turn(K)

Introducing turn(K), the best low cost 401k plan

Small businesses have more important things to focus on than running a 401(k) plan. turn(K) is the best solution for small business retirement plans. Designed for corporations with up to 100 employees, turn(k) features a streamlined 401k plan design, and ultra low cost index mutual funds. With turn(K), you can focus more time on your business, freeing you of 401k compliance matters and fiduciary headaches.




turn(K) Shield Features and Monthly Fees


Basic, from$199

Sign up
  • 401(k) Safe Harbor Plan Design
  • $18,000 Participant Contribution Limit
  • 100% Up to 4% Employer Match
  • No Refunds to Highly Compensated Employees
  • Employer Retains All Fiduciary Responsibility

Premium, from$399

Sign up
  • 401(k) Safe Harbor Plan Design
  • $18,000 Participant Contribution Limit
  • 100% Up to 4% Employer Match
  • No Refunds to Highly Compensated Employees
  • 3(38) Discretionary Fiduciary Advisory Services*
  • Integrated Financial Planning Module
  • Financial Wellness Participant Questionnaire
  • Certified Financial Planner Call Center

turn(K) Startup Features and Monthly Fees


Basic, from$249

Sign up
  • 401(k) Plan Design
  • $18,000 Participant Contribution Limit
  • No Required Employer Contributions
  • Possible Refunds to Highly Compensated Employees
  • Employer Retains All Fiduciary Responsibilities

Premium, from$449

Sign up
  • 401(k) Plan Design
  • $18,000 Participant Contribution Limit
  • No Required Employer Contributions
  • Possible Refunds to Highly Compensated Employees
  • 3(38) Discretionary Fiduciary Advisory Services*
  • Integrated Financial Planning Module
  • Financial Wellness Participant Questionnaire
  • Certified Financial Planner Call Center

* Investment Management and Advisory Services Provided by ABG Consultants, a Registered Investment Adviser.

Not sure what the right plan is for your organization?

Spectrum's Plan Analysis App can make a recommendation

Already have a 401(k) plan? Moving it to turn(K) is
extremely incredibly amazingly
easy!

Participant accounts are conveniently transferred into a low cost target retirement date mutual fund. Participants are free to change their investment allocations immediately thereafter.

turn(K) Investment Menu

The turn(K) Investment Menu provides ultra low cost investment options for retirement investors.

# Investment Name Ticker Symbol Operating Expense Ratio (OER)* Asset Class
1 Schwab S&P 500 Index SWPPX 0.03% Large Blend
2 Fidelity Mid Cap Index Premium FSCKX 0.07% Mid-Cap Blend
3 Fidelity Small Cap Index Premium FSSVX 0.07% Small Blend
4 Vanguard FTSE All-Wld ex-US Idx Admiral VFWAX 0.11% Foreign Large Blend
5 Vanguard FTSE All-Wld ex-US SmCp Idx Inv VFSVX 0.27% Foreign Small/Mid Blend
6 Vanguard Emerging Mkts Stock Idx Adm VEMAX 0.14% Diversified Emerging Mkts
7 Vanguard Long-Term Bond Index Investor VBLTX 0.15% Long-Term Bond
8 Schwab US Aggregate Bond Index SWAGX 0.04% Intermediate-Term Bond
9 Schwab Short-Term Bond Index SWSBX 0.06% Short-Term Bond
10 Schwab Treasury Infl Protected Secs Idx SWRSX 0.05% Inflation-Protected Bond
12 Vanguard REIT Index Admiral VGSLX 0.12% Real Estate
13 Schwab Target 2010 Index Institutional SWYAX 0.08% Target-Date 2000-2010
14 Schwab Target 2020 Index Institutional SWYLX 0.08% Target-Date 2020
15 Schwab Target 2030 Index Institutional SWYEX 0.08% Target-Date 2030
16 Schwab Target 2040 Index Institutional SWYGX 0.08% Target-Date 2040
17 Schwab Target 2050 Index Institutional SWYMX 0.08% Target-Date 2050
18 Schwab Target 2060 Index Institutional SWYNX 0.08% Target-Date 2060

* Operating expense ratios are subject to change by mutual fund companies. Always review a fund company's prospectus and official documentation before investing.