Small Business 401(k) Is The  Newest, Most Economical Full-Service 401(k) Plan Available Today!

			[topic 1] Pension Systems Corporation (PSC), Specializes in Full-Service 401ks for Companies of All Sizes Pension Systems Corporation (PSC) has been a trailblazer in the 401k industry for decades, concentrating on the largely-ignored needs of small and mid-sized companies. PSC has created an affordable line of full-service plans called the Small Business 401k that participants rank among the most popular plans in the nation. -- PSC's Small Business 401k is adaptable to companies of any size. Small-company plans are NOT truncated versions of big company plans. -- Part of PSC's 401k "solution" is affordability without reduced service. By offering of variety of investment mix-plan pricing approaches, companies can choose whether to absorb all the costs of the plan, split the costs with the plan's participants, or have the plan's participants absorb the costs. -- PSC's 401k plans see participation rates that are often nearly TWICE the national average. Investment choice, prompt service, and plan flexibility play major roles in the popularity of  Small Business 401k plans. -- PSC's Small Business 401k is the next evolution of PSC's forward-thinking approach to 401k plans. Designing plans that meet today's businesses' needs within realms adaptable to tomorrow's keep both PSC's Small Business 401k and Easytec Systems' always under our 401k experts' eyes; they continually evaluate additional features and services that might better serve our full-service and self-service clients. For more about the evolution of Small Business 401k from some of PSC's innovations, see this website's About Us page.
	Pension Systems Corporation (PSC) Specializes in Full-Service 401ks
	Quality + Flexibility + Affordability = PSC's Small Business 401k
	Unparalleled Investment Options
	PSC Full Service 401k vs. Small Business 401k Self-Service 401k
	PSC Full Service 401k Pricing
	Converting Existing 401k Plans Is Quick and Affordable
	PSC Handles All Types of Retirement Plans, Including 403b Plans and IRAs
	Alternative to Full-Service 401(k) Plans -- Affordable and Complete "Self-Administered" 401(k) Plans.
	About Us and Our 401(k) Technology
	Live Interactive Online Demo
	For More Information...

back to page topics   [topic 2] Quality + Flexibility + Affordability = PSC's Small Business 401k (and that's not the typical full-service equation) Quality Administration As a full-service provider, PSC of course processes each month's 401k contributions for you, but PSC administration also means quick response times to your requests made by your company and/or plan participants. Flexible Plan The Small Business 401k, lets your company decide its plan's parameters within those approved by the IRS. You have the freedom to customize the IRS-approved prototype plan to suit your company's 401k needs. -- You choose your plan's participation eligibility requirements. -- You choose the type and formula for any employer contributions (matching, profit sharing, qualified nonelective) -- or choose not to make employer contributions. -- You choose the vesting formula to be applied to any employer contributions (qualified nonelective contributions are, by law, always immediately vested). -- You choose your plan's investments from a huge array: self-directed brokerage accounts, any of hundreds of no-load mutual fund families, or any of hundreds of load mutual fund families or brokerage accounts coupled with one or more no-load mutual fund families. -- There's no limitation on the number or foundry of investments you can offer. It's easy to supply your plan with investment flexibility to meet present as well as future needs. -- You write your plan's loan policy; PSC can help you formulate that policy -- at no extra charge. -- You decide if you want to use automatic enrollment for your plan, and if so, you choose the default investment choice and contribution level. -- Your plan is never limited by minimum participation numbers (it does, of course, have to pass federally-mandated annual compliance testing) Affordable Service No decent 401k plan is as affordable as a Small Business 401k self-service 401k, but in the full-service arena PSC plans are about as affordable as you can get -- and you don't have to scrimp on quality, either. -- PSC plans include services and options other vendors charge extra for, such as offering a virtually limitless array of mutual funds in your plan, providing employees with online, downloadable year-to-date account statements, and providing your plan with MONTHLY compliance testing. -- PSC distribution, loan and other per-transaction administration fees are significantly lower than industry standards. back to page topics

[topic 4] PSC Full Service 401ks vs. Small Business 401k Self-Service 401ks There are many similarities between Small Business 401k self-service 401k plans and PSC Small Business 401k full-service plans. In fact, Small Business 401k was largely developed from the "what works and what works best" successes of the Small Business 401k. The main differences between the two administrative arrangements are (1) who does the work, and (2) cost. Both types of plans come with multiple pricing-investment approach configurations. Both types of plans offer discounts for using load mutual fund investments (see www.web401k.com's pricing section for details).

