Accuplan Benefits Services
Accuplan Benefits Services is a third-party administrator founded in 1985 that administers self-directed retirement accounts — including IRAs, HSAs, and 401(k) plans — for 10,000+ individual investors and small business owners, enabling investments in alternative assets like real estate, cryptocurrency, and private equity.
- Company typePrivate
- Founded1985
- HeadquartersSouth Jordan, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Accuplan Benefits Services does
Accuplan Benefits Services is a privately held Third Party Administrator (TPA) specializing in self-directed retirement accounts for individual investors and small business owners. Founded in 1985 and headquartered in South Jordan, Utah, the company administers over $1.5 billion in assets across 10,000+ active accounts and 40,000+ unique investments. Its product suite spans Self-Directed IRAs (Traditional, Roth, Checkbook IRA LLC), HSAs, and a full business retirement plan menu including Solo 401(k), SEP IRA, SIMPLE IRA, ESOP, and third-party 401(k) administration. The core differentiator is the ability to hold alternative assets — real estate, cryptocurrency (200+ coins), precious metals, private equity, private lending, trust deeds, and tax liens — within tax-advantaged accounts.
The company operates a cloud-based self-directed platform (app.accuplan.net) that supports 10-minute online onboarding, Direction of Investment workflows, asset valuation tracking, and distributions through an integrated dashboard. Custodial services for plan assets are provided by American Estate & Trust, a Nevada-chartered trust company, under a long-standing operational partnership; Accuplan handles administration and compliance, while AET safeguards assets. Specialized capabilities include a Trust Deed Administration System that automates promissory note management, deed-of-trust tracking, payment collection, and IRS Form 5498 reporting.
Accuplan generates revenue primarily through a flat $349.95 annual administration fee per account regardless of account size (from $50K to $5M+), supplemented by quote-based 401(k) plan administration services for small-to-mid-sized employers and a B2B Partnership Program that pays referral fees to financial advisors and tax professionals. Distribution is a hybrid model combining a self-serve digital onboarding portal, inside-sales phone support (800-454-2649), and partner referrals. The company maintains an educational content marketing footprint (66+ blog articles) targeting self-directed IRA keywords to drive organic top-of-funnel demand.
Accuplan Benefits Services firmographics
Firmographics- Name
- Accuplan Benefits Services
- Legal name
- Accuplan Benefits Services
- Website
- https://accuplan.net
- Company type
- Private
- Founded year
- 1985
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Accuplan Benefits Services is a third-party administrator founded in 1985 that administers self-directed retirement accounts — including IRAs, HSAs, and 401(k) plans — for 10,000+ individual investors and small business owners, enabling investments in alternative assets like real estate, cryptocurrency, and private equity.
- Ownership category
- akta.pro rank
Accuplan Benefits Services industry classification
Industry- Product category
- Self-Directed Retirement Account Administration
- NAICS
- Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)
- akta.pro secondary industries
- Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE), Benefits Administration & Enrollment Support (BPAAAIAB), Flexible Benefits Administration (FSA/HSA/HRA) (HLAEALAK)
Keywords
Where Accuplan Benefits Services is headquartered
LocationHeadquarters
- HQ city
- South Jordan
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Accuplan Benefits Services business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Annual Administration Fee: Flat annual fee of $349.95 per account, not a percentage of assets under administration. Same fee regardless of account size ($50K to $5M). All fees published transparently on the fees page.
- Third Party Administration (TPA) Services: Plan administration services for 401(k) plans including plan design, document updates, contribution monitoring, transaction authorizations, and annual Form 5500 filings. Pricing depends on plan design and headcount.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Self-Directed IRA Annual Administration |
| Other | Annual | 401(k) Plan Administration |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels5 records
Accuplan Benefits Services product offering
Product offeringCore offering
Accuplan Benefits Services is a Third Party Administrator that administers self-directed retirement accounts (Traditional IRA, Roth IRA, Checkbook IRA, HSA, Solo 401(k), SEP IRA, SIMPLE IRA, ESOP, and employer 401(k) plans) so account holders can invest in alternative assets such as real estate, cryptocurrency, precious metals, private equity, private lending, trust deeds, and tax liens. Plan assets are custodied by partner American Estate & Trust while Accuplan handles plan administration, IRS compliance, contribution monitoring, Direction of Investment processing, and access to an online account dashboard.
