COMPARE YOUR FEES

Benchmark Your 401(k) Provider Fees

See how our fees compare to 40+ leading 401(k) providers or request a no-cost fee comparison for your plan. 

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Let's Benchmark Your 401(k) Fees!

Small b usinesses have a fiduciary responsibility to pay only "reasonable" 401(k) fees because all fees paid from plan assets  - even the hidden ones - lower the investment returns of plan participants dollar-for-dollar.

To prove 401(k) fees are reasonable, they must be benchmarked - basically, compared to comparable plans or industry averages on an apples-to-apples basis.

Employee Fiduciary can help you benchmark your fees. We offer a no-cost fee comparison service. Request a fee comparison from us and  we'll provide you with a report that shows...

  • Your current plan's "all-in" fee (administration + investment fees), including any hidden fees charged by your 401(k) provider
  • How much a comparable plan would cost at Employee Fiduciary.
Request a Fee Comparison

Browse Our Fee Comparisons

Over the years, our firm has completed hundreds of small business 401(k) fee comparisons. Our most recent comparisons can be found below. They show the administration and investment fees charged by 40+ leading 401(k) providers.

ADP
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
14
$250,990.77
20.88%
PDF
2020
ADP
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
23
$329,199.49
67.44%
PDF
2020
ADP
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
174
$3,653,515.16
73%
PDF
2020
ADP
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
64
$997,904.08
73.02%
PDF
2021
ADP
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
55
$651,305.95
67.5%
PDF
2021
ADP
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
19
$2,954,638.57
77.93%
PDF
2021
ADP
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
62
$919,151.30
70.36%
PDF
2022
ADP
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
3
$193,809.73
73.12%
PDF
2023
ADP
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
54
$10,213,815.85
2.16%
PDF
2024
Alerus
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
10
$1,084,314.49
79.24%
PDF
2024
America's Best 401k
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
5
$632,777.00
51.46%
PDF
2024
American Funds
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
10
$681,866.17
73.35%
PDF
2020
American Funds
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
32
$620,029.88
56.27%
PDF
2020
American Funds
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
7
$415,923.59
60.44%
PDF
2020
American Funds
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
10
$1,637,514.42
79.57%
PDF
2021
American Funds
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
25
$681,353.18
81.44%
PDF
2023
American Funds
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
18
$$1,189,547.27
82.06%
PDF
2024
American Trust
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
8
$436,830.61
12.41%
PDF
2022
Ameritas
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
10
$413,004.49
66.85%
PDF
2020
Ameritas
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
7
$1,222,931.46
59.96%
PDF
2022
Ameritas
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
9
$766,796.56
55.22%
PDF
2022
Ascensus
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
24
$2,296,086.01
72.13%
PDF
2020
Ascensus
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
16
$385,626.40
70.61%
PDF
2021
Ascensus
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
10
$493,625.63
74.94%
PDF
2023
Ascensus
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
20
$2,587,379.11
18.28%
PDF
2024
Aspire
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
39
$697,935.35
67.6%
PDF
2020
Cetera
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
15
$197,716.92
66.83%
PDF
2022
CUNA
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
74
$2,238,585.35
51.91%
PDF
2023
Empower
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
40
$3,530,777.00
76.73%
PDF
2020
Empower
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
11
$1,319,609.00
78.61%
PDF
2020
Empower
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
5
$1,089,159.00
72.27%
PDF
2020
Empower
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
9
$1,153,829.00
60.75%
PDF
2020
Empower
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
7
$536,587.00
80.13%
PDF
2022
ePlan
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
78
$2,032,497.46
72.42%
PDF
2024
Equitable
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
14
$518,225.66
66.92%
PDF
2022
Fidelity
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
59
$4,491,011.00
69.54%
PDF
2020
Fidelity
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
8
$2,363,859.00
58.59%
PDF
2021
Guideline
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
34
$196,057.34
50.59%
PDF
2021
Guideline
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
5
$73,674.08
2.55%
PDF
2024
John Hancock
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
42
$3,093,905.56
71.97%
PDF
2020
John Hancock
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
140
$1,389,009.33
56.54%
PDF
2020
John Hancock
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
10
$55,943.06
4.21%
PDF
2020
John Hancock
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
15
$3,299,624.29
76.9%
PDF
2021
John Hancock
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
18
$2,413,033.39
71.01%
PDF
2021
John Hancock
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
224
$10,654,169.49
74.83%
PDF
2021
John Hancock
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
5
$296,183.23
63.22%
PDF
2021
John Hancock
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
11
$1,033,749.01
66.01%
PDF
2021
John Hancock
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
14
$172,359.41
66.09%
PDF
2022
John Hancock
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
18
$690,781.12
73.88%
PDF
2022
John Hancock
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
9
$675,633.89
75.3%
PDF
2023
John Hancock
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
50
$2,351,459.92
83.87%
PDF
2023
John Hancock
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
15
$3,032,006.73
73.82%
PDF
2023
John Hancock
