Ascensus Essentials 401(k)
A small business 401(k) plan with Vanguard funds
Offering a 401(k) gives you more flexibility and higher contribution potential than many other retirement plans. Ascensus Essentials 401(k) is designed to make it easier to get started, with a straightforward setup process, transparent pricing, and a focused investment lineup of exclusively Vanguard funds.
Ascensus Essentials 401(k) plan features
This small business 401(k) is built to give you the features you need to offer a competitive retirement plan for your employees.
Plan features include:
Straightforward, transparent pricing
Low cost investment menu
Streamlined administration
Financial wellness program
Fast online plan setup
View the full list of features and available options in the Plan Sponsors Overview.
Exclusively Vanguard funds
This plan includes a variety of Vanguard mutual funds, giving your employees a range of investment options.
Ascensus Essentials 401(k) plan pricing
Clear, consistent pricing with no surprises.
As of 07/15/2026
Pricing subject to change. Excludes investment expenses.
Employer base fee
$125 per month
One-time costs
Implementation Fee | $500
Employee fees
Annual Custodial and Trading | 0.07%
Service Fee | $4 per participant/month
Small business 401(k) tax credits
Offering a 401(k) may provide tax benefits for your business:
Employer contributions may be tax deductible
up to applicable limits
Eligible small businesses may qualify for tax credits
to help offset plan startup costs for up to three years.
Automatic enrollment may qualify for an additional tax credit
for the first three years
Business owners who work for the company can participate in the plan
and access the same tax benefits as employees
How to set up an Ascensus Essentials 401(k)
Our retirement specialists can help you determine if a 401(k) plan is the right fit for your business. Complete the form or call 833-893-3233. For existing plan service, call 833-892-8878.
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Ascensus 401(k) Retirement Solution