USA 401k is a complete-solution, customizable retirement plan designed to ease your administrative burdens, while helping your employees enhance their retirement readiness.
USA 401k is easy, automated, and economical.
The total employer cost to launch your new 401k is just $250, one-time. That covers everything: design, Adoption Agreement, enrollment, and full plan setup.
$500 annual base fee / 12 = less than $42 per month. $20 annual per-participant fee = less than $2 per month (can be paid by the employer or expensed within the employee account).
Eligible businesses get up to $5,500/year, so tax credits often cancel out all employer costs for the first (3) years.
Mutual fund & ETF average expense ratios can be as low as .02% of assets. Annualized program fee, internally, total .80%.
In most cases, considering tax credits under SECURE Act 2.0, a small business billable net cost for a 401k is $0 for the first (3) years. Of course, that depends on the actual credits where employers are eligible for up to $5,000/year for a new 401k + an additional $500/year when auto-enrollment is included, for a total of $5,500 for the first (3) years.
One-time Setup Fee
$250
Annual Fee ($500 + $20 Per Participant)
$700
Net Employer Cost (First 3 Years)*
* No net cost because tax credit exceeds annual fee
$0
Net Employer Cost Year (4) & Thereafter
$700
Note: Businesses with up to 50 eligible employees are also entitled to a tax credit of $1,000 per eligible employee, when the business contributes as a match or Profit Sharing.
Thanks to the SECURE Act 2.0, small businesses can receive generous tax incentives that, in many cases, fully cover 401k startup costs — and even offset matching contributions.
This real-world example shows how a company with 10 employees could owe nothing out-of-pocket ^ for the first (3) years, while also benefiting from an additional credit for employee matching.
Launch a high-quality 401k with no upfront financial burden.
Offer an appealing employee benefit, often with $0 net cost to small businesses, thanks to new tax credits.
Support your owner and executive retirement goals.
^ Example is hypothetical and for illustrative purposes only; your results may vary. This is not tax advice — consult your CPA for specific tax advice.
“Our goal with USA 401k is to make high-quality retirement plans accessible and affordable for every business — no matter the size. Through transparent pricing and smart tax credit strategies, we help employers offer competitive 401k plans without the traditional financial burden.”
— John M. Novak
CPFA®, AIF®, CRPS®, Retirement Plan Specialist
USA 401k connects with 500+ payroll providers through 360° API-based syncing. This ensures automatic processing of contributions, seamless deferral updates, and less work for your HR team!
Employee secure data is pre-populated for streamlined enrollment and hands off by your HR. Payroll integration is the most modern technology which eliminates manual work while reducing your risk.
USA 401k is the perfect complete-package retirement plan distinctively designed for small to mid-sized businesses.
Constructing the right plan for your unique needs is easy with our flexible options at no extra cost. Under way, you can rest easy on administrative burdens — we handle 401k operations while you manage your business growth.
With USA 401k, you are represented by a well-established company with a long, distinguished track record in the retirement plans marketplace. We are proud to serve you and your employees for successful retirement readiness.
Setup takes just (15) minutes if you’d like!
Scalable solution for businesses of any size — from 2 to 5,000 employees
USA 401k specializes in maximizing owner contributions
Distinct focus on hiring & retaining high-caliber employees
Administration, 5500 & tax reporting, compliance, & plan documents with your tailored design included
360 degree payroll integration
Open-architecture investment platform - 20,000+ funds & 3,000+ ETFs
3(21) co-fiduciary or 3(38) fiduciary investment advisor built in to handle investment design and monitoring*
MML Investors Services, LLC as broker-dealer (MassMutual)
* Expertise from Accredited Investment Fiduciary designees with USA 401k to handle investment design and monitoring. Working with a retirement plan advisor as your ERISA 3(21) co-fiduciary or 3(38) fiduciary has significant potential to limit your exposure to fiduciary liability, while reducing the time and expertise required to perform the plan's ongoing investment monitoring and selection duties.
High participation and successful retirement outcomes starts with exceptional employee education. USA 401k complements your HR team by handling all aspects of enrollment, plan design communication, and continued guidance to help your employees achieve financial wellness. An educated employee is a confident and happy employee who appreciates the benefit they deserve!
