{"id":989194,"date":"2024-08-01T20:28:00","date_gmt":"2024-08-01T20:28:00","guid":{"rendered":"https:\/\/explorecem.com\/?p=989194"},"modified":"2026-06-11T17:58:33","modified_gmt":"2026-06-11T17:58:33","slug":"an-empirical-analysis-of-the-drivers-of-record-keeping-cost-in-u-s-defined-contribution-plans","status":"publish","type":"post","link":"https:\/\/explorecem.com\/an-empirical-analysis-of-the-drivers-of-record-keeping-cost-in-u-s-defined-contribution-plans\/","title":{"rendered":"An empirical analysis of the drivers of record keeping cost in U.S. Defined contribution plans"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"989194\" class=\"elementor elementor-989194\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b16f6b6 e-flex e-con-boxed e-con e-parent\" data-id=\"7b16f6b6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"vamtam-has-theme-widget-styles elementor-element elementor-element-42afd074 elementor-widget elementor-widget-text-editor\" data-id=\"42afd074\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_team_member et_pb_team_member_0_tb_body clearfix  et_pb_bg_layout_light et_pb_team_member_no_image\">\n<div class=\"et_pb_team_member_description\">\n<div>\n<p style=\"text-align: center;\"><strong>Janjaap Weeda, Product Manager, Defined Contribution,<\/strong><br \/><strong>Jim Stamper, Head of Business Development, U.S. West,<\/strong><br \/><strong>Kevin Vandolder, Director of Client Coverage, U.S. East,<\/strong><br \/><strong>Pouya Behmaram, Assistant Professor of Finance at Universit\u00e9 du Qu\u00e9bec \u00e0 Montr\u00e9al<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n<p>Recordkeeping cost in our $1.3 trillion DC database vary widely, from $20 to $80 per participant annually. This analysis explains this variance from a line-up and plan characteristics perspective: Key cost drivers include economies of scale, managed accounts, and proprietary investment options. These factors together explain about 25% of the variance in cost, indicating that recordkeeping is not a commoditized service. Moreover, higher participant account balances do not reduce costs.<\/p>\n<p>For plan sponsors looking to optimize their recordkeeping costs, understanding these factors is crucial. Download the whitepaper by filling out the form below and see how you can make more informed decisions about your plan\u2019s fees.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-22dff34 e-flex e-con-boxed e-con e-parent\" data-id=\"22dff34\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-554164e elementor-widget elementor-widget-html\" data-id=\"554164e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script charset=\"utf-8\" type=\"text\/javascript\" src=\"\/\/js.hsforms.net\/forms\/embed\/v2.js\"><\/script>\n<script>\n  hbspt.forms.create({\n    portalId: \"20903941\",\n    formId: \"2360705e-b84c-44de-8e66-b4802729d201\",\n    region: \"na1\"\n  });\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Janjaap Weeda, Product Manager, Defined Contribution,Jim Stamper, Head of Business Development, U.S. West,Kevin Vandolder, Director of Client Coverage, U.S. East,Pouya Behmaram, Assistant Professor of Finance at Universit\u00e9 du Qu\u00e9bec \u00e0 Montr\u00e9al Recordkeeping cost in our $1.3 trillion DC database vary widely, from $20 to $80 per participant annually. This analysis explains this variance from a&#8230;<\/p>\n","protected":false},"author":2,"featured_media":989999,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[49],"tags":[],"class_list":["post-989194","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-research"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>An empirical analysis of the drivers of record keeping cost in U.S. Defined contribution plans - CEM<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/explorecem.com\/an-empirical-analysis-of-the-drivers-of-record-keeping-cost-in-u-s-defined-contribution-plans\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"An empirical analysis of the drivers of record keeping cost in U.S. Defined contribution plans - CEM\" \/>\n<meta property=\"og:description\" content=\"Janjaap Weeda, Product Manager, Defined Contribution,Jim Stamper, Head of Business Development, U.S. West,Kevin Vandolder, Director of Client Coverage, U.S. East,Pouya Behmaram, Assistant Professor of Finance at Universit\u00e9 du Qu\u00e9bec \u00e0 Montr\u00e9al Recordkeeping cost in our $1.3 trillion DC database vary widely, from $20 to $80 per participant annually. This analysis explains this variance from a...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/explorecem.com\/an-empirical-analysis-of-the-drivers-of-record-keeping-cost-in-u-s-defined-contribution-plans\/\" \/>\n<meta property=\"og:site_name\" content=\"CEM\" \/>\n<meta property=\"article:published_time\" content=\"2024-08-01T20:28:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-11T17:58:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/explorecem.com\/wp-content\/uploads\/2026\/03\/martin-martz-rMRT4hF-Fsg-unsplash-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Isha Soni\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Isha Soni\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/explorecem.com\\\/an-empirical-analysis-of-the-drivers-of-record-keeping-cost-in-u-s-defined-contribution-plans\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/explorecem.com\\\/an-empirical-analysis-of-the-drivers-of-record-keeping-cost-in-u-s-defined-contribution-plans\\\/\"},\"author\":{\"name\":\"Isha Soni\",\"@id\":\"https:\\\/\\\/explorecem.com\\\/#\\\/schema\\\/person\\\/d1fd8c73fd58cfe92eaf36868e65268f\"},\"headline\":\"An empirical analysis of the drivers of record keeping cost in U.S. Defined contribution plans\",\"datePublished\":\"2024-08-01T20:28:00+00:00\",\"dateModified\":\"2026-06-11T17:58:33+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/explorecem.com\\\/an-empirical-analysis-of-the-drivers-of-record-keeping-cost-in-u-s-defined-contribution-plans\\\/\"},\"wordCount\":156,\"publisher\":{\"@id\":\"https:\\\/\\\/explorecem.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/explorecem.com\\\/an-empirical-analysis-of-the-drivers-of-record-keeping-cost-in-u-s-defined-contribution-plans\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/explorecem.com\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/martin-martz-rMRT4hF-Fsg-unsplash-scaled.jpg\",\"articleSection\":[\"Research\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/explorecem.com\\\/an-empirical-analysis-of-the-drivers-of-record-keeping-cost-in-u-s-defined-contribution-plans\\\/\",\"url\":\"https:\\\/\\\/explorecem.com\\\/an-empirical-analysis-of-the-drivers-of-record-keeping-cost-in-u-s-defined-contribution-plans\\\/\",\"name\":\"An empirical analysis of the drivers of record keeping cost in U.S. Defined contribution plans - 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