Open Architecture, Low Fee 401(k) Plans at LT Trust
The less you pay in fees, the more you can save in your retirement account.
We aim to make saving for retirement as affordable as possible and make sure that all of the fees charged are fully transparent to employers and employees. All revenue sharing payments received from mutual funds are used to offset plan expenses.
LT Trusts’ low-fee, open architecture 401(k) platform is one of the best values in the industry.
When you sign on with LT Trust, you gain access to one of the most flexible open architecture 401(k) recordkeeping platforms on the market.
When we say low cost 401(k)s for all, we mean it.
Transparent Employer and Employee Statements
Sometimes, fees aren’t listed on statements, misleading employers and employees to believe they’re paying less than they are. LT Trust’s reporting lists all fees up front, so there’s never any confusion.
No Hidden “Wrap” Fees
Insurance companies may include a “wrap” fee in addition to the underlying mutual fund expense. With LT Trust, any and all fees are listed up-front, in the most transparent way possible.
True Open Architecture Keeps Fees Low
LT Trust provides access to almost 30,000 mutual funds and ETFs. Our true open architecture 401(k) platform lets you pick the funds you want with no impact on fees.
Our Low-Cost 401(k)s are all-encompassing
LT Trust never retains or receives revenue sharing from mutual funds, and the fees we charge up-front are all-inclusive. That means they cover everything from the cost of the investment to our superior customer service.
Open Architecture 401(k)s
Construct a high-quality 401(k) investment lineup by choosing the best funds for your clients from almost 30,000 mutual funds and ETFs — with no impact on fees.
We don’t offer proprietary products or variable annuities
No payments from fund companies for “shelf space”
No fee increases based on fund lineup
Self-directed brokerage accounts available
With our open architecture 401(k) platform, your investment lineup options are virtually limitless. We don’t offer proprietary products or variable annuities, so you’re left with the investment freedom to choose the funds that truly suit the needs of your 401(k) clients and give them the best chance of achieving retirement readiness.
Interested in diversifying your retirement assets?
LT Trust Can Help with a Self-Directed IRA
LT Trust is an IRA Custodian that offers Self Directed IRAs that allow you to invest in alternative investments.
Real Estate
Mortgages & Trust Deeds
Private Corporate Note
Private Placements (LLC, LPS)
Public Non-Exchanged Traded REITs
Tax Liens