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Accelefund ROBS Review: Pricing, Services, and Due Diligence

By Dennis Shirshikov · Published July 24, 2026 · Reviewed July 24, 2026

Accelefund is unusually transparent on core ROBS fees. Its public pages support a $4,500 setup fee, a $1,000 non-refundable deposit, and $99 monthly administration. The main decision is not whether those base numbers can be reproduced; they can. The harder question is whether the written agreement covers the employee, filing, valuation, audit, correction, and exit work your business may need.

Published fees verifiedNo score or approval claimSources accessed July 24, 2026

Reproducible base totals

First year before pass-throughs
$4,500 + ($99 × 12) = $5,688
Three years before pass-throughs
$4,500 + ($99 × 36) = $8,064
Illustrative bond-inclusive examples
$5,788 for year one; $8,364 for three years if a $100 annual bond applies

Bottom Line on Accelefund

Accelefund may be worth shortlisting if you want public ROBS pricing and a package that states setup, transfer facilitation, plan documents, stock documents, Form 5500 preparation, employee enrollment support, fidelity-bond facilitation, and audit assistance when necessary.[6] Its own pages describe personalized one-on-one service and identify Mickey Parker, CPA as an in-house small-business funding expert.[7][9]

The review should remain bounded. Accelefund's public pages do not prove that a specific reader can roll over a current-employer account, that every employee and valuation issue is covered for the $99 monthly fee, or that audit assistance includes legal representation, correction costs, plan termination, stock redemption, insolvency, or business-sale work. IRS and DOL sources make those continuing plan duties material even when a provider helps with administration.[1][2][4]

Accelefund Pricing and What the Base Totals Exclude

Accelefund publishes a one-time setup fee of $4,500 and says the only upfront amount is a $1,000 non-refundable deposit. The pricing page says Accelefund does not collect the rest of its fee until the retirement plan has been set up and the business has been funded.[6] The FAQ repeats the $4,500 flat fee and says the remaining fee is paid after the rollover is complete and the new corporation is funded.[8]

Base first year

Inputs: $4,500 setup and 12 months of $99 administration. Formula: $4,500 + ($99 × 12). Result: $5,688 before pass-throughs and optional items.

Base three years

Inputs: $4,500 setup and 36 months of $99 administration. Formula: $4,500 + ($99 × 36). Result: $8,064 before pass-throughs and optional items.

Those totals are not all-in quotes. Accelefund says clients reimburse the state incorporation fee, adding a partner and that partner's retirement funds costs $1,000, and the ERISA fidelity bond costs about $100 per year for most clients.[6][8] If the $100 annual bond estimate applies, the illustrative totals become $5,788 for the first year and $8,364 for three years. Because Accelefund says "about" and "for most" clients, the bond-inclusive figures are examples only.

Who Accelefund May Fit

Accelefund is most relevant for readers who value public base pricing and provider-assisted setup, but the fit turns on account availability, employee complexity, and whether unresolved services are written into the agreement.

Potentially strong fit

This profile may fit when the facts are simple and the reader can verify the remaining scope before signing.

  • Reader who wants public setup and administration pricing before a consultation.
  • Startup, acquisition, franchise, or growth case that fits the C corporation, qualified plan, rollover, employer-stock purchase, and business-funding sequence.[7]
  • Founder who values direct provider support but will still obtain written scope for pass-throughs, employee administration, corrections, and exit events.

Use more caution

These situations deserve more written detail before treating the base price as decision-ready.

  • Current-employee plan rollover, Roth account, non-spouse inherited IRA, or other account situation where distribution availability or rollover eligibility is uncertain.[3][8]
  • Business with several eligible employees, multiple owners, future buyback plans, likely acquisition financing, or a near-term sale or shutdown possibility.
  • Reader who needs a provider contract to include attorney representation, correction work, final filings, independent valuation updates, or plan termination for one fixed fee.

What Accelefund Says Its Service Includes

Accelefund describes a bundled setup process and ongoing administration support, but each item below is a provider statement rather than independent proof that every future issue is included for one fee.

Setup work Accelefund describes

Corporation establishment, state-agency filing support, charter, articles, resolutions, retirement-plan setup guidance, asset-transfer facilitation from up to three retirement accounts, plan and trust documents, stock subscription agreements, an initial cash value appraisal, and unlimited consultations with a personal business funding expert.[6]

Ongoing administration Accelefund describes

Recordkeeping, annual compliance testing or contribution review, ERISA fidelity-bond facilitation, Form 5500 and 8955-SSA preparation, summary annual report, benefit statements, employee census review and enrollment support, amendments, restatements, IRS and DOL audit assistance when necessary, specialist access, and unlimited consultations.[6]

Process Accelefund describes

Review financing options with an in-house CPA, form a closely held business corporation, set up the corporation's retirement plan, roll over funds into the new plan, document the plan's purchase of company stock, and fund the business.[7]

The FAQ says the process usually takes about two to three weeks, with timing affected by state incorporation processing and the existing custodian's response.[8] Treat that as a planning estimate, not a closing guarantee. Written materials should state who controls the corporate bank account, plan trust, custodian paperwork, rollover method, stock documents, and funding date.

