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A Pooled Employer Plan designed by

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401(k) Pricing Estimate
Complete the form below for a quick estimate.
 You can also call us directly
at 866-676-6002

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Stronger Together
Unity 401(k) Plan leverages economies of scale to offer superior service at lower cost. 

  • Pricing from the scale of a large plan often saving up to 50%

  • Each new participant adds to the pricing power we leverage for you 

  • Low cost Investment line up 

  • Flat fees for Recordkeeping/Administration, and Advisor Service fees offered at scale

  • No conflicts of interest 

Safer Together
Unity 401(k) Plan offers a Fiduciary Umbrella where the Advisor and Pooled Plan Provider accept the majority of Fiduciary responsibility to protect employers.
  • ERISA 402(a) Fiduciary – transfers liability from Employer to the Pooled Plan Provider 

  • ERISA 3(38) Fiduciary Advisor – removes Employer liability for investment selection and monitoring; creates and maintain Investment Policy Statement 

  • ERISA 3(16) Fiduciary Administrator – removes Employer liability for plan administration  

  • Eliminates Annual Form 5500 filings at individual plan level – no Employer signature required 

  • Eliminates both Trustee Responsibility and Fidelity Bond requirement for Employers

  • Employers only major responsibility is sending plan contributions in a timely manner and periodically monitoring the outside fiduciaries’ level of service and fees.  

Smarter Together
Unity 401(k) Plan makes your life easier by transferring the majority of your plan responsibilities to Providers, and removes the associated costs.
  • Employee education meetings segregated by various phases in each participant’s life 

