Clear Pricing
We deliver great retirement plans with clear pricing that’s easy to understand and easy to choose.
SOLOK
Owner Only Companies
For one or multiple owner companies without employees.
Starting at
$90
Quarterly plan fee
$90
Quarterly per participant
Larger Contributions than SEPs or SIMPLEs ? Fund up to $64,500 ($58,000 if less than age 50) which is higher than SEPs and SIMPLEs.
Roth and Pre-Tax Options ? Contributions can be funded on a pre-tax basis or as Roth contributions for tax free withdrawals at retirement.
Access Funds via Tax-Free Plan Loans ?Borrow 50% of your balance (up to $50,000) tax free if repaid according to IRS regulations.
Flexible Investment Options ?Work with your advisor to establish mutual funds, ETFs, or invest in a brokerage account for more options.
Add a Cash Balance Plan ?If you want to contribution more than $64,500 in a tax-deferred account, you can add a Cash Balance Plan and contribute more than $250,000.
Launch
A 401k that will support you as you grow.
Starting at
$360
Quarterly plan fee
$18
Quarterly per participant
Integrated with Your Payroll ?JULY offers integration with a growing number of payroll providers to streamline the 401k data exchange and make the plan run more smoothly. See the ‘How it Works’ section of the website for details.
Safe Harbor and Non-Safe Harbor ?Safe Harbor Plans allow owners and highly paid employees to maximize their own salary deferrals, but unlike Non-Safe Harbor Plans, they require employers to make contributions of up to 4% of employee’s pay.
Choice of Eligibility Options ?With our standard eligibility, employees can join the plan on the first day of the month 60 days after hire date. With our Flex and Advanced options, you can require 1 year of employment and 1,000 hours of service.
Automatic Enrollment Options ?With our Launch solution, employees are automatically enrolled with a 6% deferral which automatically increases 1% at the beginning of each year. Employee’s can opt out at any time.
Plan and Investment Fiduciary ?Launch 401k is a Pooled Employer Plan and JULY serves as the plan fiduciary – the Pooled Plan Provider – responsible for managing most of the plan functions. The plan also includes an investment fiduciary to select and manage the plan’s investments.
Custom
Up to 250 Employees
For companies and their advisors wanting a tailored plan.
Starting at
$600
Quarterly plan fee
$24
Quarterly per participant
Integrated with Your Payroll ?JULY offers integration with a growing number of payroll providers to streamline the 401k data exchange and make the plan run more smoothly. See the ‘How it Works’ section of the website for details.
Custom Plan Design ?We work with you to customize every feature of your plan, including eligibility, contributions, distributions and loans, and other important features.
Open Investment Menu ?With the help of your advisor, you can create a custom investment lineup for your plan – choosing from thousands Mutual Funds, Exchange Traded Funds, Target Date Funds, Risk Based Models, Separately Managed Accounts, and other types of investments.
Add a Cash Balance Plan ?With Custom, you can add a Cash Balance Plan alongside your 401k to turbo-charge contributions.
Low
Investment
Expenses1
0.13%2
Annual Plan Service Fee
0.17%3
Average Expense Ratio of Core Funds
Your investment advisor will charge a fee to assist with enrolling and educating plan participants.
1 Pricing shown is Launch. Fees will be different for SOLO and Custom based on the investment options chosen. Per the 2019 401k Averages Book, participants paid an average asset-based fee for investment related expenses of 1.89%.
2 Includes custodial fees, trustee fees, and 3(38) investment management services. Investment fiduciary services provided by Expand Financial, a registered investment advisory company.
3 Represents the average expense ratio of the core investment lineup for the Launch product only where Expand Financial is 3(38) Investment Fiduciary.
Get the Details on Our Plans
Included