Skip to main content
401kROBSCheck eligibility
Free provider fee tool

ROBS Provider Fee Calculator

Direct answer: this calculator totals documented ROBS provider setup and administration fees for a selected horizon. It includes the setup year as year 1, annualizes recurring administration by cadence, excludes unknown fees from arithmetic, and requires written provider verification before relying on any preset.

By Dennis Shirshikov · Published 2026-08-13 · Updated 2026-08-13

Method: setup is counted once in year 1. Recurring admin is counted once per included year after annualizing monthly, quarterly, or annual cadence. My Solo 401k is handled separately because its maintained record says first-year support is included in setup.

No taxes, investment losses, business costs, lead forms, rankings, or quote requests are included.

Calculate documented provider admin fees

Choose a source-backed preset or enter a written custom scenario. The setup year is year 1. Recurring periods are counted for each included year unless the preset documents first-year support inside setup.

Scenario type

Presets are alphabetical and inherit maintained provider records. Unknown presets show the exclusion instead of filling blanks.

1 to 30; whole years.

Optional documented add-ons

Leave off unless a quote or fee page documents the amount. These fields never auto-fill provider unknowns.

0 to 100000; whole dollars.

0 to 50000; whole dollars.

First-year provider admin cost

$5,688

Horizon cumulative admin cost

$10,440

Recurring annualized cost

$1,188

Breakdown for Accelefund: Published ROBS setup plus monthly administration

Setup 4500 + (99/monthly annualized to 1188 × 5 inclusive recurring periods). Year 1 includes setup and the first recurring year unless the documented preset says first-year support is included in setup.

Setup

$4,500

Base recurring total

$5,940

One-time add-ons

$0

Recurring add-ons

$0

Selected horizon

$10,440

Included

  • Review financing options with an expert
  • Form a closely held business corporation
  • Set up the corporation's retirement plan
  • Roll over funds into the new ROBS plan
  • Document plan purchase of company stock
  • Fund the business

Excluded and unknown

  • Taxes, penalties, investment losses, business purchase price, payroll, operating losses, loan interest, valuation or professional fees not explicitly entered, correction costs, and exit costs are not part of this provider-admin result.
  • Optional documented one-time add-ons are excluded because the switch is off.
  • Optional documented recurring add-ons are excluded because the switch is off.
  • Additional partner costs, pass-throughs, state-specific reimbursements, corrections, termination, cancellation, and refund mechanics require written confirmation.
  • State filing, registered-agent, bond, custodian, trustee, bank, payroll, CPA, tax-return, correction, cancellation, refund, transition, valuation beyond public scope, and exit or plan-termination costs are excluded unless documented separately.
  • Provider contracts can change price, timing, included services, refund terms, employee support, valuation scope, and audit assistance after the public source date.

Comparison caveat: lower arithmetic is not a recommendation and provider presets are not equivalent scope. Verify current fees, cadence, services, pass-throughs, refund terms, and professional boundaries directly with each provider.

Privacy: this native calculator uses on-page FormData only. It does not store inputs, update the URL, set cookies, capture leads, or request a quote.

What the result means

The result is a provider-fee scenario, not a provider recommendation. A lower cumulative number may reflect a narrower service scope, first-year support timing, starts-at pricing, or missing public detail rather than a better provider. DOL fee materials support comparing services and costs together and monitoring providers over time.[2] [3]

The calculator does not rank, score, match, collect contact information, estimate undisclosed fees, or treat unknown provider fees as zero. Unknown presets remain selectable so the exclusion is visible, but they cannot produce a preset calculation.

Worked example independently checked

Example: FranFund's maintained record shows a $4,995 setup fee and $165 monthly required TPA service. For a three-year horizon with no add-ons, annual recurring equals $165 × 12 = $1,980. First-year cost equals $4,995 + $1,980 = $6,975. Three-year cumulative provider admin cost equals $4,995 + ($1,980 × 3) = $10,935. That math excludes separate business-loan packaging, pass-throughs, taxes, valuation or exit work unless a written quote documents and the user turns on an add-on.

Formulas, assumptions, and boundaries

  • First year = setup fee + first annualized recurring administration period + enabled one-time add-on + enabled annualized recurring add-on.
  • Selected horizon = setup fee + annualized recurring administration × included recurring periods + enabled one-time add-on + enabled recurring add-on × horizon years.
  • Recurring annualized cost = monthly × 12, quarterly × 4, or annual × 1.
  • Custom scenarios require the user to enter documented setup and recurring amounts; the tool does not fill missing provider fees from averages, competitors, or guesses.
  • The result excludes taxes, penalties, investment opportunity cost, retirement-account losses, business purchase price, operating costs, loan interest, plan corrections, provider changes, termination, and exit costs unless entered as explicit add-ons.

Preset sources, unknowns, and editorial independence

Provider presets inherit canonical provider records used by the directory and interactive comparison tool.[4] They preserve fee-change warnings, source dates, affiliate labels, unknowns, and scope caveats. Presets are alphabetical, not ranked; affiliate status does not affect defaults or ordering.

Complete arithmetic presets currently exist for Accelefund, Benetrends Financial, FranFund, Guidant Financial, My Solo 401k Financial, Nexus 401(k) by Talcott Forge, Pango Financial, ROBSPRO. Incomplete or unavailable presets remain excluded from arithmetic: Aprio, Business Funding Trust, Directed Equity, IRA Financial, ROBsAdvisor, Tenet Financial Group.

This educational tool does not provide legal, tax, fiduciary, investment, valuation, accounting, or provider-selection advice. Ask each provider for current written setup fees, recurring fees, billing cadence, participant charges, valuation costs, audit support, contract exclusions, cancellation/refund terms, transition fees, and exit or plan-termination fees.

Sources checked August 13, 2026

  1. [1] IRS ROBS compliance project

    IRS describes ROBS arrangements, plan qualification concerns, promoter fees, Form 5500, Form 1120, valuation, prohibited transactions, discrimination, business failure, bankruptcy, liens, and dissolution. Page last reviewed Nov. 16, 2025; checked Aug. 13, 2026.

  2. [2] DOL: Meeting Your Fiduciary Responsibilities

    DOL explains fiduciary duties, service-provider selection and monitoring, reasonable fees, plan expenses, Form 5500 reporting, plan documents, corrections, and employer-stock fair-market-value boundaries. Checked Aug. 13, 2026.

  3. [3] DOL: Understanding Retirement Plan Fees and Expenses

    DOL explains that plan fiduciaries should compare services and fees, understand bundled and unbundled arrangements, evaluate compensation, and monitor providers over time. Checked Aug. 13, 2026.

  4. [4] Canonical 401kROBS provider records

    Preset fees inherit the maintained provider records used by the directory, profiles, and interactive comparison tool. Provider sources support only the provider-reported public fees and service wording captured in those records. Internal canonical records reviewed Aug. 13, 2026.

Related tools and methodology

Interactive ROBS Provider ComparisonROBS Total-Cost CalculatorProvider directoryProvider match methodologyROBS provider fees and servicesComplete ROBS cost guide