ShareBuilder 401k - Our Story

We believe everyone can be a Saver, and we're delivering the technology, investment and service expertise to help make it happen for you.

Our Mission - Lead Americans to Save

We are here to Lead Americans to Save. We seek to help deliver a better tomorrow for us all.
Many things can stand in our way and prevent us from saving, such as:

Simple Administration

The complexity of managing and choosing financial services

Plan Designs

The overabundance of products and lack of transparency

Employee Education

Time, education, and other financial burdens

We strive to be a beacon to help change all that. We're here to empower, motivate, and simplify saving so Americans can achieve and own their financial freedom.

Our Values - R.A.I.S.E Your Saving

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    Real Value

    We believe that by focusing on providing quality, low-cost retirement savings solutions, we will help more people prepare for the future and achieve their dreams.

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    We believe in dispelling misperceptions and sharing learning, insights, and research so Americans are empowered to make informed financial decisions.

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    We believe that service innovations and well-designed digital solutions can help Americans make smarter financial decisions with less effort.

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    We believe that simplifying the complexity of investing and saving empowers more Americans to invest with confidence.

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    Exceptional Experiences

    We believe that a great customer experience is essential in helping our clients meet their savings objectives.

Our History

We pioneered online quote to purchase of 401(k) plans and the all index-fund investment roster (using Exchange-Traded Funds and one Money Market) to help any size business and their employees enjoy the benefits of a low-cost, high-service 401(k) plan.

ShareBuilder 401k was launched in 2005 with the goal of making retirement savings plans accessible for all. Today, we serve over 6,000 companies across America offering 401(k) plan design consulting, employee education, digital setup, and investment management services.

Our history timeline Our History timeline

How We Work to Build Your Future

We believe providing a low-expense, diverse, high-quality fund lineup1 is essential for long-term investing so you can reach your goals. We saw a big need to leverage digital ease, investment services, and retirement plan know-how to help cut more costs out of 401(k)s and better serve the businesses of America. Every dollar spent in investment expenses is one less dollar invested in the markets for you. This is why we advocate to keep your all-in investment expenses under 1%.

Our 401(k) investment committee selects, monitors, and adjusts the fund lineup and model portfolios in every ShareBuilder 401k plan to save you and your business time, energy, and hassle.

Our 401(k) advisors and customer success managers support your plan, so you have quick access to experts to help you with questions in managing your plan and investment options.

We focus on continuously improving our offering to better serve our clients and reduce costs to help more Americans save for retirement.

1 High-quality Funds: The ShareBuilder Advisors Investment Committee conducts an annual review of the Exchange-Traded Funds offered as ShareBuilder 401k fund options. This review includes multiple variables including length of time since inception, asset level, historic performance over one to ten years, expense ratio, and how the funds compare to their respective benchmark indices. Each fund is monitored and changes are made to the fund lineup as needed to align the investment options to the Investment Committee’s investment policy.