Web 401k Online versus THE 401(k) SOLUTION Web 401k Online self-service 401ks 401(k) Solution full-service 401ks Labor You do the monthly data processing and interaction with the investment house -- but you've got a highly automated Web 401k to handle most of the work for you. NOT the same PSC does all the monthly data processing and interaction with the mutual fund companies from data you supply. Cost Pricing starts at $1195 a year NOT the same Costs higher than Web 401k -- but less than half of typical full-service fees. Plan Design and related fees Unbeatable investment and plan design flexibility. Price encompasses all options. same Unbeatable investment and plan design flexibility. Price emcompasses inclusion of all options Employer Contributions All types optional and free of charge. same All types optional and free of charge. Plan Size Restrictions none: anything from 1 to one million (or more) same none: anything from 1 to one million (or more) Investments self-directed brokerage accounts and/or mutual funds same self-directed brokerage accounts and/or mutual funds Participant Account Statements generated monthly same generated monthly Compliance Testing run as often as you like (we recommend monthly) same run monthly Trustee Fees none same none Automatic Enrollment optional same optional Asset Security You retain full asset control at all times. No third party ever takes constructive receipt of your plan's monies. Rather, when you finish the month's processing, Web 401k instructs you as to what amounts to forward from the trust for distribution to your participants' 401k investments. same You retain full asset control at all times. No third party ever takes constructive receipt of your plan's monies. Rather, PSC does the processing, then instructs you as to what amounts to forward from the trust to what investments for distribution to your participants' 401k accounts. back to page topics

[topic 5] PSC Full-Service 401k Plan Pricing Plan Size Annual Fee 1 eligible employees (plus spouse) $1390 a year--complete 2-4 eligible employees $2390 a year — complete 5-10 eligible employees $2590 a year — complete 11-15 eligible employees $2990 a year — complete 16-20 eligible employees $3390 a year — complete 21-25 eligible employees $3790 a year — complete 26-30 eligible employees $4190 a year — complete 31-35 eligible employees $4790 a year — complete 36-40 eligible employees $5390 a year — complete 41-45 eligible employees $5990 a year — complete 46-50 eligible employees $6590 a year — complete more than 50 eligible employees $6590 plus $300 per each additional 5 eligible employees The first year only, there is also a $1495 one-time plan setup and software customization fee. This fee does not vary with plan size.   PSC's full-service plans are very reasonably priced -- well below the national average for full-service plans. For instance: -- PSC full-service plan serving 25 eligible employees costs $3,790. -- The national average for a 401k serving 25 eligible employees is $6,750 to $20,000 a year (and these competitors' plans often lack the quality service and flexible options standard in PSC Small Business 401k full-service plans) -- Call 1-800-752-401k (that's 1-800-752-4015) for more information or for a free quote on a PSC full-service 401k plan. If you prefer, e-mail us here and we'll forward your inquiry to Pension Systems Corporation: write to PSC@401k-network.com. back to page topics

[topic 6] Converting Existing 401k Plans Is Quick and Affordable PSC can convert your existing 401k plan into an affordable, flexible Small Business 401k full-service plan in a matter of days. -- There's a one-time, first-year-only plan setup fee of $1495. The fee covers all conversion and full-service plan setup expenses. -- You can often keep your plan's current investments. Alternately, you can choose to adopt any of an extensive array of self-directed brokerage accounts, or no-load mutual funds (see our 401k Glossary if you're unfamiliar with these terms). -- For generally no extra charge, you can have us amend your existing plan during the plan conversion. Perhaps you'd like to add in 401k loans, maybe matching contributions? back to page topics

[topic 7] PSC Handles All Types of Retirement Plans, Including 403b Plans and IRAs The federal government has created several tax-deferred retirement savings vehicles, and PSC offers all the most popular ones, including 403b plans for non-profit organizations. one-person 401k plans, and SEPs for self-employed people. -- PSC can provide a quality, affordable plan for almost every IRS-sanctioned retirement savings vehicle set up to be employer-sponsored. back to page topics

[topic 8] Alternatives to Traditional "Full Service" 401(k) Administration Pension Systems Corporation, an affiliate of Pension Systems Corporation, offers an alternative approach to traditional 401(k) administration ----“self-administered” “run-it-yourself” 401(k) plans using the pc-based 401k Easy (www.401k-easy.com) or the web-based Small Business 401k Online (www.401k-easy-online.com)     online self-service plan participation state of the art security and technology, yet extremely easy to use pricing starts at $1195 a year no-load mutual funds and/or self-directed brokerage accounts no software to order, update or load into your computer   PC-based self-service plan participation traditional (i.e., paper) plan participation ideal for very small plans pricing starts at $695 a year no-load mutual funds and/or self-directed brokerage accounts annually updated powerful yet easy to use software   back to page topics

		[topic 11] For More Information... Contact PSC by calling 1-800-752-4015 (4-0-1-k), or send an e-mail to PSC@401k-network.com requesting that we have a Small Business 401k representative contact you. back to page topics
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