Hi Folks,  Full disclosure, my company also provides small businesses with 401(k) plans.<p>Fees are extremely important in a 401(k) plan. Guideline never charges fees on AUM. Your money is free to grow. Guideline&#x27;s average expense ratio is .14 and made up of the very same Vanguard funds. How can we do this? Look at the form ADV for your providers, it will dictate how administrators are compensated. You&#x27;ll notice lots of hands in the cookie jar... We are full stack, owning every piece of the plan up to custody. We don&#x27;t outsource. We charge $8&#x2F;pp&#x2F;m to the employer, nothing to the participant. You can learn more at <a href="https:&#x2F;&#x2F;www.guideline.com" rel="nofollow">https:&#x2F;&#x2F;www.guideline.com</a>