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Background Information |
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Location |
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Denver, CO |
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Canyon, TX |
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Oak Brook, IL |
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Institution web site
(for information about provider) |
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Visit Website |
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Visit Website |
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Visit Website |
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Plan Sponsor Fees |
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Fees paid by plan sponsor to IRA provider |
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None |
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None |
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None |
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Account Holder Fees |
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Initial investment |
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Integrity IRA Stable Value |
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FDIC Insured Interest Bearing Demand Deposit Account |
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FDIC Insured Interest Bearing Demand Account |
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Initial enrollment fee |
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None |
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None |
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None |
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Annual fee |
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$45 |
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$20 |
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$35 |
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Account termination fee |
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$25 per distribution |
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$25 per distribution |
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$25 |
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Early withdrawal fee (prior to age 59½) |
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None |
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None |
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None |
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Alternate fund trading fees |
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No trading fees |
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$25 per trade plus brokerage commissions |
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Transaction Fees
(Applicable only to accounts investing in mutual funds, stocks, bonds, etc.)
Investment Transaction Charge
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Mutual Funds:
No-Transaction Fee Funds - No charge on-line or $25 phone order
Transaction Fee Funds - $15 on-line or $25 phone order |
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Publicly-Traded Securities (i.e. Stocks, ETFs):
$15 on-line or $25 phone order
plus brokerage commission: ($8 min.)
1-1000 shares -$0.020/share
1001-5000 shares -$0.015/share
5001+ shares -$0.010/share |
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Certificates of Deposit (CD) and Bonds:
No charge for on-line or $50 phone order
CD renewal fee no charge for on-line or $25 phone order |
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Additional services available to account holders |
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Call center representatives are available for general account guidance. Accountholders can also get personalized investment advice or enroll in a managed account solution through Morningstar® Retirement ManagerSM. |
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Comprehensive financial wellness and investment resources, including a broad lineup of IRA investment options and emergency savings fund. |
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Other fees |
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Periodic distribution: $8 |
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Paper-Based Service Requests:
$5 per quarter |
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Stop Payment: $25 |
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Reissue Check: $15 |
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Converting Traditional IRA to Roth IRA: $30 |
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Corrected 1099R (not due to processing error): $50 |
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Lost Participant Search: $10 |
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Lost Beneficiary Search: $105 |
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Escheatment to the State: $125 |
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Partial transfer of cash fee: $25 |
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Wire fee: $25 |
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Overnight fee: $25 |
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Paper Statements (if requested or web access not elected) - $10 per year |
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Exception Processing
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Death distributions - $25 per |
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Divorce decrees - $25 |
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Searches (third and subsequent annual) - $10 per |
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Separate fee for Roth rollover balances? |
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Same |
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None |
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None |
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Does SS&C earn fees for services to the IRA Provider? |
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Yes, SS&C earns fees directly from Integrity IRA. For specific information on the fees SS&C earns for services, please contact John L Geli, the SS&C Relationship Manager at [email protected]. |
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Yes, SS&C earns fees directly from Gold Star Trust Company. For specific information on the fees SS&C earns for services, please contact John L Geli, the SS&C Relationship Manager at [email protected]. |
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Yes, SS&C earns fees directly from Inspira Financial. For specific information on the fees SS&C earns for services, please contact John L Geli, the SS&C Relationship Manager at [email protected]. |
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Fees earned by T. Rowe Price for services to SS&C or IRA provider |
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$0 |
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$0 |
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$0 |
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Investment yields as of 1/1/2025 |
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4.58% |
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1.13% |
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0.47% |
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Last yield update |
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Q1 2025 |
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Q4 2022 |
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Q4 2024 |
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Access to other investment options if account holder wants to trade |
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Yes |
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Yes |
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Yes |
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Investment alternatives |
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Institutional share class index mutual funds |
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Stocks, bonds and mutual funds, alternative investments |
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Stocks, bonds, CDs, mutual funds, alternative investments |
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Customer Service |
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Call center |
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Yes (855) 610-5686 [email protected]
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Yes
(800) 486-6888 |
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Yes
(877) 682-4727 |
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Customer web site |
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Visit Website |
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Visit Website |
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Visit Website |
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Communications sent to account holders |
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Initial
Welcome Kit
Ongoing
Quarterly account statements, tax reporting |
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Initial
Welcome Kit
Ongoing
Semi-annual account statements and tax reporting are mailed to participants when a valid address is on file. |
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Initial
Welcome Kit
Ongoing
Annual statements and tax reporting |
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Frequency of new account holder searches |
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Minimum of one search per year through the life of the account (lost only). |
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An initial search of the USPS National Change of Address (NCOA) database is performed at the time the account is opened. An additional search through LexisNexis is completed annually. |
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Search performed initially when a participant is deemed missing, at six months and every year until location efforts have been successful.
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On-line distribution processing |
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Yes |
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Yes |
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Yes |
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Will you accept distributions of less than $1,000? |
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Yes |
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Yes |
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Yes |
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Will you accept missing participants? |
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Yes |
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Yes |
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Yes |
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Are account holders with foreign addresses accepted? |
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No |
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No |
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No |
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Will you accept distributions from accounts outside of T. Rowe Price besides the recordkeeper source (e.g., when T. Rowe Price recordkeeps a DC plan, but DB plan is administered internally)? |
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Yes |
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Yes |
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Yes |
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Time frame to establish an IRA post data file received |
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Within 24 hours |
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Within 24 hours |
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Within 24 hours |
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