  • Consistent benchmarking on the important aspects of the plan 

  • Audits no longer required at individual plan level 

  • Eliminates review and approval of all Plan withdrawals/QDROs by Employer

  • Eliminates participant disclosure distribution by Employer

  • Substantial Employer time freed up for other company needs 

About PEP
A Fiduciary Advisor should be independent and transparent, and offer competitive pricing. With these principles in mind, we've created the Unity 401(k) Plan.
The Unity 401(k) Plan is a Pooled Employer Plan as defined in the SECURE Act and will be available in 2021.
  • Who is NS Capital LLC?
    NS Capital is a Registered Investment Advisor (RIA) currently operating out of Stamford, CT and Sarasota, FL. All professional investment advisory firms are required to register with the US Securities and Exchange Commission (SEC) and/or the State(s) in which the firm conducts business. RIAs are different from brokerage firms, banks, and insurance companies in that they are governed by the Investment Advisors Act of 1940 which requires a higher level of fiduciary responsibility than these firms which are held only to suitability, not fiduciary, standards.
  • How is NS Capital different?
    NS Capital is distinguished by its portfolio structure, asset management quality, unbiased manager selection process, transparency and pricing.
  • How does NS Capital make money?
    NS Capital is a Fee-Only RIA, which aligns our financial interests directly with the interests of our clients. We believe that for our target market, our fees are among the most competitive in the industry. We achieve this by passing on the many cost benefits derived from eliminating middle men and leveraging the scale our organization creates. Furthermore, we accept no commissions or 12b-1 fees, and have no conflicts of interest of any kind, evidenced by the fact that all fees and costs are “fully transparent”.
  • Why are fees so important?
    Simply stated, every $1 paid in fees is a $1 less in your investment return, and more importantly, $1 less that is compounding over time. During the Bull Market after the financial crisis, everyone benefited from outsized equity returns that were well above the industry averages. If you were receiving 20% returns, paying 2% to 3% in fees didn’t seem too bad. But when things revert to the mean, fees can take a huge bite out of returns. The question every investor has to ask themselves going forward is -- Am I receiving value for the fees I’m paying? Going forward, whether or not you are receiving value for the fees you’re paying could be the most critical component of your investment returns.
  • How do I know my assets are safe?
    Our client's assets are held by third party custodians. The SEC requires that custodians be audited on a yearly basis by independent auditors. SIPC Protection TD Ameritrade, Inc. is a member of the Securities Investor Protection Corporation (SIPC). Securities in your account are protected up to $500,000. For details, please see TD Ameritrade also provides $149.5 million worth of protection for each client through supplemental coverage provided by London insurers. The $149.5 million of coverage includes a sub-limit of $900,000 on cash. Each client is limited to a combined return of $150 million from SIPC or London insurers. The TD Ameritrade supplemental insurance policy has an aggregate limit of $500 million for claims from all TD Ameritrade clients. This supplemental insurance provides coverage following brokerage insolvency and does not protect against loss in market value of the securities. If you have any questions, call your advisor or TD Ameritrade Institutional at 800-431-3500. To learn more about SIPC coverage, go to For more information about FDIC deposit insurance, visit FDIC insurance Certificates of Deposit (CDs) purchased through TD Ameritrade are issued by banks insured by the Federal Deposit Insurance Corporation (FDIC). In addition, cash in your account can be held in a TD Ameritrade FDIC Insured Deposit Account (IDA). Balances in an IDA are held at TD Bank, N.A. and/or TD Bank USA, N.A., where they are insured by the FDIC against bank failure for up to $250,000 per depositor, per bank. TD Bank, N.A. and TD Bank USA, N.A. are affiliates of TD Ameritrade. Each bank will have separate FDIC coverage of up to $250,000 per depositor for up to $500,000 total per IDA depositor. Additionally, NS Capital carries Errors and Omissions insurance and our partner MJM401k carries a separate Fidelity Bond for retirement accounts and pension funds.
  • Does anyone at NS Capital have access to my money?
    No one at NS Capital has access to the money in your account. We have a limited power of attorney to do only three things: 1) supervise and make trades in client portfolios with discretionary authority, 2) request that TD Ameritrade Institutional send a check to a client or to the client’s bank and 3) be paid a mutually-agreed upon quarterly fee from the account. We have no other access or authority.
  • Is my personal and financial information secure?
    You can be confident about the safeguards we employ to protect your personal privacy. We hold all the information you share with us in the strictest confidence, and we run the latest security encryption methods and firewalls to protect computer data.
  • What is your minimum account size?
    We have no set minimums. We serve a wide range of clients from milennial investors just starting out, to wealthy families and endowments.
  • What are your advisory fees?
    NS Capital’s fees include advisory services, independent manager research, selection and monitoring, asset management, portfolio accounting and reporting, independent reconciliation and verification of accounts and administration. Our total advisory fees range from 0.15% to 1.00% depending on the NS Capital Portfolio employed.
  • Are there any other costs?
    Yes, there are trading costs paid directly to TD Ameritrade Institutional who is the institutional broker-dealer that maintains custody of our client accounts. TD Ameritrade Institutional is paid a commission for transactions conducted in the accounts based on the type and frequency of the securities bought and sold. That said, NS Portfolio strategies are generally low turn-over so you can expect these costs to be modest. Neither NS Capital nor any of the money managers we employ receive any compensation from trading commissions. There are no incentives to trade in an account other than to keep a portfolio in line with its investment strategy.
  • What reports do I receive?
    You will receive a monthly individual account statement from TD Ameritrade Institutional, a year-end summary statement, consolidated 1099 tax forms and Form 5498 IRA contribution information. In addition, NS Capital produces a quarterly Performance Report which is available by email.
  • How can I learn more about NS Capital?
    Just give us a call, 866-676-6002. One of our Investment Advisers will gladly spend some time to learn more about your unique situation.
  • What would be my first step?
    For individuals the first step in our process is a Portfolio X-Ray, our proprietary analytical tool which looks at the structure of your portfolio. This analysis will help you to evaluate both the holdings and the structure of your current portfolio. One of the goals is to determine if the fees you’re paying are commensurate to the value you’re receiving by having your assets managed. There is no cost or obligation of any kind to complete the analysis. For 401(k) Sponsors the first step in our process is a 401(k) X-Ray, our independent benchmark analysis of your plan design, fees, investments, and services - intendend to aid in fiduciary decision making. There is no cost or obligation of any kind to complete the analysis.
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