The Smart Way to Manage Your Retirement Plan.

Reduce Your Retirement Plan Fees by 40% to 60% on Average While Lowering Your Taxes.

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Open Architecture Retirement Plan Platform Through Vanguard Retirement Plan Access™

iQ401k is an “open architecture” retirement plan platform that offers business owners unparalleled flexibility and unique capabilities. Our retirement solutions aim to minimize fees and taxes, facilitating talent acquisition*, employee retention**, and company expansion.


*Nearly 90% of participants considered a 401(k) Plan a must-have when looking for a new job according to a Charles Schwab 401(k) Participant Study done in 2023

**Nearly 70% of participants were more likely to stay with an employer that offered a 401(k) Plan according to the same study

Footnotes and Disclosures

  1. Market Strategies International. Cogent ReportsTM US Institutional Brandscape, February 18. Respondents selected Vanguard as one of three plan providers they most associated with being a company they trusted. Cogent research provides custom research, syndicated research products and evidence-based consulting to organizations in the financial services, life sciences and consumer goods industries. This institutional investor survey was conducted independently by Cogent. Vanguard neither commissioned nor paid to be included. Cogent has conducted unrelated, custom market research for Vanguard in the past.
  2. Pensions & Investments, as of December 30, 2020.
  3. Ascensus, Onboarding Client Satisfaction Survey, as of June 30, 2020.

Flat Fee, Fee-Only Advisor

Our Fee Stays The Same, Even As Your Plan Assets Grow.

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Reduce Your Retirement Plan Fees by 40% to 60% on Average While Lowering Your Taxes

Our ERISA 3(38) Fiduciary investment management services are offered under a flat-fee structure, unlike the majority of advisors who charge a percentage of assets under management. The flat-fee model is particularly advantageous for larger plans, compared to the percentage of assets fee model.

A recent study of 525 retirement plans showed that the average annual fee to be 0.52% of assets under management for plans with between $1 million and $5 million in assets. For a 20-participant plan with $3 million in plan assets, that would result in an annual fee of $15,600.

By contrast, that same 20-participant plan with $3 million in assets would cost $6,500 under our flat fee structure, and our fee stays the same even as plan assets grow. Also, our fees can be paid outside of retirement plan accounts, which is generally treated as a tax-deductible expense for the business owner.



ERISA 3(38) or 3(21) Fiduciary Services

Plan Design Consulting

Design & Maintain Investment Selection

Design & Manage Asset Allocation Models

Perform Plan Participant Risk Evaluations

Provide Investment Advice for Plan Participants

Design & Maintain Investment Policy Statement

Provide Quarterly Monitoring Reports

Conduct Annual Plan Reviews

Access to Financial Wellness Tools

Assist Plan Fiduciaries with Service Providers

Provide Fee Benchmarking Reports

iQ401kOther Providers
Fee StructurePer Participant% of Assets Under Management
Fee PaymentOutside of Plan AssetsFrom Participant Accounts
Open ArchitectureYesProprietary Options
Investment Lineup30 to 40 Funds10 to 15 Funds
Fund Share ClassLowest Cost AvailableRevenue Sharing
Funds ExpensesOn Average 0.10% to 0.15%On Average in Excess of 0.35%
SDBAsAlwaysOnly Half of Plans
Plan WebsiteYesNo