So what makes us different?

There are a lot of 401k providers out there that say they provide a low cost 401k solution but the reality is they lack flexibility, investment options, services or tools that are key to helping your employees reach their retirement goal.

Low-Cost Investments

  • Over 3,000 no-load mutual funds from hundreds of fund families to choose from
  • ETFs, Stocks, Bonds, and CDs as optional investments
  • Index Funds with exp. ratio of 9 basis points (0.09% expense ratio)
  • Low Cost 401k Target Date Funds
  • Self-Directed Brokerage Windows at no extra charge
  • Professionally-managed portfolios provided by Wellington Consulting Services, Inc.
  • No hidden fees, no kickbacks, no affiliations with mutual fund companies
  • No Conflicts of Interest!

Superior Service & Software

  • Registered Investment Adviser Representatives & Certified Financial Planners (CFP) available to provide advice for all employees (most TPAs can’t offer this feature).
  • An ERISA 3(38) Investment Manager to help reduce fiduciary liability
  • Proprietary web-based administration software, making the process of submitting contributions and enrolling employees painless and easy in a safe and secure manner.
  • Point-of-Contact & Team Approach to service – Speak with the same person/team each time
  • Safe Harbor, Cross-Tested, and New Comparability plan-design at no extra charge
  • Compliance testing and preparation of the annual Form 5500

Take your 401k plan to the next level.


Index Funds Keep Fees Low


Index funds are the low-cost leader, and we use them extensively as the core choices for plan participants. Most 401(k) plans pay average expenses of 1.5% – 3%, with most fees hidden in proprietary mutual funds. With our 401k plan we lower your expenses to as low as 0.5%. That’s big savings.

However, you can also have your cake and eat it too.

Because of our unique, low cost 401k platform, you can have an array of nearly unlimited investment options from the most respected fund families – not just one family of funds.  We offer thousands of no-load, load-waived, no-transaction-fee mutual funds to choose from.

Additionally, for those more astute investors, a self-directed investment option is available with a universe of ETFs, stocks, bonds, and CDs as optional investments available at no extra charge.

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Lifestyle Portfolios


Most plan participants want investing to be simple. The simple fact is that it’s not.

However, we simplified investing with our online portfolio picker. By answering a few simple questions, this tool selects and designs a portfolio of low-cost funds for the participant based on their specific age and risk level.

This option has been so successful that over 80% of plan participants use it .

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Sometimes We All Need Help.


We all work hard, and sometimes managing finances and investing can be confusing and complicated. In this time of automated machines, it’s nice to be able to talk to a real person who can who can help you. That’s where our staff of Registered Investment Adviser Representatives and Certified Financial Planners can help.

We can help make your employees’ difficult financial decisions easy. As an employer, you can rest easy knowing you have the fiduciary protection of a 3(38) Investment Manager.

And if you want to talk to the same person again, you can. Unlike…well you know who.


Keeping Your Liability Under Control


As a business owner or Human Resources Officer, you need to make sure that the 401k plan you select meets the requirements to keep all potential liabilities at bay, as well as satisfying employees’ needs.

That means selecting the right low-cost investments, providing help for your employees, and using online tools to help them achieve their retirement goals.

We built this plan to help satisfy these objectives.

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Who Holds My Money?


Charles Schwab & Co., Inc. acts as the custodian for plan assets.*

In this day and age, its important to know where your money is.  To many plans pool all investment funds at some unknown place, where they calculate the percentage of the pool you own on a regular basis. Then you log in and see your balance.

Frankly, this isn’t good enough for our clients. We designed the plan so that each participant is provided with a separate account at Charles Schwab and Company. You can call them anytime with your own account number to check your balance.

In addition to using our website to access your account, you also have the ability to access your account through Schwab.com. That’s what I call peace of mind.

*The Wellington Group of Companies is not affiliated with The Charles Schwab Corporation or any of its affiliates.


Comprehensive Recordkeeping


At the foundation of any retirement plan is recordkeeping. We keep it simple and electronic. That allows us to offer you a low-cost, full-service 401k plan, and still pass our savings on to you.

By having your plan’s forms and educational material (including multimedia presentations) available online 24/7, WellingtonHQ makes online enrollment and account maintenance a quick & easy process for administrators and participants.

Our plans are full-service – Wellington prepares and completes all of the plan’s tax filings and annual nondiscrimination & compliance testing. If you want to skew benefits to maximize owner contributions, we can help you with that by designing a Cross-Tested plan for your company (also referred to as a New Comparability plan, or Age-Weighted plan).

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Online Employee Education


Lack of understanding is one the main reasons why people do not save for retirement. Let us teach your employees. The more they understand, the more they will feel compelled to save. The more they save, the more they take ownership of their retirement.

A live webinar is a great way to introduce Wellington and the 401(k) Plan to your employees. This helps create a relationship where the employees build trust. To further that trust, when they have a question or want advice they are usually going to speak with the same person who presented the meeting.

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