START;UP COSTS and administrative fees
may make some small-business owners leery
of o;ering retirement bene;ts. But Costco has
partnered with ;e Online 401(k) to provide
small businesses with an a;ordable way to
o;er this key option.
Many retirement companies charge asset
fees as a percentage of an investment amount.
But ;e Online 401(k) charges only ;at-rate
administrative and record-keeping fees. ;is
means that it doesn’t matter if you have $1 or
$1 million to invest—the fees stay the same.
“;at really sets us apart from the industry,”
says Sylvia Flores, marketing director for ;e
Online 401(k). “We’ve always been a ;at-fee
Aside from offering transparent and
competitive rates, small-business owners con-
sidering this option may bene;t from current
legislation. Selby Mashakova, partner success
manager for ;e Online 401(k), explains that
the Economic Growth and Tax Relief and
Reconciliation Act of 2001 allows small busi-
nesses to write o; a portion of 401(k) start-up
costs and the cost of educating employees
about the plan, which may help alleviate
Offering retirement plans can also
provide big gains from an employee-retention
perspective. According to Flores, o;ering a
401(k) “will enable you to garner loyalty with
your current employees or even to capture
some really stellar talent.”
Beyond helping businesses take care of
their employees, ;e Online 401(k) is com-
mitted to educating the public about the state
of retirement in the U.S. Statistics indicate
most Americans are not planning well for
retirement, and there are not su;cient long-
term resources to sustain government bene-
;ts such as Social Security. ;e Online 401(k)
recently helped fund a documentary, Broken
Eggs (brokeneggs; lm.com), which delves into
the topic through the eyes of three di;erent
Members can complete the entire sign-up
online, but consultants are available by phone
to help guide business owners to the best-suited plans, or to answer any questions.
“No business is too small,” says Flores,
who encourages even single-person operations to check out its o;erings. Flores says the
company specializes in plans for businesses
with fewer than 100 employees.
For more information, visit Costco.com
and search “Retire” or call toll-free 1-855-807-
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