CoPilot and Raymond James

Automated 401(k) Plans for Small Business Clients

Advisors and their small business clients need retirement plans that are easy to launch, affordable to maintain, and compliant with evolving regulations. The Raymond James CoPilot 3(38) 401(k) solution is designed to combine Ascensus’ technology-driven retirement plan platform with fiduciary services from Raymond James to help you deliver more value to your clients.  

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Streamline 401(k) setup and compliance for small businesses

Whether you’re helping clients start their first 401(k) or scale an existing plan, the Raymond James CoPilot 401(k) makes it easier. This solution helps shorten the sales cycle, streamlines plan setup, and keeps participants engaged, all while meeting SECURE 2.0 requirements.

Key benefits for advisors and clients
Low-cost, value-focused plan design
No asset or employee minimums
Traditional 401(k) options for fee-based advisors
Full-service administration and compliance testing 
3(38) fiduciary services provided by Raymond James
Fast, online plan setup and ongoing plan health reporting
Automatic enrollment and auto-increase for SECURE 2.0 compliance 
200+ payroll integrations for operational efficiency 
READYSAVET™ app and MyForecast for participant engagement
Integrated financial wellness education with Financial Finesse Essentials

Transparent pricing for small business 401(k) plans

The Raymond James CoPilot 3(38) solution delivers transparent pricing, no minimums, and a turnkey design that helps small business clients offer retirement plans with ease and confidence.

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Employer Fee $100/month
One-time costs  
Implementation Fee $390
Employee fees  
Monthly Recordkeeping $5/participant
Annual Custodial and Trading* 0.07%
Annual Intermediary Service Fee (Includes 3(38) Fiduciary Fee) Set by fee-based advisor
*Fees are shown in annual terms but are deducted monthly. The monthly custodial and trading fee is roughly 0.00583%.
** The intermediary service fee will be converted to a monthly charge by dividing the annual fee by 12.		 As of 07/01/2023
Pricing subject to change

Advisor resources

Explore resources to help you highlight plan benefits and lead value-driven client discussions. 

Start the conversation.

Let's talk about how the Raymond James CoPilot 3(38) 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 this solution can fit your clients' needs and your goals.

For new plan sales: 833-893-3233

For existing plan services: 833-892-8878