Employee Fiduciary review

Employee Fiduciary keeps its price list short. A group 401(k) costs a $1,500 annual base fee that covers up to 30 eligible employees, with $30 more for each additional employee, plus a custody fee of 0.08% of plan assets. New plans pay a $500 establishment fee and conversions pay $1,000. The solo 401(k) costs $500 a year plus the same 0.08% custody fee and a one-time $250 setup fee, and it only covers business owners and their spouses. For a 20-person company, $1,500 a year works out to $125 a month with no per-participant charge, which is cheaper than most per-head pricing once headcount grows. The company also offers Safe Harbor 401(k) and 403(b) plans and lists payroll integration on its site. It ranks last here because its pages describe fewer bundled services, such as fiduciary roles and audit help, than the higher-ranked providers.

Who it is for

cost-focused employers with up to 30 eligible employees

Price

Solo 401(k) $500 a year plus 0.08% custody and $250 setup; group 401(k) $1,500 a year for up to 30 eligible employees plus 0.08% custody and $500 setup.

The Base Fee For Your Employee Fiduciary 401(k) Plan Will Be $500 Annually An annual custody fee equal to 0.08% of plan assets will also apply.
Quoted from the vendor pricing page on November 14, 2026.

Key features

• Group base fee of $1,500 a year covers up to 30 eligible employees
• Each additional eligible employee adds $30 to the base fee
• Custody fee of 0.08% of plan assets
• Solo 401(k) at $500 a year for business owners and spouses
• Safe Harbor 401(k) and 403(b) plans also offered

Strengths and weaknesses

• Strength: Low 0.08% custody fee
• Strength: Base fee covers up to 30 eligible employees
• Strength: Online price calculator on the pricing page
• Weakness: Base fee is billed annually rather than monthly
• Weakness: Establishment fee of $500 for new group plans, $1,000 for conversions
• Weakness: Fewer bundled extras than Human Interest or Betterment

Key facts

• Group base fee: $1,500 a year, up to 30 eligible employees
• Solo base fee: $500 a year
• Custody fee: 0.08% of plan assets
• Setup: $500 group, $250 solo

Where it ranks

Employee Fiduciary is No. 8 in our Best 401K Providers verdict.