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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

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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 401 (k) is just $250, one-time. That covers everything: design, Adoption Agreement, enrollment, and full plan setup.

Monthly Cost: $42 + $2 / Participant

monthly fee calculation:
$500 annual base fee / 12 = less than $42 per month

$20 annual per participant fee = less than $2 per month (can be paid by employer or experienced within employee account)

Your Net Cost: $0 Typically 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.

Low Investment Expenses for Employees

fair pricing for your employees
Mutual fund & ETF average expense ratios can be as low as .05% of assets. Provider expense .80%.

“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 Overview

Named Best 401k for Cost Transparency by Business.com

Employer Fees & Services

Transparent, clear pricing with no hidden fees!

✔ one-time install fee: $250

✔ total employer fee: $42/month + $2 per participantit

✔ 15,000+ funds & 3,000+ ETFstax

✔ 5500 & IRS tax forms

✔ maximize owner contributions

✔ Safe Harbor 401k or Traditional 401k, same pricing

✔ administration, record keeping, plan documents

✔ employee notices, automatedt

Employee Fees & Services

Fair pricing for your valued employees!

✔ mutual fund & ETF average expense ratio can be as low as .05% of assets.

✔ all no-load, institutional share class pricing

✔ investment expense annualized total: .80%

✔ no transaction fees

✔ Roth 401k, Traditional 401k or mix / match

✔ rollover concierge service

✔ 1-on-1 financial guidance for retirement readiness

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 $5,500/year for (3) years for a new 401k + an additional $500/year for (3) years when auto-enrollment is included.

Sample 401k Pricing for Your Business: $0 (Years 1-3), Low Annual Ongoing

One-time Setup Fee $250
Annual Fee ($500 + $20 Per Participant) $700
Net Employer Cost (First 3 Years)* — $0
* No net cost because tax credit exceeds annual fee
Net Employer Cost Year 4 & Thereafter $700
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.

How tax credits can offset 401k costs
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 an additional credit for employee matching.

✔ launch a high-quality 401k with no upfront financial burden
✔ offer an appealing employee benefit at little cost or no to the employer, ongoing
✔ support your owner and executive retirement goals

USA 401k presents an open-architecture mutual fund, ETF, and securities program

USA 401k is the perfect complete-package retirement plan distinctively designed for small to mid-sized businesses.

Constructing the right plan for your unique needs is easy with our flexible options at no extra cost. Under way, you can rest easy on administrative burdens - we handle 401k operations while you manage your business growth.

With USA 401k, you are represented by a well-established company with a long, distinguished track record in the retirement plans marketplace. We are proud to serve you and your employees for successful retirement readiness. 

Key Features

  • setup takes just (15) minutes if you’d like!

  • scalable solution for businesses of any size — from 2 to 5,000 employees

  • USA 401k specializes in maximizing owner contributions

  • distinct focus on hiring & retaining high-caliber employees

  • administration, compliance, and plan documents with your tailored design included

  • 360 degree payroll integration

  • open-architecture investment platform - 15,000+ funds & 3,000+ ETFs

  • 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)

*A fiduciary investment advisor is built into USA 401k to handle investment design and monitoring. Working with a retirement plan advisor as your 3(21) co-fiduciary or 3(38) fiduciary has significant 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

Employee Services

High participation and successful retirement outcomes starts with exceptional employee education. USA401k complements your HR team by handling all aspects of enrollment, plan design communication, and continued guidance to help your employees achieve financial wellness. An educated employee is a confident and happy employee who appreciates the benefit they deserve!

✔ 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 group seminars & webinars

✔ online + mobile access: view real-time account performance, process transactions, rebalance assets, and research funds

✔ interactive retirement planning calculators

✔ multilingual support:  English and Spanish VRU available 24/7, customer service representatives available for live support during business hours

✔ newsletters quarterly

Named Best 401k for Cost Transparency by Business.com

Why businesses choose USA 401k as the industry’s leading complete-solution provider

We offer more than just attractive pricing — we deliver unparalleled employer responsiveness, best-in-class employee engagement, and 1-on-1 financial guidance.

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 payroll integration, 5500 tax filings, to compliance, 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 participation and retirement readiness.

Investment Solutions

Investment designs give you access to 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 & 3,000+ 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 evaluation, research, or investment changes

Fiduciary services, 3(21) or 3(38) investment advice to make it easy on you

A 3(21) co-fiduciary or 3(38) fiduciary investment advisor is built into USA 401k, handling the design, monitoring and fund 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 analysis

Payroll Integration With 500+ Service Providers!

USA 401k connects with 500+ payroll providers through 360° API-based syncing. This ensures automatic processing of contributions, seamless deferral updates, and less work for your HR team!

Employee secure data is pre-populated for streamlined enrollment and hands off by your HR.

Payroll integration is the most modern technology which eliminates manual work while reducing your risk.

The whole package, USA 401k

Everything your business needs to offer a modern, compliant, and employee-friendly retirement plan.

  • All administration services are provided: 5500, government reporting, ERISA plan compliance, document updates, required employee notices, and distributions.

  • USA 401k connects with 500+ payroll providers through 360° API-based syncing. This ensures automatic processing of contributions, seamless deferral updates, and less work for your HR team!

  • 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.

  • A 3(21) co-fiduciary or 3(38) fiduciary investment advisor is built into USA 401k, handling the design, monitoring and fund recommendations to help reduce the investment responsibility on the part of the employer.

  • High participation and successful retirement outcomes starts with exceptional employee education. USA401k complements your HR team by handling all aspects of enrollment, plan design communication, and continued guidance to help your employees achieve financial wellness. An educated employee is a confident and happy employee who appreciates the benefit you are providing!

USA 401k Professional Partners

Program Highlights

✔ Open-architecture platform (mutual funds, ETFs, securities)

✔ 35+ years of retirement plan experience

✔ Designed for businesses with 2–5,000 employees

Expert Support

✔ Accredited Investment Fiduciary (AIF®)

✔ Chartered Retirement Plan Specialist (CRPS®)

Administration

✔ record keeping by Vestwell (independent provider)

✔ custodian: Matrix Financial Solutions (Broadridge Company)

Discover the Most Cost Effective 401k for Your Business

Transparent Pricing, Maximum Value, & Comprehensive Support

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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