The NADART Value Proposition is simple. We offer high level service at a low cost. Invariably, we have found that an apples-to-apples comparison will show our fees to be the lowest among all providers. 

Many retirement plan providers quote artificially low explicit fees (those basic administrative and participant fees charged directly to the plan sponsor or participating employee) as a marketing ploy. What is seldom discussed and often disclosed only in the fine print is that these low direct fees are more than offset by charges made to the plan's assets - so-called asset-based fees. The terminology that applies to these asset-based fees varies by retirement plan provider.

• Insurance companies using a group annuity as a plan-funding vehicle many make a "wrap" charge on the plan's assets. These charges, often exceeding 100 basis points (1.0%) are made in addition to the expense ratio charged by the underlying fund's manager to cover costs associated with managing the underlying fund.
• A group annuity contract can subject the plan's assets to a back-load or surrender charge should you choose to discontinue the contract prior to its being in force for a specified number of years.
• Wrap charges used by brokers and registered investment advisors and can also range to levels exceeding 100 basis points (1.0%). 
• A "special" share class of a mutual fund may be offered for use in retirement plans. That "special" share class frequently has an expense ratio that is significantly higher than applicable institutional fund shares.