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the no-hassle, $0 employer-cost 401(k)

making the 401(k) simpler and more affordable, so more people can have one

What's Included?

Zero Fees for Employers

No matter how your plan is designed - there's just one low fee, up to 90bps (0.90%), for participants
$ O
  • $0 set-up fee
  • $0 monthly fee
  • $0 per-employee fee
  • $0 reporting fee

Fiduciary Services

We have built-in fiduciary guidance and act as your ERISA 3(16) and 3(38) fiduciary. We ensure your plan is created and managed according to ERISA requirements.

Managed Investments

Through our affiliated investment adviser, WealthyX, LLC, your employees can access advised, customized portfolios suited to their individual risk appetite and goals for just one low AUM fee of up to 90bps (0.90%).


As your recordkeeper, we track all of your 401(k) plan’s balances, transactions, withholdings, and deferrals.

Government Filings

We prepare and file annual reports for no extra fee, including Form 5500 and 8955.

IRS Nondiscrimination Testing

We perform nondiscrimination testing and manage any required corrections. Our compliance-friendly Safe Harbor plans are also available to any business.

Custodial Services

We work directly with a third-party custodian through our broker deal subsidiary to validate transactions and execute trades.