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Market Analysis: Automatic Rollovers

A PensionBee analysis discovered that leading Automatic Rollover (Safe Harbor) IRA providers charge high fees and deliver low returns, putting hard-earned savings at risk. This analysis, which has received media coverage from major outlets and was further highlighted by our CEO, Romi Savova, during an appearance on Bloomberg.
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Associated PressYahoo FinanceDaily Mail OnlineBenzingaThe US Sun

Insights from Our Analysis

Through our analysis of top Automatic Rollover (Safe Harbor) IRAs, PensionBee has identified several roadblocks that can limit the growth of retirement savings:

High Fees

Many providers come with monthly dollar fees that steadily eat away at your savings.

Low Interest Rates

Some providers offer returns below 1%, far less than the typical market rate of over 4%.

Skimmed Interest on Returns

Many providers charge fees, like “bank servicing fees,” that reduce account growth. While 401(k) plans can yield 3-8% returns, Automatic Rollovers/Safe Harbor IRAs often see minimal or negative growth due to fees outweighing earnings.

PensionBee vs. Other Automatic Rollover Providers: How Savings Compare

The following charts show how fees in other Safe Harbor IRAs can shrink accounts over time — and how PensionBee protects savings and keeps them growing.

Impact of different Automatic Rollover Providers on an account worth $3,000

Provider
Enrollment Fee
Fixed Annual Fee
Illustrative Annual
% Return
Balance After
5 Years
Balance After
10 Years
Balance After
20 Years
PensionBee
$0
$0
4%
$3,503
$4,091
$5,578
1
$0
$24
2%
$3,187
$3,394
$3,875
2
$0
$75
2%
$2,922
$2,836
$2,636
3
$15
$50
2%
$3,035
$3,091
$3,221
4
$0
$35
0.46%
$2,857
$2,747
$2,519
5
$0
$20
2%
$3,208
$3,438
$3,972

*The above projections were calculated and prepared from publicly available information showing the impact of different illustrative charging scenarios.  The above projections are provided solely for informational and educational purposes and should not be relied upon as sole decision-making tools. Nothing presented here constitutes tax, legal, financial or investment advice. This information does not take into account the specific financial, legal or tax situation, objectives, risk tolerance, or investment needs of any individual investor. All projections are based on publicly available data and research at the time of posting. These projections do not constitute an offer, solicitation, or recommendation to buy or sell any securities or investments. Your investment is at risk. Past performance is no guarantee of future results.

Impact of different Automatic Rollover Providers on an account worth $1,000

Provider
Enrollment Fee
Fixed Annual Fee
Illustrative Annual
% Return
Balance After
5 Years
Balance After
10 Years
Balance After
20 Years
PensionBee
$0
$0
4%
$1,168
$1,364
$1,859
1
$0
$24
2%
$979
$956
$903
2
$0
$75
2%
$714
$398
$0
3
$15
$50
2%
$827
$653
$461
4
$0
$35
0.46%
$811
$653
$326
5
$0
$20
2%
$1,000
$1,000
$1,000

*The above projections were calculated and prepared from publicly available information showing the impact of different illustrative charging scenarios. The above projections are provided solely for informational and educational purposes and should not be relied upon as sole decision-making tools. Nothing presented here constitutes tax, legal, financial or investment advice. This information does not take into account the specific financial, legal or tax situation, objectives, risk tolerance, or investment needs of any individual investor. All projections are based on publicly available data and research at the time of posting. These projections do not constitute an offer, solicitation, or recommendation to buy or sell any securities or investments. Your investment is at risk. Past performance is no guarantee of future results.

Protect Employees’ Savings with PensionBee

At PensionBee, we’ve created an Automatic Rollover solution designed to protect former employees’ savings as they figure out their next move for retirement. Here’s how we stand apart:

Seamless Automated Rollovers

A streamlined process powered by SS&C, ensuring retirement savings are always on track and never left behind.

Leading Investment Strategy

Our Safe Harbor IRA is powered by State Street’s SPDR T-Bill ETF (BIL), designed to be a safe and stable place to grow.

Personal Customer Support

Our dedicated rollover managers, called BeeKeepers, are here to guide customers every step of the way through the process.

Don't Let Hidden Fees Drain Your Employees' Retirement Savings

PensionBee prioritizes your employees' financial future. Contact us today:
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[email protected]

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+1 (718) 504-8093

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PensionBee Inc. is registered with the SEC as an investment adviser. We do not provide in-person advice.

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