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Your 403(b) Could Be Costing Your Employees

More than half of all 403(b) plans are on an annuity platform, which is an outdated system that could be charging participants higher fees. By offering a retirement plan for your team that avoids high fees and offers meaningful support, you can help them save thousands of dollars more over time. Download our free guide to learn:

The difference between an annuity 403(b) and non-annuity 403(b)
Top 3 reasons why annuity 403(b) plans can be problematic for employees
The impact a non-annuity 403(b) can have on employee outcomes

Additional Resources

Learn More About Non-Profit Retirement Plans

Article

401(k) vs. 403(b) Plans for Non-Profits

Read this article to get answers to frequently asked questions around the differences between 403(b) and 401(k) plans for non-profits.

Video

Is Your 403(b) Costing Your Employees Big?

If your 403(b) is on an annuity platform then it could be costing your employees big time. Watch this short video from a non-profit retirement plan specialists to learn more about 403(b) plans.

Watch Video

Case Study

How employees benefit from non-annuity 403(b) plans

See how a plan participant can benefit when a non-profit organization moves from an annuity based retirement plan to a non- annuity based 403(b) solution.

Read Case Study

Audio	Visual
Upbeat music	Is Your 403(b) Costing Your Employees Big? Fisher Investments®
The volume of the music is reduced. Male Voice: "My name is David Bui, I am a Senior Business Development Executive at Fisher Investments, which means I spend a lot of time working with 403(b) plans. "	A man dressed in a navy blazer speaks to the camera. A flyout in the lower left corner identifies him as David Bui, Senior Business Development Executive
"One of the biggest pain points we come across with 403(b) plans is that many of them are on an annuity platform that costs the employees big time." "An annuity platform means the 403(b) plan is provided by an insurance carrier, and is invested in annuity products."	The flyout disappears. The camera remains focused on David as he speaks, gesturing occasionally.
" This can be problematic for employees for three reasons: Investments, Fees, Service."	A green flyout appears from the lower left with the following text: "Investments, Fees, and Service" The flyout remains on-screen for a few moments before sliding back out.
"First, the investments on an annuity platform tend to be insurance-based. This translates to commissions for the advisor, higher fees, and often, lower overall performance."	A green flyout appears from the lower left with the following text: "1. Investments" The flyout remains on-screen for a few moments before sliding back out.
"Next, the fees tend to be higher on an annuity platform because of the commission and insurance." "The fees can also be more difficult to calculate because of the confusing commissions."	A green flyout appears from the lower left with the following text: "2. Fees" The flyout remains on-screen for a few moments before sliding back out.
"Lastly, service & support on an annuity platform tend to be lower. This is due to two reasons:" "The first: Annuity advisors don't typically act as a fiduciary. This means they aren't required to act in your best interest." "The second: Annuity advisors rarely provide any support or education to the participants in the 403(b) plan."	A green flyout appears from the lower left with the following text: "3. Service and Support" The flyout remains on-screen for a few moments before sliding back out.
"More than half of all 403(b) plans are on an annuity platform today. The good news is, it's pretty easy to fix!" "A specialized advisor–like Fisher Investments–can provide a non-annuity platform for your 403(b) plan. This means high quality investments, reasonable & transparent fees, and robust participant support." "This can help set your employees up for the retirement they deserve."	The camera remains focused on David as he continues to speak, gesturing occasionally.
The volume of the upbeat music increases.	White slides over the screen covering it. Fisher Investment 401(k) Solutions logo fades on to the screen.
The music continues to play.	Fisher Investments 401(k) Solutions. © 2022 Fisher Investments. Investing in securities involves the risk of loss. Intended for use by employers and their consultants, considering or sponsoring retirement plans; not for personal use by plan participants.
The music fades out.	The screen fades to black.