An affordable, easy 401(k) solution custom built for you

Patriot partnered with Vestwell, a retirement platform that powers more than one million savers and 25,000 small businesses across all 50 states.

PRICING

Exclusive pricing and plan options made for your business.

ONLY FOR PATRIOT CUSTOMERS!

Basic



$80 $50 / month

Best option if you’re setting up your first company 401(k) plan. Affordable, all-in price.


Includes:

3(16) Fiduciary Administration

Payroll integration

Dedicated service representative

Optional Loans, In-Service, and Hardship Withdrawals

And more...

Get Started ›

Full Service



$100 / month

Best option if you’re switching 401(k) providers to Vestwell. Balance of flexibility and price.


Everything in Basic, plus:

Expert plan consultation and flexible plan design

Hours-based eligibility

Optional Discretionary Match & Profit Sharing

And more...


Get Started ›

Solo K



$80 $50 / month



Best for individuals setting up their first plan. Affordable, all-in price.



Includes:

Payroll Integration

Streamlined Administration

Flexible Plan Design

3(16) Fiduciary Administration

And more...


Get Started ›
BONUS
Tax credits can almost entirely offset the cost of a new 401(k) plan - up to $5,000/year plus an additional $500/year if the plan features auto-enrollment. Calculate cost ›

*The $50/month pricing is valid for the initial year of service with Vestwell.

Your employees will be able to:
Start saving for retirement in less than five minutes

View their savings, investment strategy and fund breakdown in a few simple steps

Access support from a dedicated client success manager through phone and email

Explore a comprehensive digital help center with 401(k) educational articles and videos

Employee pricing

NOTE: This cost can be passed on to the employee.



$8 / month

For less than 30 cents a day, your employees can have a high quality retirement platform with a dedicated customer support manager.



.60% / year

Covers investment management management services - i.e. selecting, managing and monitoring your plan’s investments.


Let's see your potential savings!

If you start a qualified retirement plan with auto-enrollment, you may qualify to earn up to $16,500 in tax credits over a three-year period.

Do you currently have a 401(k) plan that was started prior to 2018?

If the plan is more than three years old, it may not be eligible for start-up credit. But you may still be eligible for a $500 auto-enrollment credit!

How many employees do you have whose pay is reflected in a W-2?

Cannot exceed 100 employees to be eligible for credit.

How many non-owner employees will earn less than $135,000 this year??

Please enter number less than your total employee count.

Which plan type?

The maximum number of employees for a Solo plan is 1. Please adjust.

Year 1
Year 2
Year 3
Total

Total recordkeeping fees

   › Annual recordkeeping fees

   › Setup fee ?

   › Employee fee (optional) ?

Total tax credits up to

 › Start-up credit ?

 › Auto-enrollment credit ?

Yearly cost after tax credits

You may need to slide left/right to see full table.

Please note: this calculator is for illustration purposes only. It should not be construed as tax advice. Please consult a tax professional regarding specific tax needs. For further information please visit the IRS website. The tax credits available to your company may change based up on the number of HCEs. Also, the definition of HCE may change based on IRS rules.

Want a proposal? Want to chat with an expert?

why a 401(k)?

More savings for you. More savings for your employees.

401(k) plans allow business owners and employees to save nearly 3.5x more for retirement vs. an IRA program.* In 2022, employees can contribute up to $20,500 to their 401(k) plan ($27,000 for those older than 50), vs. $6,000 in an IRA.

Frequently Asked Questions

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Here’s a few key benefits:

* Recruitment and retention: Retirement benefits help attract and retain top talent - especially in 2022’s tight labor market. More than 3 in 4 (77 percent) working Americans rank retirement savings—such as 401(k) and pension plans—as one of the most important employer-sponsored financial wellness benefits.

* Tax advantages: Employer contributions are deductible on the employer’s federal income tax return, up to a certain amount. And if you’re starting a new 401k) plan, you may be eligible to receive up to $16,500 in tax credits over the first three years to offset the business expense of setting up your 401(k).
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Vestwell is designed to support small businesses and trusted by financial professionals. We partner with financial advisors all over the country, power state government retirement programs, and partner with leading financial institutions that trust us with their retirement offering.

The same 401(k) platform that powers major establishments is available to you as a small business. With Vestwell, you get the best of both worlds: affordable price and top-tier quality.
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Your small business may be eligible to receive up to $16,500 in tax credits over the first three years to offset the expenses needed to set up, administer, and educate employees about the plan. E-mail patriot@vestwell.com to find out how much you could save.

who is vestwell?

Vestwell helps millions of Americans
save for their futures.

26,000

small businesses

1 million

savers

$25 billion

assets under administration

Ready to get started?

With exclusive pricing and seamless integration with Patriot, there's never been a better time to start a 401(k) plan.