
How Much Should a Small Business 401(k) Cost in 2026?
A useful cost review includes administration, recordkeeping, investments, advice, and participant-level charges, not just one headline fee.

A useful cost review includes administration, recordkeeping, investments, advice, and participant-level charges, not just one headline fee.

Understand the roles of the plan sponsor, recordkeeper, TPA, custodian, and investment adviser before comparing 401(k) proposals.

A provider conversion works best with a documented benchmark, clear responsibilities, a realistic timeline, and strong participant communication.

A 3(21) advisor provides fiduciary investment recommendations and support while the plan sponsor retains final decision-making authority.

Plan benchmarking is an ongoing process that compares fees, investments, providers, and participant support as the plan changes.

Yes. A small employer can establish a 401(k), but the right design depends on workforce, budget, payroll, and business-owner goals.
You can unsubscribe at any time. Read our privacy policy