Saturna Trust Company:

Traditional 401(k)

Employees can contribute from their salaries. Employers may also match those contributions. Highly customizable with many add-on features.

Bundled, customizable plan services

Wide range of investment choices

Web-based employer and employee portal

A Traditional 401(k) allows employees to contribute a portion of their wages to individual tax-deferred accounts. Employers may also make matching contributions on a predetermined amount of the employee contribution and may contribute additional amounts beyond that if they wish. These plans are highly customizable, with many add-on features that allow for greater control over items such as when employees can join the plan, how often they can join, whether they can take loans, and when distributions from the plan are allowed.

The Saturna Trust Company 401(k) plan is a full-service arrangement. Our plans save our clients the costs associated with outside service providers because Saturna’s staff handles everything from recordkeeping to investment management to marketing and education. Full-service arrangements eliminate the need for employers to deal with and monitor multiple service providers. This eases the employer’s burden of considering potential conflicts of interest that may arise when using multiple providers.

We offer 401(k) plans a selection of Saturna Capital no-load mutual funds, as well as an extensive menu of unaffiliated mutual funds, with a variety of investment objectives, through our open architecture platform. Employers select their investment menu, and by investing in more than one fund, employees can tailor their 401(k) accounts to fit their own risk and return objectives.

Plan Details


Eligibility requirements and plan entry dates are customizable by the employer. The employer may choose to have no eligibility requirements or can specify a minimum age and/or a period of service. In general, the most restrictive the plan can be is to exclude employees that are under 21 years old and have worked less than 1,000 hours in the previous 12-month period.


Employer Contribution Requirements

Employer contribution is optional but not required.

Features and Services
  • Prototype plan/standardized adoption agreement
  • Assistance with customizing plan investment menu
  • Trust agreement
  • Summary plan description
  • Enrollment meeting
  • Processing of contributions, distributions, loans, hardship withdrawals, vesting, and investment selections
  • Daily valuation of plan assets
  • Annual non-discrimination and compliance testing
  • Preparation of Forms 1099-R and 5500
  • Affiliated low-cost Saturna mutual funds
  • Open fund menu platform permits a wide selection of no-commission fund shares
  • Employee online tools
  • Education and support
  • Online statements and account management

Total annual fee

  • 0.44%-0.88%

Rollover/transfer fee

  • $60 (if transferring away from Saturna)

Loan Initiation/Maintenance Fee

  • $60 initiation fee, plus a quarterly loan fee of $15 ($60 annually) is charged only to those participants who have an outstanding loan

De Minimus Fee

  • Financial services firms may charge enrollees a de minimis fee for new and/or low balance accounts in amounts negotiated and agreed upon by Commerce ($): $0
Inactive/Dormant Accounts

Leave the account in the plan, request a distribution or roll it over to a new plan.

Investment Options

This plan uses broad categories of investment options; each category contains specific funds. Click on the ‘ticker’ symbol to see the financial performance for that fund. If you choose this retirement plan, the plan provider will help you understand your investment options.


Minimum Account Balance


Minimum Account Contribution

$0, 0%


IRS Penalties may apply for late tax form filings and early employee withdrawals.


401(k) Accounts can be transferred to other eligible qualified plans or IRAs.

Withdrawals and Loans

Withdrawals and Loans are allowed (restrictions may apply).


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The Small Business Retirement Marketplace is administered by the Washington Department of Commerce as established in RCW Chapter 43.330.730-750. Plans carried on the Retirement Marketplace are verified by the Department of Financial Institutions and/or the Office of the Insurance Commissioner to meet the requirements set forth in RCW 43.330.732(7) and 735(6)(a).

Enrollment in plans on the Retirement Marketplace is voluntary. Plan enrollment is managed by private financial services firms. Saving through certain plans will not be appropriate for all individuals. Employer facilitation of most retirement savings plans carries certain legal obligations for which employers are entirely responsible. Contributing to a retirement savings plan may offer tax benefits and/or consequences. Other private sector plans not offered on the Retirement Marketplace may charge lower fees. Consult your tax or financial adviser with questions related to investments.

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