Employee Fiduciary
Employee Fiduciary: A compliance-focused retirement plan service with clear annual fees and payroll connections. Ranked #5 of 14 in 401(k) Software by our editors (8.4/10); pricing: Paid; best for solo owners and small employers needing compliance support.
At a glance
- Editor score8.4 / 10
- PricingPaid
- Best forSolo owners and small employers needing compliance support
- Free planNo
- Paid from$500/yr
- Founded2004 · Mobile, Alabama, United States
- Facts checked24 Sep 2026
Where it wins
- Combines recordkeeping, third-party administration and compliance reporting
- Supports safe harbor, profit-sharing and Roth contributions, plus participant loans
- Connects with payroll services including ADP Workforce Now and Rippling
Where it doesn't
- Standard 401(k) carries a $1,500 annual base fee
- Both annual plans also charge 0.08% of plan assets for custody
- Access is web-only
Our verdict on Employee Fiduciary
Employee Fiduciary provides retirement plan services for small businesses, self-employed professionals, nonprofits and advisors. Its options include traditional and safe harbor 401(k) plans, solo 401(k) plans and 403(b) plans. The service brings recordkeeping, third-party administration, asset custody, compliance reporting and payroll integrations together, with online account access for employers and participants. It is aimed at organizations that want plan administration and compliance support alongside a choice of plan design and investments, rather than a standalone investment account.
Pricing differs by plan type. According to the published plans, a Solo 401(k) costs $500 per year in base fees, while a standard 401(k) costs $1,500 per year. Both plans also carry a 0.08% annual custody fee on plan assets. Establishing a new plan costs $250 once for a Solo 401(k), or $500 once for a standard 401(k). Those separate setup and asset-based charges matter when comparing the annual base prices. There is no free plan; the lower annual price is specifically for the solo option.
Compliance and payroll fit are the service's clearest strengths. Third-party administration includes annual nondiscrimination testing and preparation of Form 5500 and the Summary Annual Report. Plan design can accommodate safe harbor and profit-sharing contributions, Roth contributions and participant loans, with investment choices ranging from mutual funds and ETFs to self-directed brokerage accounts. Payroll integrations include QuickBooks Online Payroll, Paylocity, Paychex Flex, ADP Workforce Now, Justworks, TriNet and Rippling, among others. Employers seeking these administrative and payroll capabilities may find the breadth useful; those needing a non-web platform should look elsewhere, since access is web-only.
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Employee Fiduciary pricing
All 4 Employee Fiduciary plans and prices →
Employee Fiduciary fact sheet
| Free plan | No |
|---|---|
| Paid from | $500/yr |
| Plan types | Traditional 401(k), Safe Harbor 401(k), Solo 401(k), 403(b) |
| Employee enrollment | Not verified |
| Payroll integrations | QuickBooks Online Payroll, Paylocity, Paychex Flex, ADP Workforce Now, Justworks, TriNet, Rippling, Paycor, Paycom, Sequoia One, UKG Ready, Accuchex, Ahola HR Solutions Payroll, AssetHR, Certipay, Checkwise, Coastal Payroll, ConnectPay, Counter Point HCM, Dayforce, Dominion Payroll, Flexchecks, GTM Payroll Services, Heartland, HR Butler, Hybrid, isolved, OnPay, Patriot, Pay-Net, Paymasterpro, PAYNW, Payroll Network, Inc., Payroll Solutions, Run Powered by ADP, Trivantus, Trustpoint, UKG Pro, Whirks, Workday |
| Investment options | Mixed |
| Compliance support | Yes |
| Participant mobile app | Not verified |
| Deployment | Cloud |
| Platforms | Web |
| Compliance & security | GDPR |
| Support | Phone |
| Built for | Solo, Small business (editorial estimate) |
| Integrations | 20 integrations: QuickBooks Online Payroll, Paylocity, Paychex Flex, ADP Workforce Now, Justworks, TriNet … See all → |
| Pricing | Paid (source) |
| Website | employeefiduciary.com |
| Facts checked | 24 Sep 2026 |
Employee Fiduciary integrations
Employee Fiduciary lists 20 integrations on its own site.
- QuickBooks Online Payroll
- Paylocity
- Paychex Flex
- ADP Workforce Now
- Justworks
- TriNet
- Rippling
- Paycor
- Paycom
- Sequoia One
- UKG Ready
- Accuchex
- Ahola HR Solutions Payroll
- AssetHR
- Certipay
- Checkwise
- Coastal Payroll
- ConnectPay
- Counter Point HCM
- Dayforce
See all Employee Fiduciary integrations →
Alternatives to Employee Fiduciary
- Ameritas Retirement PlansBroad retirement-plan administration with enrollment, payroll, fiduciary and participant services.9.3
- Charles Schwab Retirement Plan ServicesA broad 401(k) service for employers seeking administration, compliance support, and participant tools.9.1
- Human InterestPayroll-connected retirement plan administration with tiered compliance support.8.8
See all Employee Fiduciary alternatives →
Employee Fiduciary vs the competition
- Employee Fiduciary vs Ameritas Retirement Plans
- Employee Fiduciary vs Charles Schwab Retirement Plan Services
- Employee Fiduciary vs Human Interest
- Employee Fiduciary vs Guideline
- Employee Fiduciary vs Vestwell
- Employee Fiduciary vs Merrill Small Business 401(k)
Compare Employee Fiduciary with any tool side by side →
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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