0.30%
1.4%
$1,169,480
$1,483,503
A
B
$314,023
{
*Assumptions: A 25-year-old participant has a starting salary of $30,000, receives a 5% raise annually,
and puts 10% of that salary into a 401(k) plan each year with average annual returns of 8% before
costs. This hypothetical example does not represent the return on any particular investment.
Reduce corporate costs
HELPING YOUR BUSINESS
Just as lower taxes increases your paycheck, lower 401(k) costs can increase your retirement savings.  
This chart shows the result of 40 years’ compounding on two investments.  Fund A has fees of 1.40%,
fund B, 0.30%.  After 40 years of compounding, the low-cost option delivers $314,023 more than the
high-cost investment.*  
Additional management fees, high administrative costs and paying extra for education are
unnecessary.  With the right plan it is possible to refund fees, that mutual funds normally pay
advisors, back to the plan or participants.
The Department of Labor is scrutinizing plans for excessive fees and lack of disclosure.  Fisk
Financial Services can help you meet your fiduciary responsibilities by providing a plan that, along
with Fisk Financial Services, will act as your Co-Fiduciary.
Your defense against high cost 401(k) plans
The money
you save could
be your own.
FISK FINANCIAL SERVICES
Help participants keep more of their savings
Reduce potential liability
F
Fisk Financial Services is a Registered Investment Advisor in the state of California