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Qmulate 401(k) for Employers
Your Employees Are Building Your Future. Who's Protecting Theirs?
Real Advice. Real People. Real Retirement Results — with transparent pricing and a fiduciary process you can explain in one sentence.
See how fees impact 401(k) balances over time.
Our Trusted Partners
Qmulate provides limited-scope ERISA 3(21) fiduciary advice. Independent providers handle plan custody, recordkeeping, and administration based on each plan's design and size.
Vanguard - Custody
For plans using Vanguard, plan assets are held separately from Qmulate through the plan's custodial arrangement.
Ascensus - Recordkeeping & TPA
Ascensus may provide recordkeeping and third-party administration services for plans using that service arrangement.
Ubiquity - Small Plan Services
Ubiquity Retirement + Savings may provide plan and recordkeeping services for certain smaller-business arrangements.
The providers used for a specific plan are identified in the plan documents and service agreements. Qmulate focuses on non-discretionary investment advice and participant education within its limited-scope 3(21) role.
Why Qmulate 401k?
Give your employees the retirement they thought they already had.
Personalized Advice
We offer personalized investment advice to each participant helping to align their risk with their goals. We also offer many online resources on retirement savings.
Clear Costs
Our published pricing separates advisory, base, and participant fees so plan sponsors can evaluate costs alongside the services provided.
Fiduciary Care
Qmulate provides non-discretionary, limited-scope ERISA 3(21) advice while the plan sponsor retains final authority over plan decisions.
Real advisors, not robots
You and your employees talk to actual people who understand retirement planning—not a chatbot or algorithm. When questions come up, you get clear answers from a human advisor.
Start Your Free 401(k) Analysis
Call us at 805.465.7370 opt 1 or email us at [email protected] to learn how we can help with your retirement plan. You can also complete the form below and schedule a complimentary call at a time that works best for you.