Low-Cost 401(k) Plans, Simplified for Small Businesses

A simple online, turn-key 401(k) plan for small business with Fortune 500 features

Serving the Retirement Industry for Over 30 Years

5/5

Straightforward Pricing

Save more of your money. Low-cost administration and recordkeeping. Low-Cost investments. No hidden fees, no kickbacks.

More Investment Options

Over 3,000 no load, no transaction fee funds to choose from. Buy stocks, bonds, ETFs and CDs in your 401(k) account.

Superior Service

From investment selection to retirement planning. We can help your employees on an individual basis grow a secure future.

Simple

Web-based administration, Industry-leading technologies. Online enrollments and education.

FULL SERVICE 401(k) PLAN

$995

ANNUALLY

+ $25 per participant

With $0 Commissions for Online Equity Trades we can help your retirement savings grow more efficiently

Our platform gives you the Market Leaders in Low-Cost Investment Options.

Providing Plan Sponsors and Participants with the lowest cost funds available in the marketplace. Reducing participant Investment costs translates into larger account balances. *

Just a few more reasons why small businesses love Wellington.

Wellington Retirement Solutions, Inc. assists small and medium-sized businesses across the nation maintain successful retirement plans for their employees and we get those employees on the path to a rewarding retirement. Here’s how…

Just a few reasons why small businesses love Wellington.

Wellington Retirement Solutions, Inc. assists small and medium-sized businesses across the nation maintain successful retirement plans for their employees and we get those employees on the path to a rewarding retirement. Here’s how…

Low Cost Index Funds

Mutual funds with expense ratios as low as 0.02% with no custodial fees. No hidden fees, no kickbacks.

more investment options

Over 3,000+ no-load mutual funds from 500+ fund families. Buy Stocks, Bonds, CDs or even ETFs.

Target Date Funds

Asset re-balancing based on your target date for retirement. Target Date funds with expense ratios as low as 0.08%.

sUPPORT & SERVICE

Point-of-Contact & Team Approach to service – Speak with the same person/team each time

ONLINE Administration

Industry-leading technologies, online enrollment, education and administration.

ERISA 3/38 Fiduciary

We are an ERISA 3(38) Investment Manager which greatly reduces the trustee’s fiduciary liability.

Self Directed Accounts

Self-directed accounts available at no cost with $0 commissions for online trades. Most competitors charge additional fees for this option.

Fully Managed Models

Participants want choices, and they deserve them. Wellington not only offers self-directed accounts, but fully-managed Model Portfolios, too.

Low Cost Index Funds

Mutual funds with expense ratios as low as 0.02% with no custodial fees. No hidden fees, no kickbacks.

more investment options

Over 3,000+ no-load mutual funds from 500+ fund families. Buy Stocks, Bonds, CDs or even ETFs.

Target Date Funds

Asset re-balancing based on your target date for retirement. Target Date funds with expense ratios as low as 0.08%.

ERISA 3/38 Fiduciary

We are an ERISA 3(38) Investment Manager which greatly reduces the trustee’s fiduciary liability.

sUPPORT & SERVICE

Point-of-Contact & Team Approach to service – Speak with the same person/team each time.

ONLINE Administration

Industry-leading technologies, online enrollment, education and administration.

Self Directed Accounts

Self-directed accounts available at no cost with $0 commissions for online trades. Most competitors charge additional fees for this option.

Fully Managed Models

Participants want choices, and they deserve them. Wellington not only offers self-directed accounts, but fully-managed Model Portfolios, too.

Low Cost Index Funds

Mutual funds with expense ratios as low as 0.02% with no custodial fees. No hidden fees, no kickbacks.

more investment options

Over 3,000+ no-load mutual funds from 500+ fund families. Buy Stocks, Bonds, CDs or even ETFs.

Target Date Funds

Asset re-balancing based on your target date for retirement. Target Date funds with expense ratios as low as 0.08%.

sUPPORT & SERVICE

Point-of-Contact & Team Approach to service – Speak with the same person/team each time

Web Based Administration

Industry leading technologies. Online enrollments, education and administration.

ERISA 3/38 Fiduciary

We are an ERISA 3(38) Investment Manager which greatly reduces the trustee’s fiduciary liability.

Self Directed Accounts

Self-directed accounts available at no cost with $0 commissions for online trades. Most competitors charge additional fees for this option.

Fully Managed Models

Participants have choices, as it should be. Self-directed and fully managed accounts are available. .

Just a few reasons why small businesses love Wellington.

Wellingtons’ fees are low-cost and transparent. Most 401(k) plans pay average expenses of 1.5% – 3%, with most fees hidden in proprietary mutual funds. With our 401(k) plan we lower your expenses to as low as 0.5%. That’s big savings. No hidden fees, no kickbacks!

Low Cost Index Funds

Mutual funds with expense ratios as low as 0.02% with no custodial fees. No hidden fees, no kickbacks.

more investment options

Over 3,000+ no-load mutual funds from 500+ fund families. Buy Stocks, Bonds, CDs or even ETFs.

Target Date Funds

Asset re-balancing based on your target date for retirement. Target Date funds with expense ratios as low as 0.08%.

superior service

Point-of-Contact & Team Approach to service – Speak with the same person/team each time

Web Based Administration

Industry leading technologies. Online enrollments, education and administration.

ERISA 3/38 Fiduciary

We are an ERISA 3(38) Investment Manager which greatly reduces the trustee’s fiduciary liability.

