ePlan 401k Login | ePlan Services 401k Fees, Features & Plans

An ePlan 401(k) is a workplace retirement plan administered through the ePlan Services recordkeeping platform.

Employers choose the plan’s features, while participants use the platform to manage contributions, investments, and account activity.

Plan options and available features vary by employer, even when the same platform is used. 

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ePlan Services is a 401(k) recordkeeping and retirement plan administration platform, owned by Paychex since 2011. It manages employer-sponsored plans rather than offering a single universal fee structure.

Company Overview

Item	Details
Company	ePlan Services, Inc.
Founded	1999 (also reported as 2000 in some databases)
Headquarters	Denver, Colorado, USA
Owner	Paychex, Inc.
Acquisition year	2011
Acquisition value	Approx. $15.2 million
Industry	401(k) recordkeeping & retirement plan administration

What ePlan 401(k) Does

• Manages employer-sponsored 401(k) retirement plans
• Handles participant accounts and contributions
• Payroll integration
• Investment administration
• Compliance support
• Online retirement portals

Investment Options

Usually includes target-date funds, stock funds, bond funds, index funds, and money market funds. Actual choices depend on the employer’s plan.

Fees / Rates

No fixed public fee schedule — costs vary by employer plan. Typical 401(k) industry ranges:

• Recordkeeping: ~$20–$100+ per participant/year
• Investment expense ratios: ~0.03%–1.5% annually
• Advisory fees: ~0.25%–1% annually

Pros & Cons

Pros

Backed by Paychex

Long operating history

Online account management

Suitable for small/mid-size businesses

Employer matching possible

Cons

Fees vary by employer

Investment choices depend on plan sponsor

Not a personal IRA; rules depend on employer

Company

ePlan Services, Inc.

Founded

1999

Headquarters

Denver, Colorado, USA

Owner

Paychex, Inc.

Acquisition year

2011

Acquisition value

Approx. $15.2 million

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Recordkeeping fee

~$20–$100+ per participant/year

Investment expense ratios

~0.03%–1.5% annually

Advisory fees

~0.25%–1% annually

Note

Exact features, fees and investment choices depend on the specific employer plan

ePlan 401(k) features and costs are plan-specific. Review the applicable fee disclosure, Summary Plan Description and investment menu for the exact terms of your employer’s plan.

How Does ePlan 401(k) Work?

ePlan is an online, turnkey 401(k) administration platform built for quick deployment and ongoing ease of use.

Employers complete onboarding entirely online; ePlan claims new plans can be set up in as little as one day.

Once a plan is set up and funded, ePlan handles day-to-day recordkeeping:

• It integrates with payroll providers to process employee contributions and employer matches,
• Automates compliance testing, and
• Manages loans and distributions.

ePlan Key Features

ePlan Services provides a digital 401(k) platform designed to simplify plan management for employers, advisors, and participants.

Overall, ePlan positions itself as a scalable retirement plan solution that balances automation with advisor and employer support.

Plan Types Offered

ePlan’s core product line covers most 401(k) variants for small/mid-size employers:

1. Traditional 401(k)

Employers can offer pre-tax contributions and matching/profit-sharing.

Roth 401(k) options are also supported as a post-tax contribution election.

Standard nondiscrimination testing applies to highly-compensated vs. non-HCE contributions.

2. Safe Harbor 401(k)

ePlan offers safe-harbor designs.

Safe Harbor status exempts the plan from most ADP/ACP tests in exchange for required employer contributions.

Employers must commit to specified match or nonelective contributions.

3. Solo 401(k)

For self-employed owners(with no other eligible employees, ePlan’s Solo 401(k) supports both pre-tax and Roth contributions.

It allows higher contribution limits as with any 401(k).

4. SIMPLE IRA (Education)

While ePlan’s site does not appear to administer SIMPLE IRAs directly, their educational content discusses SIMPLE IRAs for small employers of 100 or fewer employees as an alternative retirement plan.

If offered, SIMPLE IRAs have different rules, but this is ancillary.

(Roth 401(k): ePlan 401(k) plans support Roth contributions as part of the deferral choices.)

What Investment Options Does ePlan Offer?

ePlan’s investment lineup is very broad.

The platform is open-architecture, and plans are not limited to a few proprietary funds.

• Mutual funds: Diversified funds covering categories such as U.S. stocks, international stocks, bonds, and balanced portfolios.
• Target-date funds (TDFs): Portfolios designed to automatically adjust risk as a participant approaches retirement.
• Index funds: lower-cost funds that track market indexes.
• Fixed-income options: Bond funds and stable-value-type options
• Money market/cash preservation options: For participants seeking lower volatility.
• Managed account or advisory services: ePlan partners can provide fiduciary investment guidance or management options.

ePlan Pricing & Fees

ePlan does not publish a standard fee schedule. In reality, ePlan charges:

Fee Transparency: ePlan insists on quotes. But Employers should obtain detailed fee disclosure to verify charges.

Pros and Cons of ePlan

Yes, ePlan does offer a fast, flexible retirement plan solution with strong administrative support, broad investment choices, and a focus on small and mid-sized businesses.

But employers should carefully review fees, service quality, and technology capabilities to ensure it meets their long-term needs.

I created this overview to help evaluate provider positioning, identify key differentiators, and determine the best fit based on business size, advisor involvement, cost structure, and desired level of support.

References:

• https://secure.eplanservices401k.com/marketing/