Product overview
Accuplan Benefits Services is a Third Party Administrator (TPA) specializing in self-directed retirement accounts. The core offering is the Self-Directed IRA platform, which encompasses Traditional IRA, Roth IRA, and Checkbook IRA (IRA LLC) account types, allowing investments in alternative assets including real estate, precious metals, cryptocurrency, private equity, private lending, trust deeds, and tax liens. For business owners, the portfolio includes Self-Directed 401(k)/Solo 401(k), SEP IRA, SIMPLE IRA, 401(k) Administration, and ESOP retirement plans. The company also offers Health Savings Accounts (HSAs) and a B2B Partnership Program. All plan assets are custodied by American Estate & Trust, while Accuplan administers the accounts and provides the online dashboard platform. Pricing is a flat $349.95 annual fee per the fee schedule.
Differentiator
Problem solved
Functional benefit
Products and services
- Self-Directed IRA Tax-advantaged retirement account that allows individual account holders to invest in alternative assets beyond traditional stocks and bonds, including real estate, precious metals, cryptocurrency, private equity, private loans, tax liens, and trust deeds, administered by Accuplan with custody by American Estate & Trust.
- Traditional IRA Tax-deferred retirement account where contributions may be tax-deductible and growth is tax-deferred until withdrawal in retirement, administered by Accuplan as a self-directed account.
- Roth IRA Retirement account funded with after-tax dollars where qualified withdrawals in retirement are tax-free, administered by Accuplan as a self-directed account.
- Checkbook IRA (IRA LLC) Self-directed IRA LLC structure giving the account holder direct investment control with an attached checking account for simplified transactions in alternative assets such as real estate.
- Health Savings Account (HSA) Tax-advantaged account for medical expenses offering a triple tax advantage (tax-deductible contributions, tax-free growth, tax-free qualified withdrawals), administered by Accuplan.
- Self-Directed 401(k) / Solo 401(k) Retirement plan for self-employed individuals and owner-only businesses enabling contributions as both employee and employer, with higher contribution limits and self-directed alternative-asset investment options.
- 401(k) Plan Administration (TPA Services) Third-party administration services for employer-sponsored 401(k) plans, covering plan design (Safe Harbor, traditional, profit-sharing), plan document updates, contribution monitoring, transaction authorizations, and annual Form 5500 filings; pricing is quote-based on plan design and employee headcount.
- SEP IRA Simplified Employee Pension IRA for self-employed workers and small business owners, offering higher contribution limits, employer-funded contributions, and no annual IRS filing requirements.
- SIMPLE IRA Savings Incentive Match Plan for Employees IRA for small businesses with up to 100 employees, offering employer matching contributions and lower administrative requirements.
- Employee Stock Ownership Plan (ESOP) Business retirement plan that allows workers to own shares in a business and benefit from company profits, offering tax advantages for business transitions.
- B2B Partnership Program Referral program that lets financial advisors, brokers, tax professionals, and other partners refer clients to Accuplan for self-directed retirement account administration in exchange for compensation on successful account openings.
Quantifiable outcome
- $1.5B+ in assets under administration
- +2 more outcomes
Companies that use Accuplan Benefits Services
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles4 records
Accuplan Benefits Services technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Accuplan Benefits Services partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- American Estate & TrustcoreAmerican Estate & Trust serves as the custodian for self-directed retirement accounts administered by Accuplan. Accuplan operates as a Third Party Administrator (TPA) while American Estate & Trust, a Nevada-chartered trust company, holds and safeguards plan assets. This partnership is fundamental to Accuplan's service model, enabling division of administrative responsibilities from custodial functions.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Accuplan Benefits Services competitors and assessment
Company assessmentEmerging players
- Alto: Alto is a digital self-directed IRA platform focused on alternative investments (private equity, venture capital, real estate, crypto) with a modern web/mobile experience. Represents the modern PLG-style entrant chasing Accuplan's customer base.
- iCapital Network: iCapital is a fintech platform enabling high-net-worth investors and advisors to access alternative investments inside retirement and managed accounts. Adjacent to Accuplan in enabling alternative-asset retirement access, more focused on advisors.
