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About Malvern
    Our Mission Statement
    Biographies
        Ted Benna
    Our Technologies and Partners
    History of the 401(k)
    Contact Us...

The Malvern^sm Advantage 401(k)
Solutions for the 100 Participant and Under Market

Unbiased Open Architecture (more than 4,000 funds) — State-Of-The-Art Technology — Full Service — Daily Valuation — Statements on Demand — Flexible Plan Design — Participant Access 24/7 — Online Transactions — Self-Directed Brokerage Accounts — Internet-Based — VRU — Flexible — Real-Time — Robust — Efficient — Accurate

Product Information

Malvern^sm Advantage 401(k) combines the services you need
Our People — Our Mission
Investment Options
Malvern^sm services in detail
Malvern^sm Advantage fees
The Malvern^sm Advantage

The Malvern^sm Advantage

The Malvern^sm Advantage provides the highest level of choice, efficiency, and accuracy today's technology can offer, including:

• Plan design flexibility that lets you design a plan that meets your needs
• Comprehensive services that are expected in today's market place
• Open investment structure with access to over 1,000 mutual funds providing you with choice and flexibility
• Fund performance support to your local Retirement Advisor and your plan participants
• On-line participant investment and account information 24/7
• On-site participiant education options
• Bringing you the next level of service

Malvern^sm Advantage is an efficient accumulator

Many plans that are offered to smaller employers impose asset-based "wrap" fees in addition to normal fund management fees. These "wrap" fees typically range from 50 to 250 basis points, or from .5% to 2.50% annually. These additional fees directly reduce the investment return credited to participant accounts. A 1% reduction will reduce the amount a participant accumulates by approximately 20% over thirty years. For example, instead of accumulating $120,000, a participant would accumulate only $100,000 because of these fees. Owners and other higher-paid employees are impacted the most by these additional charges because they typically make the largest contributions. In addition, many of these higher cost providers also impose deferred sales charges that penalize you when you leave them.

Selecting the plan investments

Your Retirement Advisor helps you select the specific funds that will be offered to participants. The Retirement Advisor usually is paid by the mutual funds directly for these services from 12(b)(1) fees. Such fees are a portion of the standard investment management fee that fund companies are permitted to pay for selling their funds. The Retirement Advisor may also provide other services such as investment educational support for participants. Each employer that uses a Retirement Advisor is responsible for establishing and managing this relationship including the specific services that will be provided.