ROBS Mechanics, Account Boundaries, and Continuing Duties

A ROBS transaction is not a loan from the retirement plan to the owner. IRS materials describe a C corporation sponsoring a qualified plan, eligible retirement assets moving to that plan, and the plan buying employer stock.[1][2] Accelefund's FAQ similarly explains that the money is not paid back as a loan; instead, the retirement plan buys equity in the corporation, and later sale or stock buyback proceeds go back to the retirement plan.[8]

Account eligibility still depends on the source account and the existing plan's distribution rules. The IRS rollover page distinguishes direct rollovers, trustee-to-trustee transfers, and 60-day rollovers; it also identifies distribution types that cannot be rolled over and says a retirement plan must meet its own conditions before a distribution is available.[3] Accelefund lists 401(k), 403(b), 457(b), IRA, profit sharing, SEP, SIMPLE, and government Thrift plans as generally usable, while Roth accounts and IRAs inherited from a non-spouse cannot be used.[8]

Once the company sponsors the plan, it has employee-benefit-plan obligations. Accelefund says eligible employees must be allowed to participate and be offered the opportunity to buy business stock with plan accounts.[8] DOL explains that fiduciaries must act prudently, follow plan documents, monitor service providers, pay only reasonable plan expenses, furnish participant information, maintain required records, and have a fidelity bond for people handling plan funds or property.[4] DOL also states the Form 5500 Series is used for annual employee-benefit-plan reporting and must be filed electronically for Form 5500 and Form 5500-SF filings.[5]

Questions to Verify Before Signing

Use these questions to turn Accelefund's useful public pricing into a written quote and service scope. Do not fill a blank with an assumption; ask for a contract answer.

Exact cash needed before funding

Confirm the $1,000 non-refundable deposit, when the remaining $3,500 is charged, who pays each charge, refund terms after the deposit, state incorporation reimbursement, and whether partner, multi-account, acquisition, or franchise facts change the quote.

Pass-through and professional costs

Ask for state filing, registered-agent, business-license, trust, custodian, bank, investment-platform, fidelity-bond, appraisal, CPA, attorney, late-filing, correction, and plan-termination costs in writing.

Plan administration after employees appear

Confirm how $99 per month changes, if at all, when eligible employees join, defer salary, receive employer contributions, need notices, request distributions or loans, or trigger additional testing and statements.

Valuation and stock events

Separate the initial cash value appraisal from annual fair-market-value updates, buybacks, redemptions, business-sale support, material-event valuation, and valuation support during an IRS or DOL inquiry.

Audit, correction, and exit support

Identify who responds to IRS or DOL questions, whether an ERISA attorney represents the plan, what years and fees are covered, whether support survives cancellation, and what happens during plan termination, insolvency, or sale.

The unanswered items are not criticisms by themselves. They are the difference between public marketing pages and the complete operating file a ROBS-funded company needs when employees become eligible, a filing is late, the business is sold, the plan needs correction, or the company fails.

Common Questions About Accelefund

These answers summarize the decision points most readers should settle before comparing Accelefund with another ROBS provider.

Is Accelefund's pricing public?

Yes. Accelefund publishes a $4,500 one-time setup fee, a $1,000 non-refundable deposit, and $99 per month for plan administration. It also identifies separate items such as state incorporation reimbursement, a $1,000 partner add-on, and an ERISA fidelity bond that costs about $100 per year for most clients.[6][8]

What do the first-year and three-year Accelefund totals include?

The base totals include only the published $4,500 setup fee and $99 monthly administration: $4,500 + ($99 × 12) = $5,688 for year one and $4,500 + ($99 × 36) = $8,064 for three years. They exclude state fees, the fidelity bond, partner add-ons, corrections, valuation updates, legal fees, custodian charges, and exit work.[6][8]

Does Accelefund say employees can participate?

Yes. Accelefund says employees who meet eligibility requirements must be allowed to participate and must be offered the opportunity to purchase business stock with their plan accounts. IRS ROBS materials identify employee-access and discrimination issues as recurring examination concerns.[1][2][8]

Does audit assistance mean the plan has no audit risk?

