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 and take advantage of:

A Wide Range of Investment Choices
We offer a selection of Saturna no-load 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. Employers are assigned a dedicated client relationship manager to assist with plan administration.

A Simple, Affordable Price
Saturna Capital Corporation recognizes its responsibilities to the plans it services and keeps aggregate plan expenses fair and reasonable. The annual fee is $750 plus .25% of total year-end plan assets. There are generally no “per employee” fees¹.

Employers should know that some plan service providers may receive compensation from mutual funds or asset managers for promoting specific products. Saturna Capital has elected to provide employers with a credit of .25% of total year-end assets held in Saturna-affiliated mutual funds to help reduce costs.

Full Fee Disclosure
Saturna Capital understands the importance of fully disclosing all fees associated with servicing a 401(k) plan. A detailed fee schedule for the Saturna Capital 401(k) plan is provided on pages 8 and 9. 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.

A Full-Service Arrangement
The Saturna Capital 401(k) plan is a full-service arrangement. Our plans do not involve the services of outside providers, as all work from recordkeeping to investment management to marketing is done by Saturna’s staff. 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.

¹Some special employee transactions incur additional fees. Refer to the Fee Schedule for more details.