iQ401k vs THE INDUSTRY

    OPEN ARCHITECTURE

iQ401k – non-proprietary investments and unbiased investment advice with access to the best service providers.

Industry – proprietary investments and advice that solely benefits the advisor.

    FLAT-FEE STRUCTURE

iQ401k – charges a flat dollar amount per participant that can equate to annual fees being as low as 0.05%.

Industry – charges a percentage of plan assets under management with average annual fees high as 0.52%.

    LOWER YOUR TAXES

iQ401k – offers the flexibility of billing fees directly to the employer qualifying annual fees as a tax-deductible expense.

Industry – debited directly from participant account and does not qualify as a tax-deductible expense.

    ERISA FIDUCIARY PROTECTION

iQ401k – ERISA 3(38) Fiduciary Investment protection with the option of ERISA 3(21) which offers Co-Fiduciary Investment protection.

Industry – most claim ERISA 3(38) and 3(21) but offer little or no fiduciary protection that shields Plan Sponsors.

    LOW-COST FUNDS

iQ401k – core investment lineups with average expense ratio of 0.10% to 0.15%.

Industry – average fund expense ratios sometimes high as 1.00%.

    SELF-DIRECTED ACCOUNTS

iQ401k – 100% of our retirement plans have access to Self-Directed Brokerage Accounts (SDBAs).  SDBAs have the option of becoming Advisor Managed Accounts (AMAs).

Industry – only about half of the retirement plans provide access to SDBAs.

    PRIVATE INVESTMENTS

iQ401k – access to private investments, such as Private Real Estate, Private Equity, Private Credit, and Private Debt funds.

Industry – investment lineups only consist of mutual funds and ETFs.

    CUSTODIAN OPTIONS

iQ401k – Plan Sponsors can choose from multiple custodians, such as Vanguard, Fidelity, Schwab, etc.

Industry – only one custodian choice.