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Independent Retirement — Partner Pricing

Custom-quoted plan administration for your clients.

Every plan is different, so every quote is custom. We price each plan based on participant count, plan type, and service tier — then work directly with your client while keeping you in the loop.

Flat-fee billing to employers No channel conflict with your advisory practice Dedicated partner contact CEFEX Certified CEFEX Certified

Choose the right level of service for each client.

You know your client's business better than anyone. Pick the tier that fits — from compliance-only to full plan administration — and we'll quote it.

Starter

Core compliance and administration
Custom quoted
Starting at $132/mo
  • 1:1 guided implementation
  • Assigned client success manager
  • Annual compliance testing
  • Form 5500 signature-ready
  • Contribution calculations
  • IRS/DOL audit support & representation
  • Email & phone support
Request Quote
Most Popular

Professional

Full-service plan design and flexibility
Custom quoted
Starting at $170/mo
  • Everything in Starter, plus:
  • Plan documents & amendments
  • Flexible plan design & custom eligibility
  • Tax credit filing assistance
  • Annual plan design review
  • On-demand HR service
Request Quote

Premier

Full fiduciary oversight and HR support
Custom quoted
Custom pricing
  • Everything in Professional, plus:
  • 3(16) administrative fiduciary
  • Employee handbook update & maintenance
  • Satisfaction guarantee
Request Quote
We work with any recordkeeper. Voya Financial, Empower, Fidelity, John Hancock, Principal, American Funds, and more. You and your client choose the platform — we handle the administration regardless. Recordkeeping fees are separate and quoted transparently.

Compare what's included

Every tier includes a 1:1 guided implementation and an assigned client success manager. Here's the full breakdown.

Starter Professional Premier
Core Administration10 features
1:1 guided implementation✓✓✓
Assigned client success manager✓✓✓
Plan documents & amendments—✓✓
Annual compliance testing (ADP/ACP, top-heavy, coverage)✓✓✓
Form 5500 signature-ready✓✓✓
TPA participant notices✓✓✓
Contribution calculations✓✓✓
Ongoing recordkeeper coordination✓✓✓
Recordkeeper platform selection & vetting✓✓✓
Participant withdrawals✓✓✓
Fiduciary & Compliance5 features
3(16) administrative fiduciary——✓
Discretionary plan corrections✓✓✓
IRS/DOL audit support✓✓✓
IRS representation✓✓✓
Tax credit filing assistance—✓✓
Plan Design & Flexibility6 features
Flexible plan design (auto-enroll, safe harbor, profit sharing)—✓✓
Safe harbor plan options✓✓✓
Custom eligibility criteria—✓✓
Flexible vesting schedules—✓✓
Discretionary contribution formulas—✓✓
Student loan retirement match—✓✓
Service & Support5 features
Email support✓✓✓
Phone support✓✓✓
Payroll integration management✓✓✓
Annual plan design review—✓✓
Satisfaction guarantee✓✓✓
HR2 features
On-demand HR service—✓✓
Employee handbook update & maintenance——✓

How to get started

Three steps. No paperwork upfront. We guide you through everything.

1

Share plan characteristics

Tell us about the plan — participant count, plan type, current recordkeeper, and any specific needs. A quick call or email is all we need to put together a quote.

2

We quote the plan

We price each plan individually based on what it actually needs. Your client gets a custom flat-fee quote — predictable and transparent.

3

Get started

Once your client is ready, we handle the transition and begin administration. We work directly with the employer while keeping you in the loop through your dedicated partner contact.

Schedule a Partner Call

Why advisors and CPAs choose Independent Retirement

✓

Zero channel conflict — we never compete with your practice

We're a TPA, not an investment advisor. Your client relationships stay yours.

✓

Speed that makes you look good

Compliance testing, amendments, and 5500s in days — not weeks. When you need something for a client meeting, we get it done.

✓

Flat-fee pricing your clients can understand

Your client pays a predictable flat fee that doesn't balloon as plan assets grow. Your advisory fee stays clean.

✓

One contact who knows your plans

No call centers, no ticket queues. Your dedicated partner contact knows every plan you've referred and your preferences.

SECURE 2.0

Show Your Clients Their Tax Credits

Many of your clients don't realize how much they can save. Run the numbers here, then share the results in your next meeting. SECURE 2.0 credits can offset plan costs for up to five years.

$16,500

Estimated 5-year tax credit potential

Estimate your client's savings

Plans older than 5 years may not qualify. But the client may still be eligible for a $500 auto-enrollment credit.

