RecordkeeperDirect®
We make small-business retirement plans simple and competitively priced
Capital Group, home of American Funds, offers a retirement plan solution designed specifically for smaller businesses
RecordkeeperDirect is a high-quality program that:
- Is competitively priced
- Makes plans simple to operate and maintain
- Offers a full complement of American Funds investments
- Provides customized plan administration from a third-party administrator (TPA)
GOLD MEDAL WINNER
GOLD MEDAL WINNER
Save your clients money
Our strategic approach to plan pricing is designed to be low-cost and to provide better overall value.
A closer look at RecordkeeperDirect’s pricing
Step 1: Determine the annual recordkeeping fees based on plan assets and share class.
Step 2: Choose a share class to determine if the level of compensation meets the plan’s service requirements.
Build a stronger plan menu
Start with a target date provider “most recommended” by financial professionals.** Then distinguish yourself by offering a comprehensive selection of the American Funds.
American Funds Target Date Retirement Series®
From a provider “most recommended” by financial professionals.**
The American Funds mutual fund family
Offers a wide range of more than 40 funds.
Learn more about our target date series and individual mutual funds:
The American Funds Target Date Retirement Series and other highly regarded American Funds are also available on many other DC platforms‡‡.
†† Not all of the American Funds are available in our retirement plan solutions.
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Financial professional compensation
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Share class pricing and details
Get information on a wide choice of share and unit classes.
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Trust a proven leader
We strive to provide superior plan services and support — which can help make your job easier and your practice more effective.
A retirement plan solution that can benefit you and your clients.
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Financial professional benefits
Personalized sales support
Get personalized sales support to build your retirement plan business
- An experienced sales team, comprising specialists who’ve taken the time to understand your business needs, can help you win and retain more plans.
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Plan sponsor benefits
Reliable ongoing service
Rely on ongoing service to help retain satisfied clients
- A knowledgeable in-house support service team addresses and resolves issues quickly.
- For help selecting and monitoring investments, sponsors can use a fiduciary services provider of their choice; in addition to others, we facilitate access to services from an independent third party, Wilshire Associates Incorporated (Wilshire®)§.
- Learn more about the online features that will help plan sponsors manage their plans on the plan sponsor demo site.
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Participant benefits
Help improve participant outcomes
Help improve participant outcomes with enrollment and education support
- Educational materials can help participants understand the fundamentals of investing and retirement planning.
- A financial checkup brochure can help participants assess and improve their retirement savings plan.
- Learn about the online tools and resources available to plan participants on the participant website demo and participant mobile app demo.
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For help selecting and monitoring investments, sponsors can use a fiduciary services provider of their choice; in addition to others, we facilitate access to services from Wilshire Associates Incorporated (Wilshire®)§.
What’s next
Order a retirement plan proposal
Order a retirement plan proposal for RecordkeeperDirect.
* There is a one-time RecordkeeperDirect plan installation fee of $500 for startup plans; waived for R-2 only if plan assets reach $100,000 as of the last day of the plan’s first recordkeeping quarter. No charge for takeover plans. The $20 per-participant fee will be deducted from participant accounts.
† Average expense ratios shown are provided only as examples. The actual average expense ratio depends on the investments selected for the plan and participant allocations. Expense ratios reflect applicable fee waivers and expense reimbursements, without which expenses would be higher.
‡ The average expense ratio shown for each RecordkeeperDirect share class is for all funded investments and is weighted, based on average daily net assets in the program as of 12/31/2021. Accordingly, more weight is given to funds with more assets. Actual expense ratios, as reported in each fund's prospectus available at the time of publication, range from 1.15% to 1.94% for R-2; 0.84% to 1.49% for R-3; 0.56 to 1.20% for R-4; 0.36% to 1.00% for R-5E; and 0.21% to 0.84% for R-6.
** Source: Escalent, Cogent Syndicated, Retirement Plan Advisor TrendsTM, September 2021. Methodology: 682 respondents participated in a web survey conducted August 18 to August 25, 2021. The respondents consisted of financial advisors managing defined contribution (DC) plans. American Funds was the most recommended provider for the total of all respondents who use target date funds. Learn more at escalent.co.
‡‡ Check with your home office for details.
§ Wilshire’s recommendations are subject to any generally applicable limitation on the investment options available, including limitations imposed by the plan’s recordkeeper or financial professional. Plans that elect target-date mapping at plan conversion may only choose coverage under the 3(21) Select List. Wilshire® is a registered service mark of Wilshire Associates Incorporated, Santa Monica, California. All other trade names, trademarks and/ or service marks are the property of their respective holders. Wilshire is not an affiliate of any member company of American Funds. Wilshire is solely responsible for the program material and its investment recommendations. The complete terms and limitations of Wilshire’s 3(21) Investment Adviser and 3(38) Investment Manager programs may be found in the applicable agreement between the plan sponsor and Wilshire.
Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.
Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing.
Although the target date portfolios are managed for investors on a projected retirement date time frame, the allocation strategy does not guarantee that investors' retirement goals will be met. Investment professionals manage the portfolio, moving it from a more growth-oriented strategy to a more income-oriented focus as the target date gets closer. The target date is the year that corresponds roughly to the year in which an investor is assumed to retire and begin taking withdrawals. Investment professionals continue to manage each portfolio for approximately 30 years after it reaches its target date.
All Capital Group trademarks mentioned are owned by The Capital Group Companies, Inc., an affiliated company or fund. All other company and product names mentioned are the property of their respective companies.
Use of this website is intended for U.S. residents only. Use of this website and materials is also subject to approval by your home office.
American Funds Distributors, Inc., member FINRA.
This content, developed by Capital Group, home of American Funds, should not be used as a primary basis for investment decisions and is not intended to serve as impartial investment or fiduciary advice.