Self Directed Accounts

Self-directed accounts available at no cost. Most competitors charge additional fees for this option.

Fully Managed Models

Participants have choices, as it should be. Self-directed and fully managed accounts are available.

A Custodian You Can Trust With Your Assets and Investment Future

Over 3,000 No-Load, No-Tranaction Fee Funds to Choose From.

$0 Equity Online Commissions

Features / FAQ

Charles Schwab & Co., Inc. acts as the custodian for plan assets.*

In this day and age, it’s important to know where your money is. Too many plans pool all investment funds at some unknown place, where they calculate the percentage of the pool you own on a regular basis. Then you log in and see your balance.

Frankly, this isn’t good enough for our clients. We designed the plan so that each participant is provided with a separate account at Charles Schwab & Co. 

In addition to using our website to access your account, you also have the ability to access your account through Schwab.com. That’s what we call peace of mind.

*The Wellington Retirement Solutions, Inc. is not affiliated with The Charles Schwab Corporation or any of its affiliates.

Index funds are the low-cost leader, and we use them extensively as the core choices for plan participants. Most 401(k) plans pay average expenses of 1.5% – 3%, with most fees hidden in proprietary mutual funds. With our 401(k) plan we lower your expenses to as low as 0.02%. That’s big savings.

However, you can also have your cake and eat it too.

Because of our unique, low cost 401(k) platform, you can have an array of nearly unlimited investment options from the most respected fund families – not just one family of funds. We offer thousands of no-load, load-waived, no-transaction-fee mutual funds to choose from.

Additionally, for those more astute investors, a self-directed investment option is available with a universe of ETFs, stocks, bonds, and CDs as optional investments available at no extra charge.

Most plan participants want investing to be simple. The simple fact is that it’s not.

However, we simplified investing with our online portfolio picker. By answering a few simple questions, this tool selects and designs a portfolio of low-cost funds for the participant based on their specific age and risk level.

This option has been so successful that over 80% of plan participants use it .

Unlike other provider plans, your 401(k) plan with Wellington includes an Advisor at no additional cost. Registered Investment Adviser Representatives available to provide advice for all employees (most TPAs can’t offer this feature or do so at an additional cost).

We all work hard, and sometimes managing finances and investing can be confusing and complicated. In this time of automated machines, it’s nice to be able to talk to a real person who can who can help you. That’s where our staff of Registered Investment Adviser Representatives  can help.

We can help make your employees’ difficult financial decisions easy. As an employer, you can rest easy knowing you have the fiduciary protection of a 3(38) Investment Manager.

And if you want to talk to the same person again, you can. Unlike…well you know who.

We are an ERISA 3(38) Investment Manager which greatly reduces the trustee’s fiduciary liability.

A 3(38) investment manager has full fiduciary responsibility for its investment decisions, subject to the terms of the plan documents and its investment policy statement. The plan sponsor and all other plan fiduciaries are relieved of all fiduciary responsibility for the investment decisions made by the investment manager. The plan sponsor does have a continuing responsibility to monitor whether the investment manager is actually performing the services but need not second guess its investment decisions.

This shifting of fiduciary responsibility is the key distinction — and core advantage — of using a 3(38) investment manager. In the face of ever-increasing litigation and heightened regulatory scrutiny, many plan sponsors want this extra layer of protection, especially if they are not comfortable making the plan’s investment decisions themselves.

As a business owner or Human Resources Officer, you need to make sure that the 401k plan you select meets the requirements to keep all potential liabilities at bay, as well as satisfying employees’ needs.

That means selecting the right low-cost investments, providing help for your employees, and using online tools to help them achieve their retirement goals.

We built this plan to help satisfy these objectives.

At the foundation of any retirement plan is recordkeeping. We keep it simple and electronic. That allows us to offer you a low-cost, full-service 401k plan, and still pass our savings on to you.

By having your plan’s forms and educational material (including multimedia presentations) available online 24/7, WellingtonHQ makes online enrollment and account maintenance a quick & easy process for administrators and participants.

Our plans are full-service – Wellington prepares and completes all of the plan’s tax filings and annual nondiscrimination & compliance testing. If you want to skew benefits to maximize owner contributions, we can help you with that by designing a Cross-Tested plan for your company (also referred to as a New Comparability plan, or Age-Weighted plan).

Lack of understanding is one of the main reasons why people do not save for retirement. Let us teach your employees. The more they understand, the more they will feel compelled to save. The more they save, the more they take ownership of their retirement.

A live webinar is a great way to introduce Wellington and the 401(k) Plan to your employees. This helps create a relationship where the employees build trust. To further that trust, when they have a question or want advice they are usually going to speak with the same person who presented the meeting.

Have Questions?

If you need to speak to us about a general query fill in the form below and we will call you back within the same working day.

Are you ready to get started?

Request a proposal or get a benchmark report today. See all of the services we offer and let us show you how little it can actually cost to run your 401(k) plan with us.

Have Questions?

If you need to speak to us about a general query fill in the form below and we will call you back within the same working day.

Are you ready to get started?

Request a proposal or get a benchmark report today. See all of the services we offer and let us show you how little it can actually cost to run your 401(k) plan with us.

*Wellington Retirement Solutions, Inc. is not affiliated with Charles Schwab & Co. Inc., Vanguard Group or BlackRock, Inc.