi Trust or eRIA.

This information is distributed for educational purposes and is not to be construed as an offer, solicitation, recommendation, or endorsement of any particular product, security or service nor should it be construed as financial, legal, tax or investment advice.

The Years of Retirement calculator is for illustrative purposes only. The estimates provided through this calculator are inherently uncertain and are not, in any way, a guarantee of future results.