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.

Discover A Cost Effective 401k for Your Business:

Transparent Pricing, Maximum Value, & Comprehensive Support

Pricing & Services

Employer Fees

Fee transparency, always & complete cost control for the employer!

  • One-time install fee: $250*

  • Total employer fee: $42/month + $2 per participant
    *Typically offset to $0 via tax credit

  • 5500 IRS tax form included

  • Safe Harbor 401k or Traditional 401k included

  • Roth 401k, employee education, loans included

  • Administration, record keeping, plan documents, employee notices included

  • Expertise from accredited fiduciary investment advisors, 3(21) or 3(38) 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.

10

Example total number of eligible employees

2

Number of owners + Highly Compensated Employees (HCEs)

$0

Employer net cost in years 1-3
(tax credits exceed total cost)

$2,000

TAX CREDITS!

$250 x (8) non-HCE employees

$500

auto-enrolment tax credit years 1-3

$700

Employer annual cost after (3) years

Additional Tax Credits:

Businesses with up to 50 eligible employees are also entitled to a tax credit of $1,000, when the business contributes as a match or Profit Sharing, for example:

(10) employees each earning 50k, employer matching as a % of employee pay: 4%

Tax credits total $10,000 ($1,000 for each employee) which covers 50% of the annual matching cost in years 1-2 (while the remaining 50% is tax deductible)

Tax credits for matching continue for (5) years, declining each year beginning in year 3

For additional information, including a formal custom quote for your business, please contact us at: jmnovak@financialguide.com

EmployeE Fees

Fair pricing for your valued employees & no hidden fees!

  • Internal investment expense annualized total: .80%

  • Very low expense funds & ETFs, all no-load, institutional share class pricing

  • Zero transaction fees

Investment Solutions

A few of the 100+ mutual fund families within USA 401k :

No Limit On Funds & ETFs

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, JP Morgan, 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

As a 3(21) or 3(38) fiduciary, we give investment advice & fund recommendations to help keep your plan on track

A 3(21) co-fiduciary or 3(38) fiduciary investment advisor is built into USA 401k, handling the design, monitoring and recommendations to help reduce the investment responsibility on the part of the employer.  Employees are equally well served with a full spectrum of investment options, continued financial education, and customized strategies to help achieve retirement readiness.

  • 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

360 Degree Payroll Integration With 500+ Payroll Service Providers!

Employer Convenience Of Automated Contribution Processing

  • USA 401k syncs your payroll with Vestwell record keeping for seamless payroll contribution processing, hands-off by your HR!

  • 360-degree payroll integration is an efficient, automated solution coordinating your payroll with the 401k provider.  All of the data that you upload to your payroll provider is automatically processed by both software platforms, which helps ensure streamlined and accurate information flows between them.  This modern API communication bridge allows full circle data exchange from payroll provider to 401k record keeper and back to payroll provider.

  • Dynamic online plan-management tools enable the employer to view all 401k activity including payroll contributions, as well as participant transactions & changes, with user-friendly customizable reports.

Employer Ease Of Operations

  • Fiduciary Review Reports:  comprehensive investment analyses & recommendations prepared for easy employer decisions

  • Quarterly Plan Service Reviews:  detailed plan studies, participation & performance evaluations

  • Newsletters & Seminars:  automated e-communications provide valuable updates to your participants & group seminars connect employees with advisors quarterly

Employee Education & What Makes Us Different!

Employee Engagement

We believe in the future financial wellness of your employees.

For your employees, your most valuable asset, we focus on education and engagement, designed to increase participation rates and lead to more favorable long-term financial outcomes.

Not all 401k programs are created equal, especially when it comes to employee services. With USA 401k, you can rest assured that nothing is left unanswered to your employees. Pairing neatly with online tools and electronic reporting, a customized enrollment program is extended to match your specific benefits objectives.

Customized Employee Enrollment

These are the axis for success in any 401k. An effective enrollment campaign begins with the providers’ ability to offer an interactive enrollment process – this is what sets us apart. Ongoing, we connect with employees and are completely accessible to their retirement planning needs.

  • Enrollment meetings in-person or virtual, unlimited

  • Quarterly participant benefit statements

  • Robust suite of on-demand retirement income planning tools help employees create a strategic game plan for financial wellness tailored to their personal situation

  • Employee benefit campaigns utilizing sophisticated targeting and behavioral science techniques to help drive engagement and improve retirement readiness

  • 1-on-1 financial guidance

  • Employee newsletters

  • Seminars offered quarterly for continued employee education

Additional employee services

  • Online Access:  The employee website, also available via a mobile app, allows persons to enroll in the plan, view real time account information, process transactions, rebalance assets, and access interactive retirement planning calculators

  • Multilingual:  English and Spanish VRU available 24 hours a day, 7 days a week, customer service representatives available for live support during business hours

Live Advisors & Robo-Advisors* Working Together

With the best of both worlds, USA takes it one step further, supplying advisors at your disposal to give customized individual employee education, coupled with automated tools for you busiest employees.  Each employee is unique with varying financial goals, so we offer:

  • enrollment process walk-through

  • group & 1-on-1 employee meetings to promote educational excellence

  • model portfolio design

  • higher participation through ongoing employee support

  • better savings rates through our dedication to each eligible employee

  • roll in support to combine retirement assets into the new 401k

* A robo-advisor is an online platform that builds and manages your investments automatically based on profile information that you enter including an anticipated investment time horizon, risk comfort level, and investment goals. Then, financial advice is generated from an algorithm instead of a person. 

This approach is quite attractive for your busy employees who are on the run and managing from a mobile device. It creates peace of mind without the effort of having to keep track, actively managing a portfolio.

Importantly, for employees who need individual guidance, our team is always ready to assist!

USA 401k presents an open-architecture mutual fund, ETF, and securities program offered through MML Investors Services, LLC. 

  • With USA 401k, you are represented by a well-established company and a long track record, proudly serving the retirement plans marketplace, servicing businesses for over 35 years.

  • Businesses 2 – 5,000 employees

  • Your plan will be supported representatives who hold the designations of Accredited Investment Fiduciary (AIF®) with standards of investment fiduciary excellence and Chartered Retirement Plan Specialist (CRPS®).

  • Administration and record keeping provided through Vestwell.  Vestwell is not an affiliate or subsidiary of MML Investors Services, LLC or its affiliate companies. To learn more, visit:  (Vestwell)

  • MML Investors Services, LLC® (MMLIS) is a subsidiary of Massachusetts Mutual Life Insurance Company. MMLIS, in its capacity as a registered Broker-Dealer with the Financial Industry Regulatory Authority (FINRA), and member Securities Investor Protection Corporation (SIPC), is one of the nation’s largest independent broker-dealership and a leading registered investment advisory firms offering investment products, wealth management services, and retirement plan programs.

  • Matrix Financial Solutions Inc. (Matrix) is the custodian for all plan assets and transactions of USA 401k. Matrix, a Broadridge Company, is a leading independent provider of products and services for financial professionals, including banks, third party administrators, recordkeepers, financial advisers, broker-dealers, mutual fund providers, and insurance providers, among others. Matrix Financial Solutions Inc. is not a subsidiary or affiliate of MML Investors Services, LLC or its affiliated companies.

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. CRN202504-7157973

Check the background of this financial professional on FINRA’s BrokerCheck
CA Insurance License # 0819761