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401(k) Plans

Saturna Capital Corporation's 401(k) plan is comprehensive, manageable, and affordable — benefiting both employers (plan sponsors) and employees (plan participants).

Employers can adopt a complete 401(k) plan based on modern technology that features IRS-compliant plan documents, employee-directed accounts, online account management and online education materials. Employers utilize Saturna Capital to provide third-party data processing, discrimination and compliance testing, government forms preparation, and extensive operational assistance — all at a simple-to-understand, affordable price.

Employees benefit from daily asset valuation and fund transactions, a discount brokerage account option, online statements with vesting and loan balances, online investment education, online account maintenance forms and the ability to update their personal data anytime.

401(k) plans are powerful employment incentives and a major part of America's retirement savings. But for a plan to be successful, it has to operate easily and at low cost for the employer and for the employees. For some companies, the cost and complexity of operating a 401(k) plan seems prohibitive. For others, terminating a plan after years of high fees, poor investment performance and hassles might seem like an easy decision.

There is a better alternative:
Saturna Capital's 401(k) plan — providing real "value for your money."

The Saturna Advantage

Establish your 401(k) with Saturna Capital to take advantage of:

A Full-Service Arrangement

The Saturna Capital 401(k) plan is a full-service arrangement. Our plans save our clients the costs associated with outside service providers because Saturna's staff handles everything from recordkeeping to investment management to marketing and education. Full-service arrangements eliminate the need for employers to deal with and monitor multiple service providers. This eases the employer's burden to consider any potential conflicts of interest that may arise when using multiple providers.

It also helps contain costs. By maintaining in-house operations, Saturna helps keep plan costs low and affordable. Our transparent fee structure enables employers to focus on their employee's retirement funds instead of wrestling with fee schedules from multiple vendors.

A Simple, Affordable Price

Saturna Capital Corporation recognizes its responsibilities to the plans it services and endeavors to keep plan expenses fair and reasonable.

Employers (plan sponsors) are charged an annual recordkeeping fee of $750.

Employees (plan participants) are charged $10 per year plus an asset-based annual fee. The asset-based fee starts at 0.50% for plans under $10 million and is reduced as total plan assets increase. The asset-based fee can also be offset by a credit for investing in Saturna-affiliated mutual funds and by revenue received from certain mutual funds in a plan's fund menu. Some plan service providers may keep this revenue as compensation for promoting specific products. Saturna Capital has elected to use this "revenue sharing" to help plan participants.

Please see the Fee Schedule for more detail about fees.

Solo 401(k)

A Solo 401(k) may be appropriate for sole proprietors (and their spouses) who have no common-law employees. Saturna waives the annual fee (and associated credit for assets in affiliated mutual funds) on plans with less than $250,000.

Contribution limits with a Solo 401(k) are the same as with traditional 401(k) plans and any associated tax benefits would be the same (see Plan Guidelines for more details).

With a Solo 401(k), you'll get access to the same tools and services as traditional 401(k) plans at a most competitive price point.

Personalized Service

At Saturna Capital, we help make investing for retirement easy. Plan information is available online 24/7 to employees and their employers. Employees may also call Saturna's toll free phone number during business hours for inquiries or transactions. Employers are assigned a dedicated client relationship manager to assist with plan administration.

A Wide Range of Investment Choices

We offer a selection of Saturna no-load mutual funds, as well as an extensive menu of unaffiliated mutual funds, with a variety of investment objectives. By investing in more than one fund, employees can tailor their 401(k) accounts to reflect their own risk and return objectives. In addition, employees are permitted to open self-directed discount brokerage accounts and buy common stocks, bonds, and other securities of their choosing.

Personalized Service

At Saturna Capital, we help make investing for retirement easy. Plan information is available online 24/7 to employees and their employers. Employees may also call Saturna's toll free phone number during business hours for inquiries or transactions.

We also provide each client with a customized online portal that you can use to oversee many aspects of your plan when it is convenient for you. See Plan Sercives for more details about our online features.

Full Fee Disclosure

Saturna Capital understands the importance of fully disclosing all fees associated with servicing a 401(k) plan. Please see the Fee Schedule for details about the Saturna Capital 401(k) plan fees. The schedule lists all employer and employee fees as well as all payments made to Saturna Capital and Saturna Brokerage Services in conjunction with servicing its plans.

If you ever have questions about your plan's fees, please contact us.

Check out the background of Saturna Brokerage Services, Inc. or any firm or investment professional on FINRA's BrokerCheck.