• $0 setup fee
• $0 for a spouse to join
• $0 for plan tax returns (IRS Form 5500)
• $0 loan setup fee
• $0 annual loan maintenance
• 1/4th of 1 percent (.25%) annual administrative fee (with a $100 minimum annual maintenance fee per participant)

Vanguard funds have

• No broker's commission
• No front loads
• No back-end loads
• No redemption fees (most funds)
• No 12b1 fees

Using no-load Vanguard index funds, your fees and average annual total expenses could be as low of .47% (less than 1/2 of 1%).

We receive zero ($0) in sub-transfer agency fees, zero ($0) in 12(b)(1) fees, and zero ($0) in placement fees (i.e. marketing fees, finders fees etc.).

Investors in 50-person plans pay an average of 1.4% of their assets annually in fees, or about $14 for every $1,000 invested -- assuming an average participant balance of $40,000 -- according to a new study by HR Investment Consultants in Baltimore. That compares with 1.17% for investors in 1,000-person plans. But many investors in small plans pay as much as 3% or more, according to HR.

That could mean a significant difference to participants over time. Over 20 years, a 1% increase in fees on a $100,000 investment can reduce the portfolio's ultimate gain by $66,254, assuming annual investment returns of 7%. And fees can take a particularly large bite out of an investor's annual return when investment returns are low...

Say you have saved $500,000 and your 401(k) is charging you 0.75 percent a year. Over 30 years, assuming an 8 percent return and no additional contributions, an extra 0.25 percentage points (or any other expense for that matter) has cut your nest egg by more than $292,000, according to the SEC's Mutual Fund Cost Calculator at http://www.sec.gov.

Important: You must mail all the completed forms to 401k Administrators at 1205 Prospect St. Ste 400, La Jolla, CA 92037 and not to Vanguard. Vanguard does not offer this Solo 401k directly. You must go through 401kBrokers to get your Solo 401k Plan setup with Vanguard.

All applications are now handled online at MRS401k.com

Call  800-474-3826 with any questions.

We have worked with dozens of different asset custodians for 401k Plans. 

If you are rolling money into your new Solo 401k plan from another qualified retirement plan (IRA, 401k, SEP-IRA etc.), you may also wish to fill out a

• Direct rollover form

Our Solo 401k plan allows loans (up to 2 loans at any one time with no additional charge) and 24/7 online access to view, and make changes to your account.

You can even contribute electronically on a regular and recurring basis. You can purchase of any of the more than 100 Vanguard no load index and actively managed funds. Plans with only one participant can also open a Vanguard Brokerage Services Account and use the Vanguard FundAccess to purchase any:

• Exchange traded stocks
• Foreign securities
• Bonds
• Options
• Mutual funds from other fund families, (choose from more than 2,600 mutual funds, including more than 900 with no transaction fees)
• Fixed income securities such as U.S. Treasury Securities (including zero-coupon and inflation-indexed)
• Corporate bonds
• Municipal and U.S. Government Agency Bonds
• Mortgage-backed securities and 
• Certificates of Deposit (CDs)

(Vanguard FundAccess^® lets you invest in a wide range of mutual funds from 300 leading fund families through Vanguard Brokerage Services®) Get the Vanguard FundAccess Fund Listing and a FundAccess Brochure. FundAccess®, available through Vanguard Brokerage Services®, is your gateway to thousands of mutual funds. This brochure gives instructions on how to use this service and answers frequently asked questions associated with using Vanguard FundAccess.

The minimum initial investment for the Solo 401k with Vanguard Funds is $1,000. 

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