Log In 401(K) FEES AND SERVICES DISCLOSURE TRADITIONAL & ROTH INDIVIDUAL RETIREMENT ACCOUNT (IRA) FEES AND SERVICES DISCLOSURE Guideline Fees and Services Disclosure Last Updated: August 27, 2021 401(K) FEES AND SERVICES DISCLOSURE Guideline’s retirement plan services include recordkeeping, investment management, and plan administration. We serve as a 3(38) fiduciary investment manager; as well as a 3(16) plan administrator for clients who utilize an eligible, integrated payroll provider. Benefit Trust Company, a Kansas-chartered trust company, provides discretionary custodial services to our plans. The fees stated here are shared for informational and comparison purposes to enable prospective clients to determine the reasonableness of Guideline’s fees, in accordance with the requirements of section 408(b)(2) of ERISA. Guideline reserves the right to modify these fees at our discretion. Plan Sponsor Fees Type of Fee Fee Monthly Base Fee $49 for Core Plan; $79 for Flex Plan; $129 for Max Plan Monthly Active Participant Fee $8 per active participant Monthly Base Fee Guideline charges plan sponsors a Monthly Base Fee depending on the service level the plan sponsor has selected. To be eligible for Core pricing ($49 base fee per month), plan design is limited to a Code section 401(k)(12)(B) safe harbor arrangement. Plan sponsors should carefully consider the costs associated with the matching contribution requirements of a 401(k)(12)(B) safe harbor when evaluating whether the Core service is an appropriate and cost-effective structure. The Monthly Base Fee is subject to modification upon certain changes to the plan adopted by the plan sponsor. Plan sponsors may elect to move between service levels once during any calendar year. In the event of a plan’s transfer to Guideline, the base fee remains effective for a minimum of twelve (12) full calendar months from the effective date of the Guideline 401(k) plan. For plan sponsors reported to be in a controlled group with other entities which have, or will, adopt a Guideline 401(k) plan, the base fee will be invoiced to the entity selected by the plan sponsor as a single base fee for all entities which comprise the controlled group. Monthly Active Participant Fee This fee is assessed for each current employee with an account balance at any time during the billing period, regardless of whether the participant has contributed or is contributing to the plan. Extraordinary Services Fee Monthly fees are intended to cover routine and ordinary services provided by Guideline. In the event services are required which exceed the scope of mutually agreed upon services, Guideline reserves the right to assess an extraordinary services fee of $300/hour (subject to a $300 minimum) to render such services. Participant Fees Guideline deducts the following fees from participant account assets. Type of Fee Fee Annual Account Fee* 0.08% of account assets Monthly Terminated Participant Fee $4 Annual Account Fee* This fee is deducted from the participant’s account balance monthly at 1/12th of the annual stated rate based on month end assets. Monthly Terminated Participant Fee This fee is deducted from the account balance of participants who have severed employment, and continue to maintain an account balance after an initial 90-day grace period following termination of employment (or after the end of the blackout period for plan transfers to Guideline). Charges by Mutual Funds: Fund Expense Ratios Participants will be charged fund expense ratios for asset management by the mutual funds in which they invest. For a list of expense ratios visit www.guideline.com/funds. Guideline’s managed portfolios have blended expense ratios ranging from 0.064% to 0.07% of assets under management. Expense ratios for custom portfolios will vary. These expense ratios are subject to change by the fund. The total cost of your investment will vary depending on the make up of your portfolio. Guideline does not benefit from these fees. Charges by Third Party Advisors Under the Guideline for Advisors program®, Guideline provides billing services to certain third-party advisors for our 401(k) plans. Guideline does not charge additional fees to, nor does it receive any additional compensation from, third party advisors, 401(k) plan sponsors, or 401(k) plan participants for these services. The Guideline for Advisors® program is not currently available to our IRA clients. Other Fees Custodial Fees Custodial services for Guideline plans are provided by Benefit Trust Company. Custodial fees are paid by Guideline. TRADITIONAL & ROTH INDIVIDUAL RETIREMENT ACCOUNT (IRA) FEES AND SERVICES DISCLOSURE Guideline charges fees directly to the IRA Account as set forth below. Service Fee IRA Monthly Base Fee (Accounts with $10,000 or less in assets)* $2/month IRA Monthly Base Fee (Accounts with more than $10,000 in assets)* $4/month Simplified Employer Pension Monthly Base Fee (all accounts) $8/month Annual Account Fee** 0.08% of account assets Monthly Base Fee* For purposes of determining monthly fees, IRA Account assets are determined based on the average daily balance of the IRA Account over the billable month. Annual Account Fee** This fee is deducted from the account balance monthly at 1/12th of the annual stated rate based on month end assets. Charges by Mutual Funds: Fund Expense Ratios IRA account holders will be charged fund expense ratios for asset management by the mutual funds in which they invest. For a list of expense ratios visit www.guideline.com/funds. Guideline’s managed portfolios have blended expense ratios ranging from 0.064% to 0.07% of assets under management. Expense ratios for custom portfolios will vary. These expense ratios are subject to change by the fund. The total cost of your investment will vary depending on the make up of your portfolio. Guideline does not benefit from these fees. Other Fees Custodial Fees Custodial services for Guideline plans are provided by Benefit Trust Company. Custodial fees are paid by Guideline. Additional information about our fees and services may be found here in our ADV 2A Brochure, filed with the SEC. Email hello@guideline.com with any questions. Back to Guideline Guideline, Inc. 1645 E 6th Street, Suite 200, Austin, TX 78702 (888) 228-3491 - legal@guideline.com clients@guideline.com (888) 228-3491 Privacy Policy Terms of Service