Schwab charges fund companies an annual 0.30% to 0.35% of customer assets held in the program, Mr. Greenwald said. "Scudder recognizes you have to pay up for distribution, and they see what the distribution channel has done for others," said Burton J. Greenwald, a Philadelphia-based mutual fund consulting. Scudder has lost market share in recent years and doesn't have the brand name recognition or marketing firepower of the largest no-load companies such as the Vanguard Group, Mr. Greenwald said. "Scudder needs Schwab more than Schwab needs Scudder," he said. But Scudder may be only the first of the big no-load fund firms to sell without a fee through Schwab. T. Rowe Price is said to be negotiating with Schwab to add its funds to OneSource by yearend, a knowledgeable industry observer said.