403b plans -- nonprofit 403b plans for non-profit organizations
403b plans for small non-profit organizations seeking a 403b or 401k using socially responsible ethical no-load or load mutual funds and/or individual participant-directed brokerage.
Following topics are addressed:
- 403b plans
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80% of America's small businesses do not offer 401(k) plans to their employees for three reason. The reasons are: (a) perceived cost of employer-sponsored retirement plans, (b) perceived complexity of company-sponsored retirement plans, and (c) limited investment options. Mutual fund companies 401k plans to small businesses do so by pre-packaging administration with their proprietary fund investments: this pre-packaged approach, called "bundled 401(k)" tends to be pricey for small companies, limited features and limited investment options. Employees who participate in bundled 401k(k) plans typically do not have access to investments not offered by the mutual fund company, and do not have access to the most popular investment option today--the individual self-directed discount brokerage account. |
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