No. Accelefund states IRS and DOL audit assistance is included when necessary, but government sources still leave filing, valuation, fiduciary, employee-access, prohibited-transaction, and service-provider-monitoring duties with the plan sponsor and fiduciaries. Get the assistance scope in writing before relying on it.[1][2][4][5][6]

Sources Checked

This review uses nine source links: five government sources for ROBS mechanics, rollovers, fiduciary duties, and annual reporting, plus four Accelefund pages for provider-reported pricing, services, process, account statements, employee statements, and personnel claims. Provider statements are not treated as approval, ranking, or proof that a particular transaction is suitable.

  1. 1. IRS: Rollovers as Business Start-Ups Compliance Project

    IRS page describing ROBS as a C corporation sponsored qualified plan buying employer stock with rollover assets, warning that determination letters do not approve operations, and identifying Form 5500, Form 1120, valuation, promoter-fee, employee-access, discrimination, and adverse-tax-consequence concerns. Page last reviewed or updated November 16, 2025; accessed July 24, 2026.

  2. 2. IRS: ROBS Examination Guidelines

    IRS memorandum dated October 1, 2008 describing typical ROBS steps, C corporation formation, qualified plan adoption, rollover or trustee-to-trustee transfer, employer-stock purchase, nondiscrimination, prohibited transaction, and valuation issues. Accessed July 24, 2026.

  3. 3. IRS: Rollovers of Retirement Plan and IRA Distributions

    IRS rollover page explaining direct rollovers, trustee-to-trustee transfers, 60-day rollovers, eligible rollover distributions, withholding, required minimum distributions, hardship distributions, receiving-plan limitations, and account-specific restrictions. Page last reviewed or updated May 31, 2026; accessed July 24, 2026.

  4. 4. DOL EBSA: Meeting Your Fiduciary Responsibilities

    DOL September 2021 publication describing written plan, trust, recordkeeping, participant documents, fiduciary status, prudence, exclusive benefit, service-provider selection and monitoring, reasonable fees, Form 5500 reporting, prohibited transactions, employer stock, fidelity bonding, participant notices, correction programs, and plan termination responsibilities. Accessed July 24, 2026.

  5. 5. DOL EBSA: Form 5500 Series

    DOL Form 5500 Series page stating DOL, IRS, and PBGC jointly developed the Form 5500 Series for annual employee-benefit-plan reporting and that Form 5500 and Form 5500-SF filings must be electronic through EFAST2. Accessed July 24, 2026.

  6. 6. Accelefund: Pricing

    Accelefund public pricing page stating a free consultation, $4,500 one-time setup fee with a $1,000 non-refundable deposit, fee collection after retirement-plan setup and business funding, reimbursed state incorporation fee, $1,000 partner add-on, setup inclusions, $99 monthly plan administration, fidelity-bond facilitation with about $100 annual cost for most clients, Form 5500 and 8955-SSA preparation, employee enrollment support, audit assistance, specialist group, and unlimited consultations. Page metadata modified May 29, 2025; accessed July 24, 2026.

  7. 7. Accelefund: ROBS Plan

    Accelefund public ROBS page describing a six-step process: review financing options with an in-house CPA, form a closely held business corporation, set up the corporation's retirement plan, roll over funds, document plan purchase of company stock, and fund the business. It also states start, buy, or grow use cases and identifies Mickey J. Parker, CPA. Page metadata modified October 30, 2025; accessed July 24, 2026.

  8. 8. Accelefund: FAQs

    Accelefund FAQ page restating the $4,500 flat fee, $1,000 upfront deposit, $99 monthly administration fee billed by monthly bank draft to the corporation, about $100 annual fidelity bond for most clients, up-to-three-account transfer support, additional partner fee, minimum $45,000 transfer, two-to-three-week timeline subject to state and custodian timing, all-50-state service, C corporation requirement, employee participation requirement, fair-market-value buyback language, and administrative-services-list availability upon request. Page metadata modified May 29, 2025; accessed July 24, 2026.

  9. 9. Accelefund: About

    Accelefund about page stating it helps aspiring owners use pre-tax retirement accounts such as 401(k), IRA, 403(b), 457(b), or thrift savings as startup capital, offers personalized one-on-one service, identifies Mickey Parker, CPA as in-house small-business funding expert, and states he has advised small business owners across the U.S. for the past decade. Page metadata modified May 29, 2025; accessed July 24, 2026.

Compare Accelefund after the written quote is complete

Use the fee catalog and provider matcher to compare base pricing, ongoing administration, employee support, audit language, valuation support, and exit scope.

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