ERISA 3(38) Fiduciary Governance • Denver, Highlands Ranch & Littleton, CO

401(k) & Corporate Retirement Plan Fees.
Institutional Progressive Schedule.

Q: How does Yeti Wealth's progressive 401(k) advisory fee schedule work?

Rather than charging a flat advisory fee across the entire plan, Yeti utilizes a declining progressive schedule: $0 to $1M is 0.60%, $1M to $3M is 0.25%, $3M to $5M is 0.20%, $5M to $10M is 0.15%, $10M to $25M is 0.10%, $25M to $50M is 0.05%, and assets above $50M are just 0.01%. As company plan assets grow, the blended effective rate automatically drops.

Q: What is the difference between an ERISA 3(21) and ERISA 3(38) fiduciary for a company 401(k)?

An ERISA 3(21) advisor provides recommendations, leaving legal investment discretion and fiduciary liability on the company plan sponsor. As an ERISA 3(38) investment manager, Yeti Wealth accepts full discretionary authority, legal liability, and ongoing responsibility for selecting, monitoring, and replacing plan investment options, protecting business owners in Denver, Highlands Ranch, and Littleton.

Q: How much can Colorado employers and plan participants save by benchmarking their 401(k)?

Many legacy 401(k) plans along the Denver Tech Center and C-470 corridors charge stacked all-in fees of 0.80% to 1.50%+ due to retail mutual fund expense ratios and hidden recordkeeping wraps. Transitioning to Yeti's institutional index lineup (averaging ~0.10% fund expenses) and progressive advisory pricing frequently saves companies tens of thousands annually, compounding into hundreds of thousands in added retirement wealth for participants.

Lower administrative drag, eliminate corporate sponsor liability, and deliver institutional-grade index lineups to your participants. Serving business founders and HR leadership across the Denver Tech Center, entrepreneurs along Littleton's C-470 corridor, and commercial firms in Highlands Ranch, our progressive fee schedule automatically lowers your effective rate as plan assets scale.

Benchmark Your 401(k) Fees Below ↓ Colorado Employer Fiduciary Standards

Interactive Plan Benchmarking

401(k) / Company Plan Fee Benchmarking Audit

Compare your current provider's all-in expense drag directly against Yeti's progressive advisory schedule.

Total Company Plan Assets:

$500k$100.0M

Current All-In Fee: 0.80%

Current Plan Provider Breakdown

Current Advisor Fee

Investment Fund Expenses (Avg ER)

Yeti's Progressive Advisory Tier Schedule

<$1M0.60%

$1M-$3M0.25%

$3M-$5M0.20%

$5M-$10M0.15%

$10M-$25M0.10%

$25M-$50M0.05%

$50M+0.01%

Cost Savings Breakdown

Current Annual Plan Expense Drag: $80,000

Yeti Effective Advisor Fee: Progressive Tier Calculation

$31,100 (0.31% Effective)

Total Target Plan Cost with Yeti: Includes 0.10% Investment Fund Expense

$41,100

Annual Savings Retained in Plan: $38,900

10-Year Cumulative Savings For Participants: (Compounded at 6% Annual Return)

$537,624

Colorado Corporate Stewardship

Why Denver & South Metro Employers Need Fee Transparency

Department of Labor audits and ERISA class-action lawsuits target plan sponsors who fail to monitor excessive fee drag. Here is how Yeti Wealth protects corporate fiduciaries across the Front Range.

DTC

Denver Tech Center Enterprises

For growing technology and corporate headquarters in Greenwood Village and Centennial, our ERISA 3(38) appointment transfers investment selection liability away from your board of directors to Yeti Wealth, ensuring institutional compliance.

Littleton Business Owners

For manufacturing, healthcare, and professional firms along Santa Fe Drive and C-470, we integrate 401(k) profit-sharing with Cash Balance defined benefit plans, unlocking up to $200k+ in pre-tax deductions for business owners while slashing participant fees.

Highlands Ranch Employers

For commercial teams and medical practices throughout Douglas County, we connect Ascensus recordkeeping with 360° payroll automation, eliminating manual census errors and providing 1-on-1 financial education for employees.

Plan Governance & Compliance

Frequently Asked Questions About 401(k) Plan Fees

Clear answers regarding progressive pricing, ERISA fiduciary roles, and participant cost reductions.

How does Yeti Wealth's progressive 401(k) advisory fee schedule work?

Rather than charging a flat advisory percentage across the entire plan balance, Yeti utilizes a declining progressive schedule: $0 to $1M is 0.60%, $1M to $3M is 0.25%, $3M to $5M is 0.20%, $5M to $10M is 0.15%, $10M to $25M is 0.10%, $25M to $50M is 0.05%, and assets above $50M are just 0.01%. As your company's plan grows through contributions and market gains, the effective rate automatically drops.

What is the difference between an ERISA 3(21) and ERISA 3(38) fiduciary?

An ERISA 3(21) advisor only gives recommendations; the plan sponsor retains all legal liability and must approve every investment decision. As an ERISA 3(38) investment manager, Yeti Wealth accepts full discretionary authority and legal liability for selecting, monitoring, and replacing plan investment options—shielding business owners in Denver, Highlands Ranch, and Littleton from fiduciary litigation.

How much can Colorado employers save through an independent fee benchmarking audit?

Many legacy 401(k) plans along the Denver Tech Center and C-470 corridors charge all-in fees of 0.80% to 1.50%+ due to retail mutual fund expense ratios and hidden recordkeeping wraps. Transitioning to Yeti's institutional index lineup (averaging ~0.10% fund expenses) and progressive advisory pricing frequently saves companies tens of thousands annually, compounding into hundreds of thousands in added retirement wealth for participants.

Upgrade Your Corporate 401(k) Fiduciary Standard

Schedule a confidential 401(k) fee benchmarking discussion with principal advisor Thomas Little, CFP®. Serving employers across Denver, Highlands Ranch, Littleton, and Greenwood Village.

401(k) & Corporate Retirement Plan Fees. Institutional Progressive Schedule.