Our Safe Harbor IRA: The Smart Solution for 401(k) Mandatory Rollovers

Optimize your 401(k) plan administration and give your former employees’ money a retirement plan that helps grow their savings.

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Why Employers Choose PensionBee Safe Harbor IRAs

Automatically roll over small 401(k) balances of former employees (under $7,000) into our Safe Harbor IRAs and transform your retirement plan management

Reduce Administrative Burdens

Fewer small accounts mean easier plan management

Save On Costs

Cut record-keeping fees and unnecessary expenses

Improve Plan Health

Enjoy cleaner metrics, better compliance, and stronger fiduciary oversight

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Minimize Fiduciary Risk

Stay compliant with DOL rules and reduce liability

The Truth About Safe Harbor IRAs

Millions of Americans are unknowingly losing money to excessive fees and poor returns. Our market review reveals how hidden costs can deplete retirement accounts to $0.

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The PensionBee Difference:
What We Deliver for Your Financial Future

Real Term Growth

Unlike typical providers who may leave funds in deposit accounts and retain a significant share of the interest, we immediately invest in State Street’s SPDR T-Bill ETF (BIL) so savings can keep growing.

Personalized Support

Every customer receives guidance to make informed financial decisions

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Award-Winning Platform

Our intuitive interface and digital tools cater to the modern consumer's expectation for seamless online financial services.

Rollover and Grow

We help customers switch into model portfolios designed to help their savings grow long term.
Check out our Target Date Portfolio, designed to maximize retirement readiness. 

Transparent Fee

Clear and simple - our annual fee is all-in at 0.85%.That includes both our management fee AND the underlying investment costs. No fixed dollar fees eroding balances over time.

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Educational Resources

We go beyond just managing funds—we empower savers with knowledge and tools

Our comprehensive guide to understanding retirement planning fundamentals

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Easy-to-follow video tutorials breaking down complex retirement concepts

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Interactive dashboards that help customers monitor and optimize their savings progress

Impact of different Safe Harbor IRA 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 have been prepared for illustrative purposes showing the impact of different illustrative charging scenarios. Past performance is not a guide to future returns and actual returns may vary. Simulated performance figures should not be relied upon for making financial decisions. Annual return assumptions are based on provider disclosures.

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

PensionBee prioritizes your employees' financial future. Contact us today: