ROBS Providers Without Monthly Administration Fees

My Solo 401k Financial publishes a $3,000 setup fee that includes first-year support and a $899 annual fee starting 12 months later for the first 10 participants.^[8] Nexus 401(k) by Talcott Forge publishes $5,000 setup plus $500 per quarter for ongoing administration.^[16] Business Funding Trust publishes a no-cost plan administration kit, but it does not publish exact current setup or optional professional-administrator help amounts.^[11]

That is the practical answer to the “without monthly administration fees” question. It is not a recommendation to choose those providers automatically. A founder still needs the full cost, renewal date, employee-administration scope, valuation support, filings, audit help, cancellation terms, and exit support in writing.

Read these labels as billing-cadence evidence, not as quality scores. The same provider can have a nonmonthly cadence and still require paid work outside the published base scope.

These cards preserve the 14-provider directory order. A provider’s position here is not a paid ranking, product rating, or universal winner claim.

The calculation includes published setup plus the recurring administration charge that would occur in the first 12 months or first 36 months. It excludes items the public source leaves variable, such as state-specific charges, participant extras, unusual corrections, audits, termination, cancellation, sale, tax, legal, and valuation edge cases unless the cited source prices them as part of the base package.

Do not compare cadence alone. The DOL explains that fees are one factor in selecting and monitoring a retirement-plan service provider; the comparison should look at covered services, total cost, compensation, conflicts, and what is excluded.^[2] For a ROBS plan, the contract should spell out who handles plan documents, employee eligibility, census work, testing, Form 5500, Form 1099-R, Form 945, corporate tax coordination, fidelity bond, valuation, amendments, restatements, audit response, corrections, cancellation, plan termination, stock redemption, and sale or exit work.

The IRS ROBS project is relevant because it identifies recurring problems in ROBS arrangements, including filings, valuation, promoter fees, employee access, and failures to understand that the qualified plan is a separate entity with continuing requirements.^[1] A lower recurring cadence does not remove those responsibilities.

This page is educational. It does not determine whether a provider’s contract is reasonable for a specific plan, whether a particular ROBS arrangement satisfies tax or ERISA rules, or whether a business is a suitable use of retirement-plan assets. Before signing, a founder should coordinate provider terms with an ERISA attorney, CPA, valuation professional, lender, and plan administrator when those roles are relevant.

Commercial disclosure: this page contains no paid ranking, product rating, lead form, affiliate compensation, or provider-review schema. Update triggers include any provider change to setup, monthly, quarterly, annual, first-year, promotional, renewal, cancellation, termination, valuation, filing, employee, or audit wording; ROBsAdvisor becoming reachable; or a quote-only provider publishing exact fees.

These answers address the comparison questions that usually change a founder’s next step after seeing the provider list.

1. [1] IRS ROBS compliance project

   Opened August 13, 2026. IRS page last reviewed or updated November 16, 2025; supports ROBS mechanics, Form 5500/Form 1120, valuation, promoter-fee and employee-access boundaries, not provider pricing.

2. [2] DOL fiduciary responsibilities

   Opened August 13, 2026. DOL source supports prudent provider selection, plan documents, reasonable expenses, service-provider monitoring, fee comparison by services, and employer-stock context.

3. [3] Guidant Financial pricing

   Opened August 13, 2026. Provider-controlled page publishes 401(k) Business Financing starting at $5,495 and 401(k) plan administration starting at $149 per month.

4. [4] Benetrends ROBS/RAPS cost article

   Opened August 13, 2026. Provider-controlled article publishes Rainmaker setup at $4,995 and $155 per month; Rainmaker Roth Advantage setup at $9,995 and $195 per month.

5. [5] FranFund pricing

   Opened August 13, 2026. Provider-controlled pricing page publishes a $4,995 one-time 401(k) Business Funding setup fee and $165 per month TPA fee.

6. [6] Pango ROBS page

   Opened August 13, 2026. Provider-controlled page displays DreamSpark at $4,695 and describes low monthly maintenance.

7. [7] Pango common questions

   Opened August 13, 2026. Provider-controlled FAQ publishes $4,695 setup, $129 a month maintenance, and a conflicting $3,995 flat setup reference in a commission answer.

8. [8] My Solo 401k Financial pricing

   Opened August 13, 2026. Provider-controlled page publishes $3,000 setup including first-year annual support; $899 annual fee starts 12 months later for the first 10 participants; $75 per additional participant.

9. [9] IRA Financial ROBS 401(k)

   Opened August 13, 2026. Provider-controlled page, modified August 13, 2026, displays $3,500 setup and a $1,000 first-year ROBS 401(k) promotional price with crossed-out $1,200 and SUMMER200; renewal was not verified from the page.

10. [10] Tenet Financial Group ROBS funding

    Opened August 13, 2026. Provider-controlled page describes ROBS plan design, installation and administration but does not publish exact setup or administration prices.

11. [11] Business Funding Trust fees

    Opened August 13, 2026. Provider-controlled page says it has a no-cost plan administration kit and professional plan-administrator help for an affordable fee; exact setup and optional-help amounts are not public.

12. [12] Accelefund pricing

    Opened August 13, 2026. Provider-controlled page publishes a $4,500 one-time setup fee, $1,000 non-refundable deposit, and $99 per month plan administration.

13. [13] ROBSPRO fees

    Opened August 13, 2026. Provider-controlled page publishes a $4,000 turnkey package and a monthly administrative fee starting at $50 per month, billed quarterly.

14. [14] Aprio ROBS services

    Opened August 13, 2026. Provider-controlled page describes C corporation formation, ROBS setup, annual administration, valuation, tax, M&A and exit support but does not publish exact dollar pricing.

15. [15] Directed Equity directINVEST

    Opened August 13, 2026. Provider-controlled page describes the directINVEST process with attorneys, CPAs and financing experts but does not publish exact dollar pricing.

16. [16] Nexus 401(k) pricing

    Opened August 13, 2026. Provider-controlled page publishes one plan: $5,000 one-time setup plus $500 per quarter for ongoing administration, with setup and ongoing scope listed.

17. [17] ROBsAdvisor website

    Attempted August 13, 2026. The public website timed out during verification, so current service and price claims remain unverified.