Discover the Most Cost-Effective 401k for Your Business
Named Best 401k for Cost Transparency by Business.com - USA 401k is a complete-solution, customizable retirement plan designed to ease your administrative burdens, while helping your employees enhance their retirement readiness
Your 401k Costs — Affordable for Business of All Sizes
USA 401k is easy, automated, and economical.
One-time Setup Cost
upfront cost only: $250
The total employer cost to launch your new 401k is just $250, one-time. That covers everything: design, Adoption Agreement, enrollment, and full plan setup.
Your Net Cost: $0 sometimes for 3 years
small businesses, big tax incentives
Eligible businesses get up to $5,000/year, so tax credits often cancel out all employer costs for the first 3 years.
Your Monthly Cost: $42 + $2 / participant
total employer base fee per year: $500
(less than $42 per month, and no hidden fees)
A participant is defined as an employee with an account balance (no charge for non-savers).
Low Investment Expenses for Employees
fair pricing for your employees
Provider expense .80%, mutual fund & ETF average expense ratios can be as low as .05% of assets.
“Our goal with USA 401k is to make high-quality retirement plans accessible and affordable for every business — no matter the size. Through transparent pricing and smart tax credit strategies, we help employers offer competitive 401k plans without the traditional financial burden.”
— John M. Novak
CPFA®, AIF®, CRPS®, Retirement Plan Specialist
USA 401k Program Overview
USA 401k is a complete-solution, customizable retirement plan designed to ease your administrative burdens, while helping your employees enhance their retirement readiness. With USA 401k, you are represented by a well-established company and a long track record, proudly serving the retirement plans marketplace.
Key Features:
Open-architecture investment platform (15,000+ funds & 1,000+ ETFs)
Administration, compliance, and plan documents included
3(21) co-fiduciary or 3(38) fiduciary investment advisor built in to handle investment design and monitoring*
MML Investors Services, LLC as broker-dealer (MassMutual)
Matrix as third-party custodian for all plan assets
Scalable support for businesses of any size — from 2 to 5,000 employees
*A 3(21) co-fiduciary or 3(38) fiduciary investment advisor is built into USA 401k to handle investment design and monitoring. Working with a retirement plan advisor as your 3(21) or 3(38) fiduciary has great potential to limit your exposure to fiduciary liability, while reducing the time and expertise required to perform the plan's ongoing investment monitoring and selection duties
Sample 401k Pricing for Your Business: $0 (Years 1-3), Low Annual Ongoing
You may qualify for up to $16,500 in tax credits
Thanks to the SECURE Act 2.0, small businesses can receive generous tax incentives that fully cover 401k startup costs — and even offset matching contributions.
This real-world example shows how a company with 10 employees could owe nothing out-of-pocket for the first 3 years, while also benefiting from long-term credit for employee matching.
✔ Lower your taxes
✔ Support your team’s retirement goals
✔ Launch a high-quality plan with no upfront financial burden
| One-time Setup Fee | $250 |
| Annual Fee ($500 + $20 Per Participant) | $700 |
| Net Employer Cost (First 3 Years)* | $0 |
| * No next cost because tax credit exceeds annual fee | |
| Net Employer Cost Year 4 & Therafter | $700 |
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Note: Businesses with up to 50 eligible employees are also entitled to a tax credit of $1,000 per eligible employee, when the business contributes as a match or Profit Sharing |
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Pricing & Services
Employer Fees
Transparent, clear pricing with no hidden fees!
✔ One-time install fee: $250*
✔ Total employer fee: $42/month + $2 per participant*
*Typically offset to $0 via tax creditsit
✔ Monthly fee: $0
✔ 5500 & IRS tax forms included
✔ Safe Harbor 401k or Traditional 401k included
✔ Roth 401k, employee education, loans included
✔ Administration, record keeping, plan documents, employee notices included
What is my employer net cost?
In most cases, considering tax credits under SECURE Act 2.0, the employer billable net cost for your 401k is $0 for (3) years. Of course, that depends on the actual credits where employers are eligible for up to $5,000/year for (3) years for a new 401k + an additional $500/year for (3) years when auto-enrollment is included.
Employee Fees
Fair pricing for your valued employees!
✔ Internal investment expense annualized total: .80%
✔ Very low expense funds & ETFs, all no-load, institutional share class pricing
✔ Average expense ratios can be as low as .05% of assets
✔ No transaction fees
Investment Solutions
Choose 3(21) or 3(38) investment design & access 100+ mutual fund families within USA 401k
We let you stay in control of all aspects of your fund selections and future changes. USA 401k is open architecture, which means that you have access to most all funds & ETFs open to 401k investing.
