ShareBuilder 401k
Capital One

ShareBuilder 401k Full Pricing Disclosure

We work hard to keep your plan administration costs affordable and participant fees under 1%.

We're dedicated to providing you with simple and open pricing, making it easy to see what you'll have to pay. All of the fees that we could ever charge are plainly listed right here.

No other 401(k) provider that we've seen offers a complete, transparent fee schedule up front — in fact, if you can find one, we'll give you $50 off your 401(k) plan setup charge!

Please review our pricing and let us know if you have any questions. We welcome your call at
800-943-6108, option 1.

How automatic price discounts work

ShareBuilder 401k wants to ensure your plan always delivers great value not only in features and services, but also in price. As your company's total plan assets exceed a pricing milestone shown below for a calendar quarter (based on an average of the daily balance), we automatically lower your administration and asset management fee for the next quarter and on-going.

The reverse is also true. If for some reason employees, markets, or other events drop your average asset balance for your company's plan below your current level, your administration and asset fees are adjusted up for the next quarter. All pricing is on a go-forward basis and is not retroactive.

 

Pricing

Individual 401k   — Solo Owner(s) looking to save $5,500 or more per year

Pricing table for the Individual $401(k) plan
  Employer Fees Participant
Fee
Pricing table for the Individual $401(k) plan
Assets One-time Setup Monthly Administration
per Participant
Asset
Management
$0 -
$249,999
$150 $15.00 0.75%
$250,000 -
$499,999
No Charge No Charge 0.75%
$500,000 -
$1,999,999
No Charge No Charge 0.65%
$2,000,000 -
$4,999,999
No Charge No Charge 0.55%
$5,000,000
or More
No Charge No Charge 0.45%

Simplified 401k   — Maximize owner contribution and avoid IRS tests

Pricing table for the Simpfied $401(k) plan
  Employer Fees Participant
Fee
Pricing table for the Simpfied $401(k) plan
Assets One-time Setup Monthly Administration (Estimated Participants) Asset
Management
1 - 10 11 - 25 26 - 50 51 - 100 101 - 250 251 +
$0 -
$499,999
$495 $80 $125 $185 $275 $325
Green Arrow
0.75%
$500,000 -
$1,999,999
$400 $60 $80 $105 $150 $200 0.65%
$2,000,000 -
$4,999,999
$250 $35 $45 $55 $75 $100 0.55%
$5,000,000 -
$7,999,999
No Charge No Charge No Charge No Charge No Charge No Charge 0.45%
$8,000,000
or More
We're here to help any size business save. Our pricing schedule goes on and on for those with larger plans. Just click the Start button to receive your custom quote.
 

Customized 401k   — Flexible matching, vesting or profit sharing options

Pricing table for the Customized $401(k) plan
  Employer Fees Participant
Fee
Pricing table for the Customized $401(k) plan
Assets One-time Setup Monthly Administration (Estimated Participants) Asset
Management
1 - 10 11 - 25 26 - 50 51 - 100 101 - 250 251 +
$0 -
$499,999
$750 $100 $150 $210 $300 $400
Green Arrow
0.75%
$500,000 -
$1,999,999
$600 $75 $90 $125 $180 $240 0.65%
$2,000,000 -
$4,999,999
$450 $50 $60 $70 $90 $120 0.55%
$5,000,000 -
$7,999,999
No Charge No Charge No Charge No Charge No Charge No Charge 0.45%
$8,000,000
or More
We're here to help any size business save. Our pricing schedule goes on and on for those with larger plans. Just click the Start button to receive your custom quote.
 

Tiered Profit Sharing 401k   — Reward employees by group, tenure or age

Pricing table for the Tiered $401(k) plan
  Employer Fees Participant
Fee
Pricing table for the Tiered $401(k) plan
Assets One-time Setup Monthly Administration (Estimated Participants) Asset
Management
1 - 15 16 - 50 51 - 100 100 or More
$0 -
$499,999
$995 $190 $240 $325 N/A 0.75%
$500,000 -
$1,999,999
$750 $150.00 $185.00 $225.00 N/A 0.65%
$2,000,000 -
$4,999,999
$500 $75.00 $95.00 $115.00 N/A 0.55%
$5,000,000 -
$7,999,999
No Charge No Charge No Charge No Charge No Charge 0.45%
$8,000,000
or More
We're here to help any size business save. Our pricing schedule goes on and on for those with larger plans. Just click the Start button to receive your custom quote.

Setup and annual administration fees may be eligible for a tax credit. Please consult your accountant or tax advisor for additional details.

