CoPilot Small Business 401(k)
Expand your services and deepen client relationships with a small business retirement plan built for efficiency. CoPilot 401(k) simplifies the setup and management of small business plans—no minimums, full-service administration, and expert 3(38) investment oversight—so you can focus on advising clients and scaling your business.
Simplify retirement plan sales
Deliver more value to your clients—without adding complexity to your workflow. CoPilot 401(k) is designed to make it easier for financial advisors to offer and manage retirement plans for small businesses.
Simple, cost-effective 401(k) designed for you and your clients
Through a clear, skillfully selected 401(k) plan design, CoPilot equips you with a retirement solution that's easy to implement, manage, and scale.
| Key Features | |
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Value-focused, low-cost plan design |
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Full-service administration and compliance testing |
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3(38) investment manager and fiduciary services through Newport Group Consulting, a national investment manager.* |
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Automatic enrollment and auto-increase for SECURE 2.0 compliance |
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Fast, online plan setup |
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Integrated Financial Wellness education (Financial Finesse Essentials) and MyForecast for participant engagement |
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200+ payroll integrations for operational efficiency |
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READYSAVETM app for participant engagement |
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Roth 401(k) contributions available |
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Plan health reporting |
*3(38) Investment fiduciary services are offered through Newport Group Consulting, LLC, an SEC registered investment adviser.
Ascensus CoPilot 401(k) plan pricing
Offer straightforward, transparent retirement plans without sacrificing your margins. CoPilot 401(k) gives you the flexibility to serve more clients—competitively and confidently.
| Employer Base Fee | $125/month |
| One-time costs | |
| Implementation Fee | $500 |
| Employee fees | |
| Monthly Recordkeeping | $4/participant |
| Annual Custodial and Trading* | 0.07% |
| Annual Investment Fiduciary* | 0.25% |
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*Fees are shown in annual terms but are deducted monthly. As of 07/01/2023 |
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Investment lineups
Passive fund lineup
A diversified lineup of passively managed funds designed to track market benchmarks.
Hybrid fund lineup
A blend of passive and actively managed funds, overseen by a professional portfolio manager.
25 bps fund lineup
A compensation-based lineup combining passive and active funds with a 25 bps advisor fee structure.
50 bps fund lineup
A compensation-based lineup combining passive and active funds with a 50 bps advisor fee structure.
CoPilot 401(k) advisor resources
Explore educational content and sales tools built to help you communicate value, answer questions, and drive client decisions.
Start the conversation.
Let's talk about how CoPilot 401(k) can help you deliver more value to your clients and scale your practice with confidence. Give us a call or complete the form and a specialist will connect with you to explore how CoPilot 401(k) can fit your clients' needs and your goals.
For new plan sales: 833-893-3233
For existing plan services: 833-892-8878