✔ 15,000+ funds & 1,000+ ETFs
✔ Vanguard: all funds open to 401k investing
✔ Blackrock, Charles Schwab, Fidelity, Goldman Sachs, J.P. Morgan, American Funds, T. Rowe Price, & hundreds of additional top-shelf fund families
✔ Effectively no limit on the # of investment slots in your 401k
✔ No cost for research, evaluation, or investment changes
What’s Included With USA 401k
Everything your business needs to offer a modern, compliant, and employee-friendly retirement plan.
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Your plan includes full-service administration: setup, compliance, and ongoing plan management. We handle your 5500 filings, IRS documents, employee notices, and more — so you don’t have to.
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We connect with 500+ payroll providers through 360° API-based syncing. This ensures automatic processing of contributions, seamless updates, and less work for your HR team.
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Give your team access to 15,000+ mutual funds and 1,000+ ETFs — from trusted names like Vanguard, Fidelity, JP Morgan, and more. No transaction fees, no load, and zero limits on fund changes.
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As a 3(21) or 3(38) fiduciary, we give investment advice & fund recommendations to help keep your plan on track
Investment monitoring ongoing, fund & ETF recommendations
Performance results & peer assessment via Fiduciary Investment Reviews
Investment Committee guidance & due diligence direction
Effectively no limit on the # of investment slots in your 401k
Fee benchmarking & provider comparative analyses
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We engage your team with virtual or in-person enrollment meetings, benefit statements, retirement tools, newsletters, and seminars — all designed to improve participation and long-term wellness.
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Your plan includes built-in features like Roth 401(k), participant loans, online access, mobile app tools, and bilingual support to ensure every employee can fully engage with their future.
Why Businesses Choose USA 401k
We offer more than just compliance — we deliver clarity, flexibility, and real support.
Transparent Pricing
No hidden fees, no transaction costs, and no surprises. We break down every dollar — so you always know exactly what you're paying for.
Full-Service Support
From compliance to tax filings, we take care of the heavy lifting so you can focus on your business — not your 401k paperwork.
Real Employee Engagement
Your employees get live enrollment help, smart retirement tools, and 1-on-1 support to boost financial wellness and plan participation.
Payroll Integration With 500+ Service Providers!
USA401k combines powerful automation with fiduciary-level support to reduce administrative burden and keep your plan optimized.
Whether you’re syncing payroll or reviewing fund performance, everything is built to be hands-off and compliant.
Employer Advantages:
✔ Fully automated payroll sync with 500+ providers via API
✔ Dynamic dashboard for contributions, participation, and transactions
✔ 3(21) or 3(38) fiduciary services to reduce employer liability
✔ Ongoing investment monitoring and quarterly performance reviews
✔ Fiduciary reports & provider benchmarking for confident decision-making
✔ Newsletters & Seminars to connect employees with advisors quarterly
Employee Services & Benefits
High participation starts with education. USA401k gives your team the tools, support, and access they need to feel confident in their retirement planning — and actually use the plan you’re providing.
Key Benefits:
✔ Unlimited enrollment meetings: virtual or in-person
✔ 1-on-1 financial guidance
✔ Targeted education campaigns using behavioral science to help drive engagement and improve retirement readiness
✔ Quarterly participant benefit statements & group seminars
✔ Online + mobile access: view real-time account information, process transactions, rebalance assets, and access interactive retirement planning calculators
✔ Multilingual support: English and Spanish VRU available 24/7 , and customer service representatives are available for live support during business hours.
✔ Interactive planning tools personalized to each employee’s goals
USA 401k Retirement Plan Program
Administration
✔ Recordkeeping by Vestwell (independent provider)
✔ Custodian: Matrix Financial Solutions (Broadridge Company)
Expert Support
✔ Accredited Investment Fiduciary (AIF®)
✔ Chartered Retirement Plan Specialist (CRPS®)
Program Highlights
✔ Open-architecture platform (Mutual Funds, ETFs, Securities)
✔ 35+ years of retirement plan experience
✔ Designed for businesses with 1–1,000 employees
Discover the Most Cost Effective 401k for Your Business
Transparent Pricing, Maximum Value, & Comprehensive Support
Securities and investment advisory services offered through qualified Registered Representatives of MML Investors Services, LLC. Member SIPC®, Supervisory Office: 2 Bala Plaza Suite 901 Bala Cynwyd, PA 19004. Tel: (610) 766 3000. USA 401k is not a subsidiary or affiliate of MML Investors Services, LLC. CRN202504-2060280
Check the background of this financial professional on FINRA’s BrokerCheck
CA Insurance License # 0819761