• Revenue sharing - 12(b)1 fees are credited back to plan sponsor to offset Third Party Administration or any other costs associated with running the plan. The typical 12(b)1 fee is approximately .25% of assets. As opposed to retaining the fees for the custodian and or broker, TD Trust credits the entire fee to the sponsor of the 401(k). 
  
• Universe of mutual funds are screened by Ramsdell Capital for performance, expense ratio and Morningstar rating.
  
• Exchange traded funds (ETFs) are available. These trade without commission on the platform, and provide an excellent low expense ratio alternative to mutual funds, with transparency and diverse selection of sectors and asset classes.
  
• Brokerage windows are available for unlimited trading of equities, fixed income securities, exchange traded funds and non-standard assets (NSAs).

Ramsdell Captial is a Registered Investment Adviser, and so held to a higher fiduciary standard than brokers of insurance professionals.

Ramsdell Capital utilizes no load mutual funds with low expense ratios, Exchange Traded Funds, and brokerage window for managed individual equity/fixed income.