401Ks – MRA Advisory Group
Parsippany, NJ - USA
+1 844.672.7623


Need a 401(K) for your business?

Paying too much in 401(k) fees?


Plans administered by Guideline 

The easy, affordable 401(k) for small business

•  $8/month per participating employee  Subscription fee starting at $39/month • No set-up fee 
• Competitive advisory fees (we strive to beat our competitors) 

Plan Administration & Recordkeeping

• ERISA 3(16) Fiduciary
• Automatic Enrollment
• Hassle-Free Plan Setup
• Employee Onboarding
• Account Statements & Notices

Compliance & Reporting

• Plan Testing & Compliance 
• 5500 Preparation & Filing

Investment Management

• ERISA 3(38) Fiduciary
• Low-Cost, High-Quality Investments
• Professionally Managed Portfolios
• Custom Portfolios

Payroll Automation

• Employee Status Changes
• Employee Contribution Changes
• Contribution, Distribution & Loan
• Payroll service integrations:

Education & Support

• Live Chat & Phone Support 
• Employer & Employee Education

The 401(k) Checklist

Questions You Should Ask
Plan Design and Setup

– Do you provide the 401(k) plan document?
– Can you set up a Safe Harbor 401(k)?
– Do you support automatic enrollment?

ANSWERS: Yes. And no extra fees.

Employee Education and Enrollment

– Do you handle employee notices and employee education? 
– Do you offer US-based support via live chat, phone and email? 
– Can employees view / change their accounts on their mobile device?

ANSWERS: Yes. And no extra fees.

Administration and Recordkeeping

– Is the plan administrator a 3(16) plan administration fiduciary? 
– Do you integrate with payroll software? 
– Do you track employee eligibility?
– Do you review and approve hardship withdrawals, loans, and QDROs?

ANSWERS: Yes. And no extra fees.

Compliance and Reporting

– Do you continuously monitor the 401(k) plan for compliance? 
– Do you prepare and file the Form 5500 Annual Report?

ANSWERS: Yes. And no extra fees.

Investment Management

– Is the plan administrator a 3(38) investment management fiduciary?
– Can employees talk with licensed investment advisers?
– Do you offer automatic rebalancing?

ANSWERS: Yes. And no extra fees.

What investments are available?

– Over 40 different
mutual funds

Do you offer any managed investment options?

– 6 managed portfolios

Pricing and Fees

What recurring fees are paid by the employer?

Everything is included
for $8/month per participating

Are there any setup fees?

Employer pays a
one-time $500 fee

Are there any fees for things like filing the Form 5500 or recordkeeping?


Do you receive commisions or 12b-1 fees for mutual funds provided in the plan?


What custodial, advisory, or asset based fees do employees have to pay?

Competitive advisory fees (we strive to beat our competitors’ fees)

What fees are associated with the investments themselves?

Managed portfolios have an average
blended expense ratio of 0.06%

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