Fidelity is the largest US 401(k) recordkeeper by participant count. RMO 401(k) offers individual, solo, and small-business plans with low expense ratios and member-rate program pricing. Here’s how they compare.
Both serve all 401(k) sizes. Scale, fund lineup, and pricing model differ.
401(k) total cost includes plan-level admin fees plus underlying fund expense ratios. Compare both layers honestly.
RMO 401(k) vs. Fidelity on plan types, fund lineup, and total cost.
| Feature | RMO 401(k) Retirement | Fidelity |
|---|---|---|
| Individual rollover IRA | Yes | Yes |
| Solo 401(k) | Yes | Yes |
| Small-business 401(k) | Yes | Yes |
| Plan admin fees | Member-rate | Tier-dependent |
| Index fund expense ratios | Low — access to broad-market index | Very low — Fidelity Zero funds at 0% |
| Target-date funds | Yes | Yes — Fidelity Freedom funds |
| Self-directed brokerage | Available | Yes — full brokerage |
| Advisor support | Member access to RMO Investments | Fidelity advisors available |
| Bundled with banking | Yes — via RMO membership | Fidelity cash management |
| Mobile app | MyRMO + RMO Investments | Fidelity |
401(k) costs include both plan-level admin and underlying fund expenses. Total cost may differ meaningfully from headline fund expense ratios.
Fidelity’s scale gives it some of the lowest fund expense ratios in the industry (including 0% zero-expense funds). RMO 401(k) wins when member-rate program pricing combined with the broader RMO ecosystem matters.
Individual rollover, solo 401(k), or small-business 401(k) plan — pick what fits.
Online enrollment, choose your contribution rate and asset allocation.
Track balances, change allocations, and view performance from one dashboard.
RMO 401(k) offers low-cost index fund options. Fidelity’s 0% Zero funds are unique among major recordkeepers. For investors prioritizing absolute lowest underlying expense, that’s a real Fidelity advantage.
Yes — rollover from any qualified plan is supported. We coordinate the rollover with your existing custodian.
Both offer solo 401(k). Fidelity’s low underlying fund expense matters at scale. RMO’s integrated banking + ecosystem matters if you already use RMO for other products.
RMO 401(k) handles small-business plan setup, recordkeeping, and compliance. Fidelity does too at varying tier pricing — compare total cost including admin fees.
Yes — many investors split retirement and brokerage across custodians. No requirement to consolidate.
Guides, plans, and more RMO comparisons to help you decide with confidence.
Low expense ratios, managed-portfolio options, and small-business plan administration. Member-rate program pricing.
