THE BENEFITS
How can a retirement plan help your small business?
Watch this one-minute video to learn more about the benefits of offering a retirement plan.
- Recruit and retain top talent
- Put away more for their own financial goals
- Save on taxes through deductions and credits
Find out more about how small businesses like yours are approaching retirement plans in our 2025 survey report.
COMPARE PLANS
What retirement plan is best for your small business?
Compare small business retirement plan types to find options that fit your needs.
ANY SIZE EMPLOYER
Payroll deduction IRA
A low cost IRA plan with easy set up and employee-only contributions.
FEW OR NO EMPLOYEES
SEP IRA
An IRA plan for any business, including sole proprietorships and partnerships, where only the employer can make optional contributions.
100 EMPLOYEES OR FEWER
SIMPLE IRA
An IRA plan for small businesses, with optional employee and mandatory employer contributions.
ANY SIZE EMPLOYER
401(k)
A more robust retirement plan type with features not available in IRA plans, that allows for optional contributions from both employer and employee.
VARIES BY STATE
State-run auto-IRA
An IRA plan run by a state with a retirement plan mandate, typically with employee-only contributions.
Want to learn more?
Check our our in-depth guide for more information on small business retirement plans. You can also find a plan that could fit your business with just three easy questions.
FAQ
Think offering a plan is too hard? Think again.
Running a business is a challenge — offering a retirement plan doesn’t need to be. Get quick answers to all your retirement plan questions here.
PRO
How much does it cost to start a retirement plan?
PRO
What does a retirement plan financial professional do?
PRO
What are the SECURE 2.0 tax credits for small business plans?
GET HELP
You don’t have to go it alone
A financial professional can guide you through your retirement plan options.
Make the most out of a meeting
Our helpful guide outlines questions you can ask a prospective financial professional to find the right partner, and the right retirement plan, for your business.
Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.
Investors should carefully consider investment objectives, risks, charges and expenses.
This and other important information is contained in the prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing.
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