I don't have anything to do with the plan (just keeping my head up about how the business runs :) ), but from the FAQ (http://www.employeefiduciary.com/401k-faq

I don't have anything to do with the plan (just keeping my head up about how the business runs :) ), but from the FAQ (http://www.employeefiduciary.com/401k-faq/ http://www.employeefiduciary.com/401k-faq/) it looks like they use a third party (MG Trust) for custodial services, paying them out of the asset based fee they already charge. Nearly certain that the recordkeeping is included (we're using it anyways), so the fees listed may in fact cover everything.