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1-800-401K PLAN.COM
1-800-401K PLAN.COM operates as a TPA using a national telephone brand to target micro and small-business 401(k) plans others bypass.
1-800-401K PLAN.COM
The firm's origin is rooted in the early expansion of internet and phone-direct marketing for retirement plan administration. By routing prospective plan sponsors through a memorable toll-free number, it built a national funnel for startups, sole proprietors, and small professional corporations seeking low-touch 401(k) setup. The model relies on standardized plan documents and IRS pre-approved volume-submitter or prototype plans, which minimizes the legal and actuarial overhead that makes small accounts uneconomical for many incumbent TPAs. Strategy centers on unbundled administration for micro and small retirement plans, generally covering solo 401(k)s, safe harbor designs, and plans with fewer than 20 participants. Core services include plan document preparation, nondiscrimination testing, Form 5500 filing, and daily recordkeeping integration with open-architecture custody platforms. The firm does not manage assets directly; it administers plans that hold assets at third-party custodians — a posture that sidesteps fiduciary-manager registration but captures recurring per-plan administrative fees. The geographic reach is national, drawing plan sponsors across the United States via the toll-free number and associated web properties. Scale and operational metrics are not publicly disclosed. No team size, total plan count, or assets under administration have been reported in public record. The firm maintains no known adjacent vehicles, philanthropic entities, or co-investment clubs, distinguishing it as a tightly focused, operations-heavy back-office service provider rather than a multi-strategy wealth platform. No material operational events have appeared in the last 24 months of public reporting. Structural differentiation arises from the combination of a direct-response brand identity and a high-volume, low-complexity target market. Unlike traditional regional TPAs that rely on local advisor referrals, 1-800-401K PLAN.COM's distribution is tied to a nationally recognizable phone number — a friction model that filters for price-sensitive, plan-ready small business owners comfortable with remote, telephone-based plan administration. This remote-native, standardized operating model lets it compete on administrative cost where bespoke local service would price the TPA out of the market.
General information
Firm type
Asset Manager
Year founded
—
AUM
Undisclosed
Location
Region
North America
Country
United States
City
—
Corporate office
—
Sector focus
Frequently asked questions
What specific services does 1-800-401K PLAN.COM provide?
The firm operates as a third-party administrator for qualified retirement plans, focusing on plan design, document drafting, annual nondiscrimination testing, and IRS Form 5500 preparation. It also coordinates daily valuation recordkeeping with third-party custodial platforms. It does not provide investment management or fiduciary advisory services; it handles compliance and administration for plans whose assets are held externally.
What plan types does the firm typically administer?
Its model targets defined-contribution plans at the smaller end of the market, with an emphasis on solo 401(k) plans, owner-only plans, and safe harbor 401(k) arrangements. The firm's cost structure and standardized document approach are built for plans with low participant counts where plan-design complexity is minimal.
How does 1-800-401K PLAN.COM differ from a traditional local TPA?
Distribution is the core difference. Instead of relying on local retirement-plan advisor referrals or in-person client meetings, the firm uses a national toll-free number and web presence to acquire plan-sponsor clients remotely. This telephone-first model enables a standardized, high-volume administrative process that can underprice local TPAs on simple plans, while offering less hands-on customization.
Does the firm act as a fiduciary to the retirement plans it administers?
Typically, unbundled third-party administrators do not assume ERISA 3(16) or 3(38) fiduciary status unless they have explicitly contracted for it, and there is no public record indicating that 1-800-401K PLAN.COM holds itself out as a named fiduciary. Its role is generally limited to ministerial compliance and recordkeeping support, with plan sponsors retaining fiduciary responsibility for investment selection and plan oversight.
How does the firm charge for its services?
While published fee schedules are not directly available, the standardized, high-volume operating model suggests a fixed-fee or flat annual administration charge rather than an asset-based fee — a common structure for TPAs serving small-balance, owner-only plans where per-plan administration cost, not assets under management, drives profitability.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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