Retirement Plans Featuring Vanguard Investments
Ascensus makes it easy for small business owners to save for retirement with plans featuring exclusively Vanguard Investments. With low-cost funds, flexible investment options, and simple plan administration, you can offer a retirement plan that works for your business.
Ascensus small business retirement plans featuring Vanguard investments
SEP IRA
A flexible, easy-to-manage plan with higher savings limits.
SIMPLE IRA
A starter plan for businesses with up to 100 employees that includes employee savings.
Individual(k)
Built for owner‑only businesses with higher savings potential.
401(k)
A streamlined retirement plan that helps businesses offer a competitive benefit while keeping administration simple.
Compare plan features
See how each plan stacks up across contributions, costs, and flexibility.
Plan features | SEP IRA | SIMPLE IRA | Individual(k) |
|---|---|---|---|
Employer size | Any size | Up to 100 employees | Any size |
Who contributes | Employer only | Employer + employee | Employer + employee |
Employee salary deferrals | No | Yes | Yes |
Employer contributions | Required for all eligible employees | Required annually (3% match or 2% nonelective) | Up to 25% of the employee’s compensation, not to exceed annual maximums. |
Contribution limits | Employer-only, up to 25% of compensation* | Lower than 401(k) | Highest limits |
Investment choices | A variety of Vanguard mutual funds | ||
Costs** |
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Ideal for | Businesses wanting employer-only funding | Small businesses wanting employee participation | Businesses wanting higher limits, broad features, and scalability |
*Subject to annual IRS limits.
** Pricing is subject to change. Excludes investment expenses.
Benefits of starting a retirement plan
Tax advantages
Lower your tax bill with tax-deferred contributions.
Investment flexibility
Choose from Vanguard mutual funds that fit your goals and timeline.
Build your own savings
Help jumpstart your savings while growing your business.
Flexible contributions
Choose contributions levels that work for your business year to year.
Explore your options
Get to know the small business retirement plans available with Vanguard investment lineups. Use our interactive tool to compare options and find the right fit for your business.
Find the right small business retirement plan
An Ascensus retirement specialist can answer your questions and walk you through plan features, pricing, and next steps.
Complete the form, and our team will reach out within one business day. Need immediate assistance? Contact us directly.
Call our retirement specialists at 833-893-3233