Joe DownsCEO & Co-Founder, Belrose Storage Group. Founder, Storage Moguls.

Breaking Down ROBS Costs

20 Feb 2026 · 1 min

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0:38

A ROBS setup costs $4,000 to $5,000 upfront for the C corporation and 401(k) plan, then $120 to $150 monthly for administration and IRS filings. You need a professional to handle it, not a DIY approach.

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You got a one-time setup fee and then an ongoing maintenance fee. The one-time setup fee is a flat fee, should be between $4,000 and $5,000. This should cover the C corporation, the 401 plan creation, and the IRS determination letter. Should also include the critical rollover execution to move the funds. Ongoing maintenance is likely between $120 and $150 a month, and that covers plan administration, annual IRS filings like Form 5500, compliance testing, Folks, this is not a DIY strategy.

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