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
5
$378,590.52
64.75%
PDF
2023
John Hancock
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
4
$46,289.30
38.05%
PDF
2024
July Business Services
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
21
$ 423,353.00
59.4%
PDF
2021
July Business Services
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
10
$840,297.00
68.73%
PDF
2022
Lincoln
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
21
$2,841,065.47
76.79%
PDF
2021
MassMutual
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
45
$601,741.15
77.77%
PDF
2020
MassMutual
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
22
$337,720.00
74.06%
PDF
2020
Mutual of Omaha
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
14
$2,668,746.07
78.71%
PDF
2021
Nationwide
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
16
$2,517,335.78
85.8%
PDF
2020
Nationwide
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
2
$481,375.65
79.89%
PDF
2020
Nationwide
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
6
$1,458,880.11
72.02%
PDF
2022
Nationwide
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
3
$653,073.34
78.49%
PDF
2023
PAi
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
3
$444,484.93
20.32%
PDF
2020
PAi
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
70
$2,246,403.85
14.37%
PDF
2020
PAi
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
79
$699,012.14
70.96%
PDF
2021
PAi
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
200
$338,899.68
8.64%
PDF
2022
PAi
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
13
$1,323,101.02
81.84%
PDF
2022
Paychex
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
3
$521,891.12
75.22%
PDF
2020
Paychex
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
15
$2,685,277.32
58.39%
PDF
2020
Paychex
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
38
$2,023,776.31
64.55%
PDF
2020
Paychex
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
20
$152,023.59
58.06%
PDF
2020
Paychex
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
100
$914,897.43
60.66%
PDF
2020
Paychex
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
8
$552,705.91
75.17%
PDF
2020
Paychex
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
23
$1,255,671.07
23.03%
PDF
2020
Paychex
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
50
$605,953.09
63.18%
PDF
2020
Paychex
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
51
$6,112,252.51
64.74%
PDF
2021
Paychex
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
3
$134,744.17
49.71%
PDF
2021
Paychex
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
51
$491,323.16
63.77%
PDF
2021
Paychex
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
5
$526,703.32
57.21%
PDF
2022
Paychex
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
13
$497,526.36
63.01%
PDF
2023
Paychex
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
3
$102,903.63
38.6%
PDF
2023
Paychex
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
28
$2,807,891.03
61.02%
PDF
2023
Paychex
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
34
$1,772,395.01
34.07%
PDF
2023
PCS
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
10
$460,708.84
75.27%
PDF
2020
Pentegra
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
200
$15,218,855.41
63.33%
PDF
2024
Principal
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
6
$390,050.00
62.33%
PDF
2021
Principal
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
87
$26,279,120.00
67.6%
PDF
2021
Principal
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
20
$3,035,615.00
78.2%
PDF
2021
Principal
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
46
$2,416,843.23
79.62%
PDF
2021
Principal
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
38
$13,435,176.00
74.05%
PDF
2022
Principal
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
102
$17,793,471.00
68.55%
PDF
2022
Principal
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
15
$295,661.00
79.11%
PDF
2023
Principal
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
8
$1,154,454.00
85.03%
PDF
2023
Principal
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
5
$396,921.00
72.75%
PDF
2023
Principal
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
30
$680,634.00
81.82%
PDF
2024
Retirement Plan Consultants
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
15
$1,913,278.80
75.16%
PDF
2023
Sharebuilder 401k
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
14
$395,368.80
54.21%
PDF
2021
Sure401k
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
75
$1,859,611.79
81.56%
PDF
2024
T. Rowe Price
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
91
$4,950,881.00
55.4%
PDF
2020
T. Rowe Price
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
34
$3,016,431.00
74.03%
PDF
2024
TAG Resources
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
4
$670,268.16
49.76%
PDF
2022
Transamerica
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
52
$812,310.95
54.95%
PDF
2020
Transamerica
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
17
$1,839,007.76
74.56%
PDF
2022
Ubiquity
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
21
$684,689.89
14.23%
PDF
2020
Vanguard
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
20
$171,362.90
58.87%
PDF
2020
Vanguard
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
20
$1,472,281.81
29.82%
PDF
2022
Vanguard
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
10
$3,244,849.53
61.48%
PDF
2022
Vanguard
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
16
$$1,750,471.12
20.35%
PDF
2024
VOYA Retirement Plans
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
17
$2,096,928.75
80.92%
PDF
2020
VOYA Retirement Plans
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
56
$1,577,672.13
83.48%
PDF
2021
VOYA Retirement Plans
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
10
$718,465.78
77.13%
PDF
2022
VOYA Retirement Plans
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
29
$1,478,431.00
62.06%
PDF
2023
VOYA Retirement Plans
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
97
$7,261,142.51
77.82%
PDF
2024
VOYA Retirement Plans
Eligible Employees
Plan Assets
Savings Percentage
Download
Year
24
$$3,001,032.79
78.63%
PDF
2024
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