SMALL BUSINESS RETIREMENT PLANS

Scalable solutions for growing businesses

Whether you’re just getting started or looking to expand, Ascensus offers scalable IRA, Individual(k), and CoPilot 401(k) plans built to support small businesses.

Speak with a retirement specialist

Resources to get started

These tools and resources break down the essentials of small business retirement planning to help you move forward with confidence.

Tax credit calculator

Top five reasons small businesses should start a 401(k) plan this year

Year-end small business tax benefits of sponsoring a 401(k) plan

Compare retirement plan options

Retirement plans don’t have to be a one-size-fits-all. Use the chart below to compare key features of each plan.

Key Features	Individual(k)	SIMPLE IRA	SEP IRA	401(k)
Ideal for	Self-employed or owner-only businesses	Businesses with less than 100 employees	Employers with few or no employees	Growing business with multiple employees
Eligible employees	Age 21+ with 1 year of service (2 years if 100% vested)	Earned $5,000+ in 2 of the last 3 years	Age 21+ and earned $600+ in 3 of the last 5 years	Age 21+ with 1 year of service (2 years if 100% vested)
Employee contributions	Up to $23,500	Up to $16,500	No	Up to $23,500
Catch-up contributions (60-63)	$11,250	$5,250	N/A	$11,250
Roth contributions	Yes	No	No	Yes
Employer contributions	Flexible, up to 25% of compensations1	Mandatory contribution: generally, a 100% match on deferrals up to 3% of compensation OR a 2% contribution to all eligible employees2	Flexible, up to 25% of compensation1	Flexible, up to 25% of compensation1 (optional cross-tested profit sharing formula available)
Loans	Yes, if plan allows	No	No	Yes, if plan allows

Stay ahead of state mandate requirements.

View our state-by-state guide

Have questions? We're here to help.

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