These fees are applied to each person who participates in your company's ShareBuilder 401k plan:

  • Our asset management fee is charged quarterly and amounts to 0.45% – 0.75% of a participant's assets per year. The amount is calculated on the average daily balance over the quarter.
  • Our portfolios' average investment expense ratio is 0.17%.

Fees may be higher if you are working through a third-party investment advisor. Please contact your investment advisor for details.

 

Custom services

ShareBuilder offers full-service 401(k) plans. Should you require custom or non-standard services, those charges are listed below for your convenience. This also includes infrequent services.

  Individual 401k Simplified 401k Customized 401k Tiered Profit Sharing 401k
Participant Costs
DistributionsThe benefit paid to a plan participant. / Withdrawals $50 - $60/event $50 - $60/event $50 - $60/event $50 - $60/event
Loans $75 - $138/loan $75 - $138/loan $75 - $138/loan $75 - $138/loan
Required minimum distribution $100 $100 $100 $100
Reissue of a check $12 - $25 $25 $25 $25
Stop payment of a check $25 - $35 $25 - $35 $25 - $35 $25 - $35
Qualified Domestic Relations Order processingThis division of benefits is typically associated with a divorce in regards to monies assigned to the other person for alimony payments, child support or as marital property. Up to $750/occurrence Up to $750/occurrence Up to $750/occurrence Up to $750/occurrence
Plan Sponsor Costs
In the event of an Automatic Clearing House (ACH) circumstance that results in a failed transaction. The ACH system is used to transfer plan contributions and administrative fees electronically from the bank account provided.Automated Clearing House (ACH) notice of change due to client error or non-sufficient funds $50 $50 $50 $50
This letter indicates that a retirement plan meets the IRS form requirements for qualification. Our clients typically use a prototype document which has already been pre-approved by the IRS. No fee will apply when using this pre-approved document. Determination letter filing $1,000 $500 - $1,000 $500 - $1,000 $500 - $1,000
IRS submission fee for the determination letter $2,000 - $4,000 $1,000 - $4,000 $1,000 - $4,000 $1,000 - $4,000
An audit is an IRS examination of an individual or corporation's tax return, to verify its accuracy. This fee is associated with the assistance required should an audit be requested by the Department of Labor (DOL) or the Internal Revenue Service (IRS).DOL or IRS audits $600 base, plus $100/hour over 6 hours $600 base, plus $100/hour over 6 hours $600 base, plus $100/hour over 6 hours $600 base, plus $100/hour over 6 hours
An incompliant 401(k) plan that switches to ShareBuilder 401k with an existing issue will require adjustments prior to implementation. IRS/DOL Correction Program $250/hour, plus $900 government submission fee if required $250/hour, plus $900 government submission fee if required $250/hour, plus $900 government submission fee if required
Additional fees would apply for requests that are not part of our standard services. We would communicate an estimate of the amount of the fee before we would initiate the activity. Custom requests and extraordinary services $75/hour $75 - $250/hour $75 - $250/hour $75 - $250/hour
Fee applies when the previously approved Form 5500 has already been filed with the Employee Benefits Security Administration (EBSA) and changes are necessary for correction. Amended Form 5500 $100 $100 $100 $100
If the granting of additional time is necessary in filing of the Form 5500. Federal filing extension $100 $100 $100 $100
Plan design studies $500/study $500/study $500/study
A change in the terms to the Plan Document detailing the provisions of the plan (participation requirements, vesting, payment options, loan options, Roth provision, etc.)Plan amendment $75 - $100 unless otherwise noted $100 - $200 unless otherwise noted $100 - $200 unless otherwise noted $100 - $200 unless otherwise noted
The movement of one product to another.Plan migrations $250 $250 $250 $250
All of the work that is necessary for when a plan is permanently discontinued.Plan terminations $150 plus any applicable employee paid distribution fees $825 - $1,000 plus any applicable employee paid distribution fees $825 - $1,000 plus any applicable employee paid distribution fees $825 - $1,000 plus any applicable employee paid distribution fees
All of the work that is necessary to transfer a 401(k) plan from the existing provider to a new 401(k) provider.Plan transfers $100 $750 - $1,000 $750 - $1,000 $750 - $1,000
Plan As retirement plan regulations change, the IRS will mandate restatements when the importance and number of these addendums become significant. These typically have occurred every 5 – 10 years. A 401(k) Plan Restatement is the process in which a third party administrator revises all Plan documents to incorporate all new IRS regulatory additions of retirement plans.Restatement required by IRS due to regulation changes (infrequent) Fee will vary based upon requirements mandated by the IRS. The last restatement price was $100. Fee will vary based upon requirements mandated by the IRS. The last restatement price was $400. Fee will vary based upon requirements mandated by the IRS. The last restatement price was $400. Fee will vary based upon requirements mandated by the IRS. The last restatement price was $400.
In the event of death, disability or retirement of an employee, this fee is paid by the Employer. All other forms of distribution are paid by the employee.Distribution Benefits for death, disability or retirement $50 $50 $50 $50
Manual conversion of data (electronic conversion is included at no charge) $10/participant; $500 minimum $10/participant; $500 minimum $10/participant; $500 minimum
IRS compliance testing for plans that exclude some forms of employee pay, such as bonuses, commissions or overtime.414(s) Compensation Ratio testing $225/hour $225/hour
This may be an option to pass compliance testing for those that fail the standard coverage ratio test. These tests measure eligible employees use and access to 401(k) benefits and determine to what extent highly compensated employees and owners can contribute to the plan.Average Benefits testing $225/hour $225/hour
IRS compliance testing for a company with multiple businesses, and 401(k) plans serviced by different 401(k) providers.Multiple business/plan testing $225/hour, if outside plan data is included $225/hour, if outside plan data is included $225/hour, if outside plan data is included
Extra hours beyond the three included with a Tiered Profit Sharing 401k would typically only be incurred if a company wants to run many scenarios in considering alternate Advanced Profit Sharing options.Age-weighted or New Comparability Contribution Calculations with cross-testing $225/hour, beyond the first 3 included hours
The Asset Certification Letter allows an employer to perform a limited scope audit, relying on the custodian for positions. This may be a less expensive alternative to a full audit.Asset Certification Letter $150 $150 $150
Employer calculation $500/calculation, if performed by Recordkeeper $500/calculation, if performed by Recordkeeper $500/calculation, if performed by Recordkeeper

