Retirement Plans That Help Your Team Thrive

401(k), SIMPLE IRA, and SEP IRA plans designed for businesses of every size. Help your employees build a secure financial future with a retirement plan that fits your budget.

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Build a Retirement Plan That Works for Everyone

Offering a retirement plan is one of the most impactful benefits you can provide your team. It helps attract and retain top talent, reduces turnover, and gives your employees a path to financial security. As an independent broker with access to leading retirement plan providers, we help you design, implement, and manage a plan that fits your company’s goals and budget.

Whether you’re a small business owner looking for a simple solution or a growing company seeking a full-featured 401(k), we’ll walk you through every option and find the right fit.

Retirement Plan Options Comparison

Plan Type	Employee Contribution	Employer Contribution	Best For
401(k)	Up to $23,000 ($30,500 age 50+)	Discretionary up to 25% of compensation	Businesses of all sizes wanting maximum flexibility and contribution limits
SIMPLE IRA	Up to $16,000 ($19,500 age 50+)	Mandatory: 2% nonelective or 3% matching	Small businesses with 100 or fewer employees seeking a lower-cost plan
SEP IRA	None (employer-only contributions)	Up to 25% of compensation (%66,000 max)	Self-employed individuals and small business owners with few or no employees

Plan Design & Customization

Every business has unique goals when it comes to retirement benefits. We work closely with you to design a plan that meets your needs and your employees’ expectations, including:

Vesting schedules — Immediate, graded, or cliff vesting to encourage employee retention
Employer match structures — Dollar-for-dollar, partial match, or profit-sharing contributions
Investment menu selection — Target-date funds, index funds, actively managed options, and self-directed brokerage
Automatic enrollment & escalation — Proven features that boost participation and savings rates
Roth vs. pre-tax contributions — Offer both to give employees tax flexibility
Safe harbor provisions — Simplified nondiscrimination testing for small businesses

Fiduciary Support & Compliance

As a plan sponsor, your business bears fiduciary responsibility under ERISA. We help you manage that responsibility with confidence through:

ERISA 3(21) co-fiduciary services — Shared fiduciary responsibility with professional investment advice
ERISA 3(38) investment management — Full delegation of investment selection and monitoring
Plan document & adoption agreements — Custom plan documents that comply with IRS and DOL requirements
Nondiscrimination testing — Annual ADP/ACP testing, top-heavy testing, and compliance reporting
Form 5500 filing — Annual reporting and audit coordination
Participant disclosures — Fee disclosure notices, quarterly statements, and summary plan descriptions

Employee Education & Engagement

A retirement plan is only effective if your employees use it. We provide ongoing education and communication support to maximize participation and savings, including:

New-hire enrollment meetings — Group sessions and one-on-one guidance to get new employees started
Annual check-in campaigns — Personalized reminders to review contribution rates and investment allocations
Financial wellness resources — Webinars, tools, and materials covering budgeting, debt management, and retirement planning
Digital access — Online portals and mobile apps for account management on the go
Quarterly reporting — Easy-to-read plan performance summaries for both sponsors and participants

Frequently Asked Questions

What is the difference between a 401(k) and a SIMPLE IRA?

A 401(k) offers higher contribution limits and more flexibility in plan design, but comes with more administrative requirements and typically higher costs. A SIMPLE IRA is designed for small businesses with fewer than 100 employees, has lower contribution limits, and is simpler and less expensive to administer. We’ll help you determine which option fits your business size, budget, and goals.

How much does it cost to set up and maintain a retirement plan?

Costs vary widely depending on the type of plan, number of participants, and investment options selected. SIMPLE IRAs typically have the lowest costs, while full-featured 401(k) plans include recordkeeping, compliance, and fiduciary fees. We work with providers across the cost spectrum and will present transparent pricing so you know exactly what you’re paying.

Can I offer a retirement plan if I’m self-employed with no employees?

Absolutely. A SEP IRA or Solo 401(k) are excellent options for self-employed individuals and sole proprietors. SEP IRAs allow you to contribute up to 25% of your net earnings, while a Solo 401(k) lets you contribute as both employee and employer. Both are simple to set up and have low administrative costs.

Start Building Your Team’s Future Today

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