The Low Cost 401(k)
Gradient works hard to keep your plan administration costs affordable and participant fees within reason.
We’re dedicated to providing you with simple and open pricing, making it easy to see what you’ll have to pay. We welcome your call at 888-824-3525.
Our selections are index-based investments called Exchange-Traded Funds (ETFs). These market-efficient products offer low expense ratios and diversification. In our 401(k)s, you can purchase and trade ETFs with no transaction fees!
The following chart illustrates annual expense ratios
on some of our top ETF and mutual fund selections:
| Symbol | Fund | Category | Ratio |
| EPS | WisdomTree Earnings 500 Index ETF |
Large Blend | 0.28% |
| EZY | WisdomTree Low P/E Index ETF | Large Value | 0.38% |
| EES | WisdomTree Small Cap Earnings Index ETF | Small Blend | 0.38% |
| EZM | WisdomTree Mid-Cap Earnings Index ETF |
Mid-Cap Blend | 0.38% |
Fixed Income Funds
| Symbol | Fund | Category | Ratio |
| VBISX | Vanguard® Short-Term Bond Index | Short Term Bond | 0.15% |
| VBIIX | Vanguard® Intermediate-Term Bond Index Fund | Indermediate Term Bond | 0.15% |
| VIPSX | Vanguard® Inflation Protected Securities Fund | Intermediate Government | 0.18% |
Specialty Funds
| Symbol | Fund | Category | Ratio |
| PURAX | Dryden Global Real Estate Fund A Load Waived | Specialty - Real Estate | 0.72%* |
| PRNEX | T. Rowe Price New Era Fund | Specialty - Natural Resource | 0.56% |
| DTH | WisdomTree DEFA High Yielding Equity Index ETF | Foreign - Large Blend | 0.48% |
| DEM | WisdomTree Emerging Markets High Yielding Equity Index ETF | Foreign - Emerging Markets | 0.63% |
* After fee rebates back to 401(k)