Plan Participants

A 401(k) that actually helps you retire.

We provide lower cost investments and personalized advice to each participant, aligning their risk with their goals for an optimal outcome.

Image Description
Image Description

The 401(k) is now the single most important investment vehicle for retirement.

With pensions gone for most Americans and the future of Social Security uncertain, Qmulate helps participants take back control of their retirement.

Personalized advice

Participants no longer need to feel confused about which funds to select, how much to contribute to their account or how allocate their money across different securities.

We guide employees to the best allocation based on goals, risk and time horizon.

We offer many online resources on retirement savings for any stage of life.

Individuals who get professional assistance in managing their 401(k) accounts on average can earn 3.32% higher annual returns.1

Image Description


Globally diversified, low cost and efficient, automatically rebalanced, and no transaction/trading or hidden fees. Tailor-made to the participant.



Employees who want to manage their own funds have the option to do so within the plan lineup or a Self-Directed Brokerage Account.

Fees matter.

1% less in annual fees over an investment lifetime could mean 10 years longer in retirement. Conversely, according to the Department of Labor, a 1% reduction in plan fees could lead to a 28% increase in a participant’s retirement account balance.2

The impact of investment fees on your ending account balance.

Let’s assume we have an investor at age 35 with a $100k beginning balance, growing at 8% annually and retiring at age 65. Each scenario reflects the impact on the investor’s account with annual fees of 1%, 2%, and 3%.

1% Fees $761,225

Ending balance after 30 years.

2% Fees $574,345

Ending balance after 30 years.

3% Fees $432,194

Ending balance after 30 years.

Our Process.

Some FAQs

Qmulate provides plans that give the participants flexibility to contribute to either or both a Roth and a Traditional 401(k), at no extra cost to the company. A Roth 401(k) allows participants to contribute funds on a “after-tax” basis, compared to “pre-tax” contributions for a Traditional 401(k).

Roth could make sense for employees if their tax bracket will be the same or higher in retirement than it is currently. This usually applies to younger employees who are early in their careers. Income contributed to a Roth 401(k) is taxable the year in which it is earned, while earnings and interest gains remain untaxed even upon withdrawal.

Employers are allowed to match a Roth plan; however, employer contributions cannot receive Roth tax treatment and must be allocated to a pre-tax account, usually a Traditional 401(k).

IRA stands for Individual Retirement Account and is available regardless of employment status, including to those who are unemployed or self-employed. Anyone who has earned income and is below the age of 72 can contribute to a traditional IRA.

A 401(k) is a benefit that can only be offered through an employer. Once an employee is enrolled in a company-sponsored plan, a 401(k) is easy and passive—automatic deductions are taken from each paycheck. There is no income restriction for contribution to a 401(k), but IRA has an income cap and far lower contribution maximum.

The annual contribution limit for a 401(k) in 2021 is $19,500/year versus $6,000/year for an IRA for those under the age of 50, and $25,500/year versus $7,000/year for those over the age of 50.

If employees decide that they want to make their own investment decisions, they can simply elect to manage their own portfolio via the core fund lineup or through the Self Directed Brokerage Account.

Yes, if you decide to opt out of our investment advice, you are free manage and choose from the available funds in the plan lineup consisting of all the major asset classes and risk categories, pre-determined by your employer.

Your plan supports rollovers, and we will help you with the process. We can help you with the process when and if you would like to do that. Note that the IRS prohibits rolling over a Roth IRA into a 401(k).

If you would like to rollover an old 401(k) or 403(b) into either a ROTH or Trad IRA outside of the 401(k) plan, contact us for assistance: We would be happy to discuss your options and the process.

Yes, however it is typically inadvisable and uncommon for employees to take out loans from their retirement plan. They can usually get a better rate on loans from almost any other source.

The biggest issue for employees is that they would be paying loans back with after-tax dollars, which is effectively double taxation, as they pay taxes again once the money is withdrawn from the 401(k). The government tries to dissuade people from dipping into their nest eggs, just as they try to incentivize contributions into a 401(k).

In addition, the employee would pay interest rate of prime plus 1%, along with an origination fee and annual maintenance fee- both fees are determined and charged by the Third Party Administrator.

The loans must be repaid within 5 years and are subject to other restrictions. If the employee leaves the company, the loan is due in full within 60 days.

Start or rollover your retirement plan today.

Get Started Let's Talk

1. Source AON Hewitt and Financial Engine Study, Help in Defined Contribution Plans 2006 through 2012. See report.

2. Study by the U.S. Department of Labor, Employee Benefits Security Administration (EBSA) September 2019. See report.