Direct peers
- Pensco Trust Company: Pensco is a custodian specializing in self-directed IRAs, Solo 401(k)s, and other alternative-asset retirement accounts. Closely comparable in product breadth and alternative-asset focus.
- Millennium Trust Company: Millennium Trust provides custody and administration for self-directed IRAs and alternative-asset retirement accounts. Competes with Accuplan in IRA custody plus administration for real estate, private equity, and tax lien investments.
- IRA Financial Group: IRA Financial Group specializes in self-directed IRA LLC (Checkbook IRA) and Solo 401(k) structures enabling clients to invest in real estate and alternative assets. Mirrors Accuplan's Checkbook IRA and self-directed Solo 401(k) product lines.
- Directed IRA: Directed IRA provides self-directed IRA administration for real estate, precious metals, private lending, and other alternative investments. Operates a similar checkbook-control model and acts as a TPA in the same niche.
- Rocket Dollar: Rocket Dollar is a fintech platform offering self-directed IRA and Solo 401(k) accounts with a digital onboarding experience for alternative-asset investing. Competes head-on with Accuplan's online dashboard and IRA onboarding flow.
- New Direction IRA: New Direction IRA is a self-directed IRA administrator holding $2B+ in alternative-asset retirement assets. Direct competitor with comparable menu (real estate, private lending, crypto, precious metals) and asset-based pricing.
- Equity Trust: Equity Trust is a leading self-directed IRA custodian/administrator offering IRA and 401(k) accounts holding alternative assets including real estate, precious metals, crypto, and private equity. Direct competitor to Accuplan in the self-directed retirement administration space.
Broad incumbents
- Fidelity Investments: Fidelity offers self-directed brokerage IRAs plus workplace 401(k) recordkeeping. Not a specialist in alternative-asset IRAs, but a broad incumbent whose expanded product set and brand pose a competitive threat to specialty TPAs like Accuplan.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Accuplan Benefits Services social profiles
Digital presenceAccuplan Benefits Services financial estimates
Financial estimateRevenue estimate
Valuation estimate
Accuplan Benefits Services leadership team
Management profileNumber of profiles
Profiles1 record
Accuplan Benefits Services funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Accuplan Benefits Services M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Accuplan Benefits Services
What does Accuplan Benefits Services do?
Accuplan Benefits Services is a Third Party Administrator that administers self-directed retirement accounts (Traditional IRA, Roth IRA, Checkbook IRA, HSA, Solo 401(k), SEP IRA, SIMPLE IRA, ESOP, and employer 401(k) plans) so account holders can invest in alternative assets such as real estate, cryptocurrency, precious metals, private equity, private lending, trust deeds, and tax liens. Plan assets are custodied by partner American Estate & Trust while Accuplan handles plan administration, IRS compliance, contribution monitoring, Direction of Investment processing, and access to an online account dashboard.
Is Accuplan Benefits Services a public or private company?
Accuplan Benefits Services is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Accuplan Benefits Services founded?
Accuplan Benefits Services was founded in 1985. It employs 1 to 10 people.
Where is Accuplan Benefits Services based?
Accuplan Benefits Services is headquartered in South Jordan, United States, in the North America region.
How does Accuplan Benefits Services make money?
Two revenue lines are on record. Annual Administration Fee is the primary driver. The others are third Party Administration (TPA) Services.
Who are Accuplan Benefits Services's main competitors?
Emerging players on record are Alto and iCapital Network. Direct peers are Pensco Trust Company, Millennium Trust Company, IRA Financial Group, Directed IRA, Rocket Dollar, New Direction IRA and Equity Trust. Fidelity Investments is listed as a broad incumbent.
Does Accuplan Benefits Services have an API?
No public API is recorded for Accuplan Benefits Services.
What industry is Accuplan Benefits Services in?
Accuplan Benefits Services's product category is Self-Directed Retirement Account Administration. Its primary akta.pro industry code is FSAEABAF, Retirement Plan Participant Advice & Managed Accounts, with a secondary code of FSAEABAE, Employer Retirement Plan Advisory (401(k)/Pension). Its NAICS code is 524292 and its SIC code is 6199.