We use an innovative and unique business model to work more efficiently and accurately. This helps us to keep our fees fair and competitive while providing high-quality, personalized services.

We strive to keep our fees and billing process as straightforward and simple as possible, and include all relevant administration services in our basic administration fees. We don't bill for participants who are eligible for the plan but don't have account balances. For “cross-tested” plans, we don't bill for cross-tested calculations in years when you don't request them. We also don't bill our clients for most IRS-required amendments to our pre-approved plan documents.

All “indirect compensation” (revenue paid to us by financial institutions in connection with a plan) is used to reduce our invoiced administration fees, so our total compensation always equals our quoted fees. Most other third-party retirement plan administration firms (TPAs) retain such compensation as additional revenue. Beginning July 1, 2012, regulations issued by the Department of Labor (ERISA §408(b)(2)) require that TPAs clearly disclose their “indirect compensation” arrangements to their clients.

Generally, we bill one-fourth of your annual base and per-participant fees at the beginning of each quarter. Other fees, when applicable, are billed as services are provided, or added to the next scheduled quarterly invoice for your convenience.

When possible, we donate up to five percent of our net profits to various non-profit charities, primarily in the San Francisco Bay Area. We select charities which are both in line with our values, and that we believe would be in line with our clients’ values. Such charities may include those that assist elderly persons, working mothers, youth, or animals.

Click here to download our current standard fee schedules in Adobe PDF file format. Our actual installation/takeover fees may be reduced, depending on a plan's characteristics. Please contact us for a custom quote, or if you have any questions.