401Grow

About 401Grow

Your 401(k) is checking boxes. It should be building your business. Most owner-led companies already spend real money on a retirement plan and get almost nothing back beyond compliance. 401Grow redeploys that existing spend against four outcomes owners actually care about. THE FOUR LEVERS - Lower Turnover. A plan people understand and actually value is a retention tool, not a line item. - Tax Optimization. Plan design decides how much the business and the owner keep. Most plans were never designed with that in mind. - Operational Excellence. Fewer moving parts, cleaner administration, less of your week spent on the plan. - Transferable Value. Buyers pay more for a business that runs without the owner. A well-run plan is part of that story. HOW IT WORKS Year one is stability. Nothing gets ripped out. We keep your existing recordkeeper and TPA and optimize in place first, so nothing breaks while the plan starts working harder. - Four Levers Kickoff: $1,497 virtual, $1,997 in person - Annual engagement: $3,997/year up to 99 eligible employees, $5,997/year at 100 or more, plus $50 per eligible employee per year WHY IT IS DIFFERENT Simple to set up. Easy to operate. Surprisingly affordable. 401Grow is unaffiliated and does not manage money. Investment fiduciary duties are outsourced to a 3(38) at 4 to 5 basis points, so plan consulting and asset management stay separate. This is consulting and education, not investment advice. FOR PARTNERS We work alongside CPAs, fractional CFOs, financial advisors, and payroll companies. We do not compete for assets and we do not take the client relationship. Run your own numbers: 401grow.com