Unlimited enrollment meetings: virtual or in-person
1-on-1 financial guidance
Targeted education campaigns using behavioral science to help drive engagement and improve retirement readiness
Quarterly group seminars & webinars
Online + mobile access: view real-time account performance, process transactions, rebalance assets, and research funds
Interactive retirement planning calculators
Multilingual support: English and Spanish VRU available 24/7, customer service representatives available for live support during business hours
Newsletters quarterly
We let you stay in control of all aspects of your fund selections and future changes. USA 401k is open architecture, which means that you have access to most all funds & ETFs open to 401k investing.
20,000+ funds & 3,000+ ETFs
Vanguard - all funds open to 401k investing
Targeted education campaigns using behavioral science to help drive engagement and improve retirement readiness
Blackrock, Charles Schwab, Fidelity, Goldman Sachs, J.P. Morgan, American Funds, T. Rowe Price, & hundreds of additional top-shelf fund families
Effectively no limit on the # of investment slots in your 401k
Interactive retirement planning calculators
No cost for evaluation, research, or investment changes
A 3(21) co-fiduciary or 3(38) ERISA fiduciary investment advisor is built into USA 401k, handling the design, monitoring and fund recommendations to help reduce the investment responsibility on the part of the employer. Employees are equally well served with a full spectrum of investment options, continued financial education, and customized strategies to help achieve retirement readiness.
investment monitoring ongoing, fund & ETF recommendations
performance results & peer assessment via Fiduciary Investment Reviews
Investment Committee guidance & due diligence direction
effectively no limit on the # of investment slots in your 401k
fee benchmarking & provider comparative analysis
We offer more than just attractive pricing — we deliver unparalleled employer responsiveness, best-in-class employee engagement, and 1-on-1 financial guidance.
No hidden fees, no transaction costs, and no surprises. We break down every dollar — so you always know exactly what you’re paying for.
From payroll integration, 5500 tax filings, to compliance, we take care of the heavy lifting so you can focus on your business — not your 401k paperwork.
Your employees get live enrollment help, smart retirement tools, and 1-on-1 support to boost participation and retirement readiness.
Everything your business needs to offer a modern, compliant, and employee-friendly retirement plan.
All administration services are provided by Vestwell: 5500, government reporting, ERISA plan compliance, document updates, required employee notices, and distributions.
USA 401k connects with 500+ payroll providers through 360° API-based syncing. This ensures automatic processing of contributions, seamless deferral updates, and less work for your HR team!
We let you stay in control of all aspects of your fund selections and future changes. USA 401k is open architecture, which means that you have access to most all funds & ETFs open to 401k investing.
A 3(21) co-fiduciary or 3(38) fiduciary investment advisor is built into USA 401k, handling the design, monitoring and fund recommendations to help reduce the investment responsibility on the part of the employer.
High participation and successful retirement outcomes starts with exceptional employee education. USA 401k complements your HR team by handling all aspects of enrollment, plan design communication, and continued guidance to help your employees achieve financial wellness. An educated employee is a confident and happy employee who appreciates the benefit you are providing!
Open-architecture platform (mutual funds, ETFs, securities)
70+ years of combined retirement plan experience
Designed for businesses with 2–5,000 employees
Accredited Investment Fiduciary (AIF®)
Chartered Retirement Plan Specialist (CRPS®)
Record keeping by Vestwell (independent provider)
Custodian: Matrix Financial Solutions (a Broadridge Company)
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Securities and investment advisory services offered through qualified Registered Representatives of MML Investors Services, LLC. Member SIPC® and a subsidiary of MassMutual. Supervisory Office: Vista Wealth Strategies 201 King of Prussia Road Radnor, PA 19087. Tel: (610) 766 3000. Neither USA 401k nor Retirement Designs are subsidiaries or affiliates of MML Investors Services, LLC. or its affiliated companies. Administration and record keeping are provided through Vestwell. Vestwell is not an affiliate or subsidiary of MML Investors Services, LLC or its affiliated companies. CRN202807–8778806
For licensing information: https://www.usa401k.com/licensing. Check the background of this financial professional on FINRA’s BrokerCheck.
CA Insurance License # 0819761, Domiciled in PA