Includes match and any profit-sharing. Credit is capped at $1,000 per eligible employee.

$1,000

Federal + state combined. Used to show pre-tax income equivalent.

25%

Your client's plan goes live in 30 days.

Once we have a signed agreement, we handle the heavy lifting. Your client spends less than 3 hours on their end during onboarding.

30
Days typical onboarding
<3 hrs
Your client's time required
1
Dedicated point of contact
Onboarding timeline Inde handles We do together Client provides
1

We learn about the business, existing plan structure (if any), and design goals. The employer makes a handful of key decisions — we document everything.

Together 30-min kickoff call with you and your client
Client Provide census data — employee names, dates, compensation
IR Draft plan design summary for review
IR Coordinate with your client's recordkeeper
2

We draft the IRS-compliant plan document based on the agreed design. No action needed from you or your client during this phase.

IR Draft adoption agreement and plan document
IR Coordinate with recordkeeper on plan setup
IR Prepare participant enrollment materials
3

Your client reviews and signs the plan documents. We walk them through anything that needs attention — typically under an hour.

IR Send documents with plain-language summary
Client Review and execute plan documents (~45 min)
IR File with recordkeeper and confirm activation
4

Participants receive enrollment invitations. Payroll contributions begin on the next cycle. From this point, we work directly with the employer and keep you informed.

IR Distribute participant enrollment notices
IR Confirm first contribution cycle with payroll
Client Introduce plan to employees (we provide a template)
What People Say

Real results, real reviews.

★★★★★
5 average from client reviews
★★★★★

"I’ve worked with Independent Retirement for three years, and they’ve been an invaluable partner—not just in servicing plans, but in growing my business. Their team is proactive, responsive, and always willing to collaborate on prospecting opportunities. Whether it’s helping with plan design discussions, attending finalist meetings, or providing compliance expertise, they add real value that helps us win and retain clients. They don’t just handle the technical side—they’re invested in our success. If you’re looking for a TPA that’s more than a service provider but a true business development partner, I can’t recommend them enough."

Clay Cooper, CFP
Wealth Management Advisor and Partner at Clearview Financial Partners
★★★★★

"I’ve worked with Independent Retirement for years, and they’ve been a rock-solid partner every step of the way. Their team is incredibly responsive—when a client has a question or a challenge, they jump in with clear, practical solutions. Their deep expertise in ERISA and compliance helps our clients stay on track and avoid issues. But what really sets them apart is their partnership mindset—they’re not just a vendor; they’re a true extension of our team. If you need a TPA that delivers both service and strategy, I highly recommend them."

Charles Warren, AIF
Senior Plan Consultant at Multnomah Group, Inc.
★★★★★

"After working with Independent Retirement for over a decade, I can confidently say they are the most reliable, responsive, and knowledgeable TPA I’ve ever partnered with. The trust we’ve built over the years comes from their unmatched support—when a client issue arises, their team responds faster and with more clarity than anyone else in the industry. Having a dedicated sales consultant has been a game-changer, ensuring we always have direct access to strategic guidance and plan solutions. Their commitment to service and expertise gives me confidence that my clients are in the best hands, every time."

Zack Blalack
Financial Adviser and Managing Partner at Falcon Ridge Wealth Management

Common questions

Every plan is custom-quoted based on participant count, plan type, and service tier. We don't publish partner rates — each plan gets its own flat-fee quote tailored to what it actually needs. Schedule a call and we'll walk through it.
Independent Retirement works directly with the employer on plan administration — compliance testing, 5500 filings, participant notices, and day-to-day questions. You stay in the loop through your dedicated partner contact, who keeps you informed on deadlines, testing results, and anything your client needs to know.
Yes — and they should. The employer pricing page has a calculator that shows them what a plan would cost at published rates. When you refer a client to us, we quote the plan directly and the pricing is customized to their situation.
No. Employers pay a flat annual fee based on service tier and participant count — not plan assets. Your client's cost stays predictable as balances grow, and your advisory fee stays clean.
All major platforms — Voya Financial, Empower, Fidelity, John Hancock, Principal, American Funds, and more. We're independent and never push a specific recordkeeper. You and your client choose the platform that fits.
Most inquiries to your dedicated partner contact are responded to within 4 hours. If you need something for a client meeting or a year-end deadline, we prioritize it. Your dedicated partner contact means you're never waiting in a queue.

Ready to partner with us?

30 Minutes No Commitment Volume Discounts
Request a Quote
Or view employer pricing →