Our transparent feeS ensure certainty for small business plan sponsors.
White Pine provides complete fee transparency so plan sponsors know actual plan costs:
- Plan sponsors pay Vanguard a one-time start-up fee ($1,000) to create a new plan or a one-time conversion fee ($1,500) to transfer an existing plan from another provider.
- Vanguard’s annual Bundled Services Fee includes recordkeeping and certain plan administration services provided by Vanguard and Ascensus and is paid annually.
- White Pine’s Retirement Plan Services Fee includes plan sponsor support, participant support, and participant education and 25% of the annual fee is payable at the end of each quarter.
Plan sponsors can choose whether fees are paid by the company, plan participants, or a combination.
Retirement Plan Services Fee (White Pine)
| Plan Assets | Annual Fee Rate |
| Up to $1,500,000 | 0.50% |
| $1,500,001 to $3,000,000 | 0.45% |
| $3,000,001 to $5,000,000 | 0.40% |
| $5,000,001 to $10,000,000 | 0.35% |
| $10,000,001 to $25,000,000 | 0.30% |
| $25,000,001 to $50,000,000 | 0.25% |
| Over $50,000,000 | 0.20% |
*Based on the total market value of assets in the plan and paid quarterly in arrears. The amount payable each quarter is 25% of the annual fee.
Bundled Services Fee (Vanguard)
| Number of Participants | Annual Pricing |
| Up to 15 | $3,825 |
| 16 – 50 | $3,825 + $75/participant over 15 participants |
| 51 – 100 | $6,450 + $70/participant over 50 participants |
| 101 – 500 | $9,950 + $65/participant over 100 participants |
| 501 – 1,000 | $35,950 + $60/participant over 500 participants |
| Over 1,000 | $65,950 + $55/participant over 1,000 participants |
*For new plans, Vanguard charges a one-time start-up fee of $1,000. For transferred plans, Vanguard charges a one-time conversion fee of $1,500.