Choose from three plan options, review your monthly fee estimate, and get personal help with plan design and onboarding.
Start a new plan or move your current one. Choose a path below; your onboarding specialist helps confirm the details.
A straightforward plan with fully vested employer contributions and a safe harbor design.
$6,000 for 12 months of base fees
Options 401K base fee for up to 50 participating employees. Annual recordkeeping and 3(38) fees are deducted from plan assets. Employer contributions are separate.
More flexibility to build a retirement plan around your business and your goals.
$4,200 for 12 months of base fees
Options 401K base fee for up to 50 participating employees. Annual recordkeeping and 3(38) fees are deducted from plan assets. Employer contributions are separate.
A guided path for bringing your existing 401(k) plan to Options 401K.
$1,560 for 12 months of base fees
Options 401K base fee for up to 50 participating employees. Annual recordkeeping and 3(38) fees are deducted from plan assets. Employer contributions are separate.
Choose a plan and enter your participating employee count. Get an estimate without entering your contact details.
Include owners who will participate. 51+ receive custom pricing.
No per-participant add-on in the displayed Options 401K base fee. Annual recordkeeping and 3(38) fees are separate.
$350/ month
$4,200 for 12 months of base fees
Recordkeeping and 3(38) fees are deducted from plan assets and are separate from this monthly base-fee estimate.
This is a base-fee estimate, not the total plan cost or a binding quote. Other charges may apply. Review the complete fee disclosure and Adoption Agreement. Tax credits are not deducted.
Start with your business details. No payment collected during signup.
Choose the plan design that fits your business, then confirm it with your specialist.
| Your decision | Option 1Safe Harbor 401(k) | Option 2Small Business 401(k) | Option 3Rollover 401(k) |
|---|---|---|---|
| Options 401K monthly fee | $500 / month | $350 / month | $130 / month |
| Best fit | Starting a safe harbor plan | Designing a traditional plan | Moving an existing 401(k) |
| Employer contributions | Required by the safe harbor design | Not required; customize your design | Confirmed during the transition |
| Getting started | Employer & employee onboarding | Employer & employee onboarding | Assigned transition specialist |
| Third-party administration (TPA) | No TPA fee | No TPA fee | No TPA fee |
| Options 401K per-participant add-on | None in the displayed base fee | None in the displayed base fee | None in the displayed base fee |
| Recordkeeping fees | 0.20% of plan assets annually | 0.20% of plan assets annually | 0.20% of plan assets annually |
| 3(38) investment management fees | 0.05% of plan assets annually | 0.05% of plan assets annually | 0.05% of plan assets annually |
Recordkeeping and 3(38) fees are deducted from plan assets and are separate from the monthly base fee. On smaller screens, scroll the table to compare all three options. Final plan design and terms are confirmed before establishment.
Planning for a larger team? Businesses with 51 or more participating employees receive custom pricing. Ask James for a quote.
The monthly price is your Options 401K fee. Your estimate identifies additional costs so you can ask the right questions before proceeding.
Start with your business detailsThe monthly base fee for your selected option, with plan administration and compliance testing support. No TPA fee on any of the three plans. Recordkeeping and 3(38) investment management fees are separate.
0.20% of plan assets per year (20 basis points). Deducted from plan assets, separately from your Options 401K monthly base fee.
0.05% of plan assets per year (5 basis points). Deducted from plan assets, separately from your Options 401K monthly base fee.
Matching and other employer contributions are separate from service fees. Your specialist confirms the requirements for your selected design.
Request the complete fee disclosure, including any other applicable charges and who pays them. Your estimate is a starting point and is not a binding quote.
Enter your information, choose your plan, and see your estimate. You can review and edit your details before finishing.
Begin your signupBusiness name, address, email, contact person, and phone number.
Compare the designs and select your starting point.
Tell us your employee count and current payroll setup.
Check your information and fee disclosure before submitting your signup request.
Administration and compliance testing support help you manage the details of your retirement plan.
Talk through safe harbor, traditional, and transition options before confirming your plan design.
An assigned specialist helps prepare your business and employees for the next steps.
Questions about your options, fees, or moving an existing plan? Get in touch before you decide.
Signup begins the conversation. Your plan design, fees, and agreements still need to be confirmed before a retirement plan is established.
After you submit, James automatically receives your signup summary and you receive a congratulations email with your request reference and next steps.
Your onboarding specialist confirms your design, reviews the complete fees, and discusses your team and payroll details.
The team prepares the agreements for your review and guides employer and employee onboarding.
Review your details before submitting. Your submission begins onboarding. Your retirement plan is established after the required agreements and onboarding are complete.
Compare your options and begin with your business details.
Option 1 is for a safe harbor plan. Option 2 offers a customizable traditional plan without requiring employer contributions. Option 3 is for moving an existing 401(k). Your onboarding specialist confirms the design before a plan is established.
The displayed amount is the Options 401K monthly base fee for your selected option, with plan administration and compliance testing support. Recordkeeping: 0.20% of plan assets annually. 3(38) investment management: 0.05% of plan assets annually. Both fees are deducted from plan assets and are separate from the Options 401K monthly base fee. Employer contributions and other applicable charges are separate. Review the complete fee disclosure and Adoption Agreement before proceeding.
No TPA fee applies to any of our three plan options. TPA means third-party administration. The Options 401K monthly base fee still applies, and recordkeeping fees, 3(38) fees, employer contributions, and other applicable charges are separate. Review the complete fee disclosure before proceeding.
For up to 50 participating employees, the displayed Options 401K base fee stays the same for your selected option, with no per-participant add-on in that base fee. Businesses with 51 or more participating employees receive custom pricing. Annual recordkeeping and 3(38) fees are based on plan assets. Review all applicable charges before proceeding.
Choose Option 3 to begin a transition request. An assigned transition specialist helps confirm the requirements and next steps for your current plan.
Your business name and address, business email, contact person and phone number. You’ll also be asked about employee counts, payroll provider, payroll frequency, any existing plan, and preferred timing.
It tells the team which payroll system you use. Selecting it during signup does not connect your payroll account or transfer any payroll data. The team confirms any available integration during onboarding.
Your request is saved for the Options 401K team. James receives your signup summary, and a congratulations email is sent to your business email address. The team then confirms plan design, fees, and agreements before your plan is established. No payment is collected during signup.