[vostok]

What's with charging a custodian fee to the employee? I've worked at multiple employers that don't do that.

[busque]

This is a passed on fee, not charged by Guideline, not marked-up in anyway. We are just being transparent instead of wrapping it in the expense ratio like everyone else. It's very important to have an established custodian.

[vostok]

My plan does not wrap this fee into the expense ratio. For example I hold the same fund in the my 401(k) and in my personal account. I am charged 5bps for both of them.

[jbtule]

That's interesting, does that mean you don't receive any compensation from that expense ratio, like sub transfer agent fees?

[busque]

Correct. If fees are due to Guideline, we use them to pay down the .03 custodial fees. :)