Employee Fiduciary 401(k) Provider Review

Employee Fiduciary charges administrative fees that vary by plan size. Expense ratios range from 0.03% - 0.15%, and advisory fees are Included as 3(38) fiduciary. Compare plans carefully as total costs depend on your plan size and investment selections.

You can log into your Employee Fiduciary 401(k) account through the plan provider portal. Current and former employees can use the participant login page. First-time users will need to register with their Social Security number and date of birth.

Employee Fiduciary ranks #24 in our 2026 provider rankings with a score of 6.2/10. They manage $6 billion in assets and serve 80,000 participants. They are particularly strong for Cost-conscious small businesses, Employers wanting fiduciary protection, Index fund believers, Plan sponsors seeking simplicity.

Yes, you can roll over your Employee Fiduciary 401(k) to a Traditional IRA, Roth IRA, or a new employer plan. A direct rollover avoids mandatory tax withholding. Contact Employee Fiduciary or your new provider to initiate the transfer.

Employee Fiduciary offers a range of investment options including Vanguard Index Funds, Target Date Funds, Bond Funds, Money Market. The specific fund lineup depends on your plan and may change periodically.

Employee Fiduciary scores 6.2/10 overall with ratings of 4.8/5 for fees, 3.2/5 for investment options, 4.2/5 for customer service, and 2.5/5 for mobile app. Compare with other top providers on our comparison pages.

To roll into Employee Fiduciary: Employee Fiduciary accepts rollovers from 401(k), 403(b), and IRA accounts. Contact them at 877-401-5100 to initiate the rollover process. Since Employee Fiduciary uses Vanguard index funds, rolling in from a Vanguard-based plan may allow in-kind transfers of matching fund positions, avoiding unnecessary selling and rebuying. To roll out: Request an outbound rollover by contacting Employee Fiduciary at 877-401-5100. Direct rollovers to IRAs and new employer plans are available. Since the plan uses Vanguard funds, rolling to a Vanguard IRA preserves your fund positions in kind. No outgoing transfer fees apply. Use the Employee Fiduciary Portal platform to manage your rollover.

Employee Fiduciary offers withdrawals via Phone (877-401-5100), Online portal. Distribution options include Lump sum, Partial withdrawal, Rollover to IRA, Required Minimum Distributions. Employee Fiduciary processes withdrawal requests within 3-5 business days. Their team ensures all distributions comply with IRS requirements and plan document terms. Hardship withdrawals require supporting documentation. RMD calculations are handled for eligible participants.

Employee Fiduciary 401(k) plans may allow participant loans up to $50,000 or 50% of the vested balance, whichever is less. Repayment terms up to 5 years (longer for primary home purchase). Interest rate is typically prime + 1%. Loan availability depends on your specific plan document. Contact 877-401-5100 for loan details and application.