 

ShareBuilder 401k investment options

Our selections are index-based investments called Exchange-Traded Funds (ETFs). These market-efficient products offer low expense ratios and diversification. In our 401(k)s, you can purchase and trade ETFs with no transaction fees!

The following chart illustrates annual expense ratios on our ETF selections as of 3/31/2015:

Equity Funds
Symbol Fund Category Expense Ratio
SPY SPDR S&P 500 ETF Trust Large-Cap Blend 0.10%
IWF iShares Russell 1000 Growth Index Large-Cap Growth 0.20%
QQQ NASDAQ 100 Trust Shares Large-Cap Growth 0.20%
DIA SPDR DJIA Trust Large-Cap Value 0.17%
IWD iShares Russell 1000 Value Index Large-Cap Value 0.20%
KLD iShares KLD Select Social Index Large Blend 0.50%
IJH iShares Core S&P MidCap ETF Mid-Cap Blend 0.12%
DVY iShares Dow Jones Select Dividend Index Mid-Cap Value 0.39%
IWM iShares Russell 2000 Index Small-Cap Blend 0.20%
Fixed Income Funds
Symbol Fund Category Expense Ratio
IEF iShares Barclays 7-10 Year Treasury Intermediate-Term Government Bond 0.15%
BND Vanguard Total Bond Market Intermediate-Term Bond 0.08%
TIP iShares Barclays TIPS Bond Inflation Protected Bonds 0.20%
SHY iShares Barclays 1-3 Year Treasury Bond Short-Term Government Bond 0.15%
BWX SPDR Barclays Capital International Treasury Bond World Bond 0.50%
PCY PowerShares Emerging Markets Sovereign Debt Emerging Markets Bond 0.50%
Specialty Funds
Symbol Fund Category Expense Ratio
VNQ Vanguard REIT ETF Real Estate 0.10%
VWO Vanguard Emerging Market ETF Diversified Emerging 0.15%
VEA Vanguard FTSE Developed Markets ETF Foreign Large Blend 0.09%
DBC PowerShares DB Commodity Index Commodities Broad Basket 0.93%
IAU iShares Gold Trust Commodities Precious Metals 0.25%
Stable Value Funds
Symbol Fund Category Expense Ratio
DGCXX Dreyfus Government Cash Management Money Market 0.21%

Diversification does not guarantee a profit or protect against market losses.

Performance data quoted represents past performance; past performance does not guarantee future results; the investment return and principal value of an investment will fluctuate so shares, when redeemed, may be worth more or less than the original cost; current performance may be lower or higher than the performance data quoted. For performance data current to the most recent months end, go to www.sb401k.com/funds and click on the fund symbol you are interested in.

You should carefully consider information contained in the fund's prospectus, including investment objectives, risks, charges and expenses. For a prospectus containing this and other important information, please visit www.sb401k.com/funds and click on the fund symbol you are interested in. Please read the prospectus carefully before investing.

Although the money market fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund. An investment in the money market fund is not a deposit in a bank, and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency.